uk basic bank accounts

uk basic bank accounts

 

 

 

visa card alternative to prepaid card

 

Worth applying for even if you have bad credit.

You can rebuild your credit history with this card.

 

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UK Bank Accounts For Those with Bad Credit

 

If you try to open a standard UK personal current bank account complete with cheque book, cheque guarantee card, Switch or Visa Delta debit card and overdraft facility then you could be refused for any of the following reasons:

  • poor repayment history
  • poor, adverse or bad credit (County Court Judgments - CCJs, Defaults)
  • bankruptcy or IVAs
  • a low credit score (low earnings, not at current address for long etc)
  • a history of fraud (CIFAS flag)
  • not being on the electoral register

You may not even know why you keep getting refused for a UK bank account and only an examination of your credit file will reveal any bad credit history.

 

Even if your credit file is in good order your financial circumstances may mean that your resulting credit score is so low that you will still be refused a normal current bank account. Banks prefer customers with regular incomes that pay them into their bank accounts directly.

 

For people in this position, some banks are now able to provide more than just a savings bank account. These new type of real bank accounts are called basic bank accounts.

 

As you would expect, most basic bank accounts just provide the most basic of banking facilities.

 

All of these new basic bank accounts provide ATM cash cards and services such as standing orders and direct debits. A few of these bank accounts will even provide debit cards such as the Solo and Visa Electron types. One that we know of will also provide a cheque book.

    "Oh and one more thing I think your site is excellent you have really put my

    mind at rest in a lot of things and I thank you for that. A lot of info is free that

    is usually paid for, I am seriously considering getting a current account through

    you when I next get paid as I only have a savings account." - C.S. UK

The only people they will generally refuse to open these basic UK bank accounts for are undischarged bankrupts (not always the case- see details our bank account information packs listed below ) and

those with any history of fraud.

    A few examples of UK basic current bank accounts available include:

     

    Details of these basic bank accounts and all other information on this

    page correct as of 16th March 2008.

     

    (Press Control-D To Bookmark This Page Now So You Can Easily Check For Regular

     Basic UK Bank Account Updates)

 

Lloyds TSB Basic Cash UK Bank Account

 

This basic UK current bank account only comes with an ATM Cash Card. No debit card. Standing orders and direct debits. No undischarged bankrupts. No minimum opening balance.

 

 

Clydesdale Bank Readycash Basic UK Bank Account

 

This Scottish basic bank account provides a LINK ATM card. No Solo debit card. Standing orders and direct debits. Internet/telephone banking. Pay in and withdraw funds from Post Offices. No undischarged bankrupts or history of fraud. Branches in Scotland and around London.

 

 

You won't initially receive a cheque guarantee card or an overdraft facility with this type of basic bank account but with some banks these may be available after a period of responsible operation.

 

However, one bank we know of will even provide a cheque book immediately and another very lenient institution will normally upgrade their basic bank account to full current account status with cheque book, cheque guarantee card plus an overdraft facility after just 6 months of responsible operation.

 

With most banking institutions this is simply out of the question if you have a bad credit history.

 

These basic bank accounts, which are generally not advertised or publicised (because they are not that profitable. They can't lend to those who are a bad credit risk), are available to almost anyone even if there are CCJs, defaults or arrears against your name or even if you are not on the electoral register. Some of these UK bank accounts are even available to those who are undischarged bankrupts.

 

 

 Visa Debit Card

 NEW Visa Debit Card

 

 Cards are available in values of £300.

 NOT guaranteed but adverse credit  considered.

provident visa

 

"Hi there, I recently purchased your uk bank accounts, which I found great.
- P. Ashcroft - UK

 

Poor Credit History Personal UK Bank Accounts with Debit Card and/or Cheque Book

 

If you want a non-status personal basic current bank account with one of the UK high street banks that provide bank accounts with a few more useful facilities than just a cash card or standing orders and direct debits then see the following bank account information.

 

Provided you do not have a history of fraud then you will be accepted for these bank accounts. Both of our premium UK bank account information packs also come with details of all the UK bank accounts available to those who are bankrupt.

    "Just a note to thank you so much for the help you provided in obtaining a
    bank account. Today I have just received my cash/debit card and pin number.

    This is all in spite of me having 3 CCJs and a mortgage repossession against

    me."  - S.R. Cheshire, UK

 

1. Adverse Credit UK Cheque Book Personal Current Bank Account

(Premium Information Pack)

(A genuine UK bank account that offers a Cheque Book immediately

to those with an adverse credit history)

 

 

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       UK Cheque Book Bank Account Features & Benefits:-

 

  • Cheque Book & ATM Card
  • Possible Visa Debit Card.
  • Internet, telephone and branch banking. No requirement to live near branch.
  • Standing orders & direct debits.
  • Normal cheque clearance times.
  • Account is offered by popular UK Building Society. You can apply online, by phone or in person. No need to visit branch.
  • One client had £ 65K in defaults but still managed to get this Cheque Book account. He also deposited £ 2K and received a real Visa Debit Card (rather than just the ATM card) immediately!
  • No refusal even if you have one CCJ or multiple CCJs (County Court Judgments), one default or multiple defaults, a poor payment history or have been discharged from bankruptcy.
  • Not available to undischarged bankrupts or those who have an IVA.
  • If you are an undischarged bankrupt or have an IVA then see our undischarged bankrupt bank accounts. Information about these bank accounts is automatically sent out with every order free of charge.
  • Details of several Visa Electron Debit Card UK bank accounts for those with adverse credit will also be sent out free of charge. One of these Visa Electron Debit Card current accounts offers a Cheque Book to most people. A recent client obtained this high street bank current account with a Cheque Book and Visa Electron Debit Card even though he had a failed IVA and several debts in excess of £70K.
  • Free details of another basic bank account which now offers a Maestro (formerly Switch) debit card to all those with bad credit (except undischarged bankrupts).
  • You will also receive the Solo Debit Card UK bank account information package 2 ( detailed below ) plus all the extras listed free of charge. In effect you will receive all the bad credit bank account information that we have available.

Order This UK Bank Account Information From Us For Only £39.95

 

 See here for the Free Special Bonuses that comes with this UK bank account

 information.

 

Also as an extra bonus, if you order within 7 days then we will send you free of charge our prepaid Mastercard debit card information. This information will enable you to obtain a real Mastercard in addition to your Solo / Visa Electron / Maestro debit card.

 

  Important: To protect ourselves against fraudulent transactions all orders are now

 sent out by post so it is important when ordering to enter a valid postal address so

 that your information pack can be delivered as soon as possible (usually by

 Recorded Delivery).

 

Click on button below to order this bank account premium information pack

online by secure server or by post

 

    "I would just like to say your advice and information I received from your website

    was incredible. It's been six months since I opened an account following your

    instructions, and I have just been asked by the bank to open a Gold account with

    all the usual extras that come with it. Thanks a lot." - Cecil ****huku. UK

 

Vanquis Bank

Visa Credit Card

 

If you have a bad credit history this is one of the best Visa cards to apply for. Credit limits start at £250. Not guaranteed but the best unsecured alternative to a prepaid Mastercard or Visa.

 

 

vanquis visa credit card

 

 

 

2. Adverse Credit UK Solo Debit Card Personal Current Bank Account

(Premium Information Pack)

(The ONLY UK bank account that offers a Solo debit card to those with an adverse credit history)

 

 

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       UK Solo Debit Card Bank Account Features & Benefits:-

 

  • Solo Debit & Maestro / ATM Card
  • Cheque Book, Cheque Guarantee Card plus Overdraft facility possible after trial period irrespective of previous bad credit history (usually 6 months provided basic account has been operated in a satisfactory manner for this period).
  • No minimum balance required.
  • Internet & telephone banking.
  • Standing orders & direct debits.
  • Normal cheque clearance times.
  • Available to non-UK residents residing in the UK.
  • No refusal even if you have one CCJ or multiple CCJs (County Court Judgments), one default or multiple defaults, a poor payment history or have been discharged from bankruptcy.
  • Not available to undischarged bankrupts or those who have an IVA.
  • If you are an undischarged bankrupt or have an IVA then see our undischarged bankrupt bank accounts. Information about these bank accounts is automatically sent out with every order free of charge.
  • Details of several Visa Electron Debit Card UK bank accounts for those with adverse credit will also be sent out free of charge. One of these Visa Electron Debit Card current accounts offers a Cheque Book to most people. A recent client obtained this high street bank current account with a Cheque Book and Visa Electron Debit Card even though he had a failed IVA and several debts in excess of £70K.
  • Free details of another basic bank account which now offers a Maestro (formerly Switch) debit card to all those with bad credit (except undischarged bankrupts).
  • You will also receive the Cheque Book UK bank account information package 1 ( detailed above ) plus all the extras listed free of charge. In effect you will receive all the bad credit bank account information that we have available.

Order This UK Bank Account Information From Us For Only £39.95

 

 See here for the Free Special Bonuses that comes with this UK bank account

 information.

 

Also as an extra bonus, if you order within 7 days then we will send you free of charge the prepaid Mastercard debit card information. This information will enable you to obtain a real Mastercard in addition to your Solo / Visa Electron / Maestro debit card.

 

 Important: To protect ourselves against fraudulent transactions all orders are now

 sent out by post so it is important when ordering to enter a valid postal address so

 that your information pack can be delivered as soon as possible (usually by

 Recorded Delivery).

 

Click on button below to order this bank account premium information pack

online by secure server or by post

 

      "I am just writing to thank you for the information you sent me on non-status

    bank accounts. This morning I received my cash and solo card from ******,

    this is going to make my life so much easier because as you must know we don't

    seem to be able to buy anything anymore without some kind of card. Once again

    thank you very much." - L.J. Oxon

bank account information money back guarantee

We offer a full money back guarantee on all our UK personal / business bank account & prepaid debit card information services should you be unable to obtain the facilities you require from the information that we provide after following our instructions.

 

"Thanks for your help. The information was spot on." - G.H. UK

 

   If you order our UK current bank account information then we shall ask you if there are any banking

  or financial institutions that you don't wish to have a bank account with. In the event of the bank (s)

  that we know will offer the facilities you require being one of those that you don't want to bank with

  then we shall attempt to find an alternative bank account or your payment will be refunded.

    "Firstly thanks for your fast service, I opened two ****** accounts, (one for my

    permanent employment and one for my self employment), without problem this
    afternoon as advised." - D.T. Cardiff, Wales

     

    Free Special Bonus 1

     

    Order by the date on the order form and we will include a free copy of our Special Report:

'How To Create A Brand New UK Credit File' (Worth £49)

 

uk credit file

Details of the report can be found on the UK credit file page.

    Free Special Bonus 2

     

    Order any of our UK bank account premium information services and we will tell you

    about a free up to date resource that provides details of all the bank accounts in

    the UK available to those people with adverse credit.

 

*   UK bank account number 1 is only available to UK residents. (Residence in the UK is normally

     established by someone who visits the UK for at least six months in any one tax year, or three

     months a year over four consecutive years).

 

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