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Info regarding opening a bank account

Travel Forums General Talk Info regarding opening a bank account

1. Posted by koalabear (Full Member 121 posts) 9y

Hi there,
I have moved to scotland and it is proving very difficult to open a bank account. I don't have any bills in my name here they are all in my partners name. So how do i get around opening an account here with out a utility bill.??
I mean you can go to Oz and NZ and open a bank account no problem but when it comes to ireland and uk it's a flipping night mare.
Can anyone help me please

2. Posted by oslaue (Full Member 571 posts) 9y

you need a letter from your employers instructing that you work for them and that you are on x amount of money, they also need to confirm the address were you live and work.

you may also need a letter from your land lord too.

i had the same problems when i first moved to the uk..scotland was actually my first stop.

the bank account you will get will be very basic, after 6 months you can then apply for a current account.

3. Posted by koalabear (Full Member 121 posts) 9y

that's the easy option, BUT i haven started work yet and i'm renting from boyfriend family, so i have nothing in my name.. any other suggestions ? ?

4. Posted by Isadora (Travel Guru 13926 posts) 9y

Have you closed your Irish account completely? If not, a statement of funds from the Irish bank (in writing - not just e-mail) and sent directly to the Scotland bank may faciliate opening the account in Scotland. To make sure funds were deposited into the new account, a bank to bank transfer of a specified amount would probably be required and there would be a transaction fee applied.

If the Irish account has been closed recently, and you were a customer in good standing for a period of time (2+ years), a letter of reference from the Ireland bank directly to the Scotland bank may help show you were a responsible customer. That may also help, though it's a long shot.

Both options mean leg work on your behalf, but the "easy option" is not open to you at the moment.

Also, is using your boyfriend's account an option until you have found employment and can show income received? It could be a bit messy sharing the account, but it's just another thought.

Best of luck! ;)

5. Posted by oslaue (Full Member 571 posts) 9y

isadora, i wish what you said was true! other wise i would have opened a bank account in every offshore island that i could think of, switzerland etc.

banks do not accept emails or use emails for any kind of communication, the closest thing you can get is via phone call! emails are not secure!
banks only use email to let you know to call them or for them to notify you of services / products.

THE REAL POINT here is that its a requirement from all banks to have proof of address in were you live! THIS IS THE BANK, FINANCIAL REGULATION AUTHORITY AND UK GOVERNMENT LAW.
though you are renting from your boyfriends parents etc...mr bank manager does not need know that! does is he? so you can do the letter! his mum might also have to show a bank statement preference would be with the bank too that you are applying to! to prove that she is who she says.

you havent started work yet? surely you signed a contract? ...if i was you i would phone your manager up and have this done.
but whats the rush? if you even have not started work?

banks do not give what they call 'references' they do not discuss with any other financial institutions of a customer or a former customer accounts. what they can only do is confirm that you banked with them! they are not allowed to even say if you were in debt or not. this is why we have agencys that work on behalf of the banks...credit agencys were they store all kinds of info on naughty people who owe money / miss out on payments.

also bare in mind that some banks now do credit checks! so if you owe money, its a no no. halifax does this but they are now known as halifax bank of scotland. royal bank of scotland is meant to be better.

bank accounts can be opened up there and then...you are given your account number and sort code...it takes 5-10 working days to get your bank card.

6. Posted by oslaue (Full Member 571 posts) 9y

but Isadora makes a point...use your boyfriends account for the moment HOWEVER if you work for a big corporate company then this will not be allowed! because the payroll name and bank account name must match! because its all automated systems! payroll systems...

7. Posted by koalabear (Full Member 121 posts) 9y

yeah was heading down the route of using the boyfriends account, well at least until i get working and get some letters with me name and address on it. Good point about the whole payroll thing actually. It's crazy, it's not like i'm asking the banks for a loan, i'll be giving them money in the long run..... Makes you wonder
No i did't close my irish accounts, cause i need to access money from somewhere. Cheers for the good advice

8. Posted by Isadora (Travel Guru 13926 posts) 9y

I'm sorry if I was misunderstood... I meant that all communication between the two banks would have to be in writing on letterhead and mailed directly from institution to institution. I am aware that they do not deal in e-mails. I should have been more clear with my response.

Banks no longer work for the people who use their services and allow them to use their (the customer's) money while deposited in the bank. They bascially protect only themselves. Good luck and I hope you are able to sort it out soon. Personally, I would still try working with the bank in Ireland since your funds are still there. The squeeky wheel gets the grease and sometimes some help just to make them go away. ;)