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.

Find out more about Basic Bank Accounts here.

For further debt advice, call Payplan on 0800 280 2816 or submit an online enquiry.

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This article was checked and deemed to be correct as at the above publication date, but please be aware that some things may have changed between then and now. So please don't rely on any of this information as a statement of fact, especially if the article was published some time ago.

4 thoughts on “Problems Opening A New Basic Bank Account?”

  • Shalina

    May 19, 2008 at 12:43 pm


    I am having difficulty proving my address as I do not pay taxes on my job (It is minimum wage) and I only hold a private tenancy agreement with all bills inclusive so none in my name.

    Can you please offer me any information?

    Thank you

    Reply Report comment

  • Paul

    May 27, 2008 at 9:38 am

    Hi Shalina

    You could try asking your landlord or letting agency to provide you with a letter confirming your residency at the address. Failing that, do you have any recent Photo ID that would prove this?

    Kind Regards


    Reply Report comment

  • Julie Anne Broadhead

    May 10, 2017 at 7:40 am

    I am going to be starting a new job next week but need to open a bank account and have no photo identification and a dro in place. I have to get this sorted today any ideas?

    Reply Report comment

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