Problems Opening A New Basic Bank Account?
Written by PayPlan on 1 May 2008
Debt Question Of The Week
I have been trying to open a new cash card account at the bank but they keep telling me I can’t have a basic bank account and that I must apply for a current one. Do I have to ?
- If you are trying to resolve your debt situation and want a neutral account, then a basic, instant access cash card account is the best option.
- Whichever neutral bank you approach, you should remember that you are the customer and the bank should be seeking to open the basic account that you are asking for.
- It isn’t clear whether bank staff have incentives for persuading clients to open current accounts, but you should maintain that it is only a basic cash card that you need, as a current account would involve a credit check.
- You do not need the overdraft facility or cheque book that comes with a current account either.
- Everyone has the right to have a basic card account.
For further debt advice, call Payplan on 0800 280 2816 or submit an online enquiry.
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