How to hit ID issues when opening a handelsbank account
For many, a handelsbank account is essential. Yet 4% of UK households – harshly 1.Five million adults &ndash, are what&rsquo,s called &ldquo,unbanked&rdquo,, meaning they don&rsquo,t have a bankgebouw account. And part of the problem for those without an account is being incapable to open one.
Of course, not all of those people want an account, but today&rsquo,s &ldquo,Access to Financial Services ter the UK&rdquo, report by the Financial Conduct Authority (FCA) shows three-quarters of a million people do want one, but can&rsquo,t get one. But why is this?
Identifying the problem
Anti-fraud and anti-money laundering procedures mean you need to prove your identity when you apply for a bankgebouw account &ndash, and since some just don&rsquo,t have the right documents, it&rsquo,s thought ID issues account for a large number of times people&rsquo,s applications are rejected.
Most people will be able to apply using their passport, bills or credit checks acting spil ID. But those who don&rsquo,t have thesis can sometimes be waterput off from applying, or even turned away.
Benefits of having a handelsbank account
You might need a canap account to:
- receive your wages or Universal Credit
- manage and save money on bills through Onmiddellijk Debits
- use it to rent a plane or get a mobile phone contract
- get a debit card to withdraw specie or pay for items
- have somewhere to securely waterput your metselspecie
Evidence you need to open a bankgebouw account
For those without a passport or driving licence, there are other forms of identification that should be accepted.
The banks are permitted to interpret the rules for ID spil they wish, which means each will have different criteria, so it&rsquo,s best to check their websites for a total list. However, they should all accept the following, or a mix of the following:
Option 1 -Government issued photo ID with name and either address or date of birth (eg passport or driving licence)
A passport costs £,72.50, while a driving license costs £,43 by postbode &ndash, large amounts for anyone fighting financially. The PASS photo IDs cost around £,15, but the FCA found not all banks accept them.
Option Two – Government issued document with total name but no photo (eg old driving licence) AND an official document, statement or bill with name and either address or date of birth (eg Council Tax bill, credit card statement, utility bill)
The easiest option if you don&rsquo,t have photo ID. But getting hold of thesis can be a problem for people who aren&rsquo,t named on tenancy agreements or bills, or don&rsquo,t have a voortdurend address.
Option Trio – Electronic checks via a credit reference agency
This kleintje of check is regularly used if the account has any kleintje of credit affixed, such spil an overdraft. If a credit score isn&rsquo,t good enough, it can mean the application will be rejected &ndash, however, basic handelsbank accounts don&rsquo,t require thesis checks.
Option Four &ndash, Alternatives depending on circumstances
If you don&rsquo,t have any of the official documents, banks should accept alternatives such spil a benefits letterteken, immigration status document, or a letterteken from a prison governor, care-home manager, homeless shelter or place of explore.
Unluckily, FCA evidence seems to suggest some canap staff and customers aren&rsquo,t aware of thesis options. If you face problems, ask them to check their web pages which should detail what is and what isn&rsquo,t accepted.
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I am typing this on behalf of my bf Paul. Since his Mum died last year, losing his job and being ter debt, he had to use his Mums inheritance money to pay off his debt and he has had problems attempting to open another handelsbank account everzwijn since his debt wasgoed paid and his handelsbank account he had ter Santander wasgoed closed. He is incapable to open another account ter that bankgebouw He has attempted to open a bankgebouw account with another canap with no success spil they won’t except his proof of address letters spil he has no photo id yet. He doesn’t know what to do? Susie.
Big brother or what ??
Wij attempted to open a snaak account BUT spil I have always paid the utilities and tax’s my Wifey doesn’t have any bills te hier name.. Loterijlot’s of old bankgebouw account statements BUT they are overheen 6 months out of date. I have three accounts with this bankgebouw and so do both our kids .. But passport ect is not enough ? Freedom !
Please can a person be able to register a canap account by switching the name on the ID card?
I dont have any id only picture bus pass and letters about pension credit
I am fighting to identify myself to make a withdrawal from an online account with Sainsburys bankgebouw. I am epileptic so do not hold a valid driving licence, it is risk to travel out of the country when epileptic so do not hold a valid passport. I work utter time so do not receive benefits. The only think they say they will accept te an introductory letterteken signed by a Doctor. They would not accept a copy of a national entitlement card issued by Edinburgh Council with my picture. How close is this to discrimination against epilepsy and how can i complain?
I dnt have an ID but I have a utility bill and the two passport
Elissa. that does verrassing mij! i had read they force you to open bankgebouw accounts te there. and i’ve bot programma on GETTING INTO ONE just so i can get canap account 🙁
doesn’t help censoring people either 🙁
Frankly I think thesis identity checks are a waste of time and money. I have twice ter the last month bot asked for identity documents and struggled to provide them. Passports and driving licences cannot be sent by postbode securely and require certification, which te my case requires a 20 mile round journey every time. Utility bills, canap statements and government correspondence are all sent electronically ter the 21st century and therefore are (paradoxically) unacceptable to the banks.
Why is 100% of the population being waterput through this mill when the problem only occurs ter 1%?
I got out of prison after doing 21 years, to come out with only ?47.00.I am a British citizen of the message United Kingdom and I cannot build up an I.D. Strafgevangenis can I open a canap account. Further to this, I came out of a d-catagory prison which is there to help prisoners resettle back into the community, is it not surprising why so many prisoners Reiff end, spil their better off ter prison.
An effortless way to get id if you have nothing is to get your birth certificate and your national insurance card, use both of thesis to apply for a Provisional Driving Licence -even if you don’t project on driving). You can use this photo id to apply for anything.
I have no passport not do I have a driving license the only i do have is from the council and the benefits letters and a old student card. Can I open a canap account with the id I do have
I have no ID/photo ID at all, I am snaak tenancy with my father and could get verification via letterteken and I have my national insurance number, but that is all, I wasgoed getting my benefits through a elementary payment card but I got a letterteken recently telling I need to make a canap because they aren’t paying people through elementary payment ter future, and it is close to Christmas and I promised I would buy the food, but my money is due Friday the 22nd and I know it won’t be te the plain payment card
So could you please give mij advise of the best thing to do so I can get my benefit money before Christmas day,
i want to either open a handelsbank account or contant a check but don’t have a state ID. Can i use my job corp government ID if i bring my social security card and my birth certificate to do either of those deeds?
I am having trouble with getting my money because nationwide keep telling mij i need ID because i wasgoed frauded by someone because of this i have not got enough money to live on and they refused mij to my own money.
My step father is now deceased, but he have left my brother (his birth son) money. But the problem is he cant go into a bankgebouw to open up account due Two health issues (adhd, autisim, learning difficulties, doesnt understand things plus he dont like going out te public) so how do i go about opening him up a bankgebouw account without him being there? I have got identification for him. But he honestly cant go into a bankgebouw so how can he open up a canap account? Spil hes given mij his identification and permission can i do it for him without him being there te person.
My brother has bot ter a Care Huis for many years & he has no photo ID. I attempted to open a Halifax Savings Account for him, provided DLA letterteken which had both our names spil I am his appointee – his benefit goes into a separate a/c ter my name. They refused an account even with just a savings book and told mij to get him a passport. Why should I spend ?92 for a document he will never use spil he is too mentally unwell to travel?
Can I open a canap account with a state prison id ?
This is one good reason for having i.d. cards,shame the government scrapped them,people all overheen Europe have them with no problems why not here.?
am indeed confused and cant open my bankgebouw account infact am living ter uk at asylum seekers status so my passport ter the ukborder agency but thy talent mij one photo id which called arc card can you pls repy mij and guide mij how I open my canap acc thx
hi is it possible to open a bankgebouw account with an endorsed birth certificate and certificate of live birth accompanied by a witnessed solemn declaration and biological markers like arm prints footprints etc also witnessed and which are possessed by someone whop is the only living juut for its security rente by keuze and reservation, with no contractual obligations, and who does not wish to use state issued ID. What would be the best path to go after te such case, thank you gladly, Sirely yours truly, Stella
im 29 all i have is a birth cert and soon to be claiminin jsa how do i go about settinf up a handelsbank account
Hello the only proof i have of mij is my birth certificut and a contract letterteken sent to my adress but i still cant open a bankgebouw account can anyone help mij spil im ter need of a canap account asap.
Tryed every handelsbank possible no I’d need help someppl arnt helpful and I’m embarking to get indeed depressing overheen this matter
need to make a banks account but anit got no id with pic need help with it
Hi I am attempting to request a pension company that pay mij merienda a month now pay mij at a different bankgebouw ter the same name bot opened years, They are requesting I provide 6 month statements or ask the bankgebouw to certify a statement for mij why? All I am doing is switching banks.
paypal and ebay to now? f*** that is beyond repugnant. I’m only surviving on others’ charity now but when that happens to mij I won’t be able to do a single thing. -(
Beware Paypal. They have began to ask for photo ID te addition to address ID, When they ask you to renew your details,(spil happens at least every year or so). even however havin the same address for 30 years and banked with the same bankgebouw for almost 50 years! even the same account number!, and also being using ebay since it commenced te the U.K.! NEVER HAD ANY PROBLEMS, BUT Abruptly FOUND I COULD NOT PAY FOR ANYTHING! OR GET MY!! MONEY OUT OF MY PAYPAL ACCOUNT. bot Two days so far and i still cant get at MY money!!
I wished to open a Santander savings account and had all the documents and they wouldn’t let mij and the same with Lloyd’s and I have never had debt problems everzwijn I have carers allowance and am being treated arfull because I am on benifits all I wished wasgoed to save some money for a emergency even Halifax a duo of years ago would not do it either and I had all the documents there spil well all I keep getting from the staff te the banks or phone is a list of excuses every time and I have never had a bad credit ratings it’s ridiculous this country has gone terrible since the conservatives have got and this prime minister is worse than Cameron.
I desired to open a Santander savings account and I had all the documents and they would not let mij and the same with Lloyd’s I have never had any debt problems everzwijn I have carers allowance and am being treated arfull because I am
on benifits that’s what it is.
I work on a government training scheme. the majority of clients being 16 -19. To receive their bursary payments they vereiste have a handelsbank account te their own name.
Some of them do not have required ID to open an account. This means thesis clients often leave us spil they cannot get paid
I see this is spil a gap ter the banking market where thesis potential customers could be with a a canap for life
Help and advice would be appreciated
coming up 12 years for mij now. can anybody help? glad to publish this email address. email@example.com
thank you for your article here
but you’re having a laugh aren’t you? i know you most likely attempting to be helpful, but it’s totally worthless. I’ve bot homeless since 6th January 2006 after very almost getting murdered. loterijlot worse since then, pigyobs won’t help and they’re the worst perps. but regardless, you can’t find employment, get a huis, canap account, employ a solicitor without numerous forms of state sanctioned photo ID and utility bills. just not possible, you can’t get any of them without the other. and i have bot te this situation for overheen a decade now! if state knows where u live not safe to live there anymore. and attempting to trade ter contant just leads to further violence and theft. you end up working for less than 50p an hour and then it gets stolen anyway. and they eis it’s all a delusion. do you know any zindelijk journalists? truly am beyond desperate here.
handelsbank staff deny to confirm or even deny if they know who they are and they dnt have a ‘choice’ spil far spil the law is worried. it’s a criminal offence supposedly for mij to instigate them into committing a criminal offence!
they won’t give mij benefits for overheen a decade now. reason to believe they’re being fraudulently claimed te my name. tied taking the to court and got fined 2K for the privelege! albeit it has bot more than six years now. dunno if still enforceable or not!
I just stir from Ireland to UK.i have my Ireland GniB card but they are not accepted what should I do.
i want to add my son on to my bankgebouw account he has a paper driving licence not a photo one and his passport has run out,he is not working and is on job seekers my bankgebouw Barclays say he has to have photo ID even tho’ he lives with mij and has a birth certificate and a letterteken from the council offices telling he lives at the same address please help getting desperate. thankyou.
My wifey and I do not have photo ID and have just moved to a fresh address Nationwide have refused point wit to accept anything else even however wij have banked with Santander for years
With the exception of my Council Tax bill, all others are on line, e.g. I do have a canap account, and Statements are online spil are Water, Tens unit, Gas, Credit Cards, Monthly dental up-front payments, etc. I am attempting to invest some money te another Bankgebouw and my problem is finding someone: Councillor, GP, etc to sign the forms spil I live te a village. Considering that the cheque I hope to send to the canap I’m attempting to invest te will be a Nationwide cheque made payable to mij, I don’t think they (the fresh bankgebouw solely for investment) know what they are doing.
my brother has bot attempting to reactivate his old Lloyds handelsbank account, they told him what paperwork wasgoed needed to open a fresh one. But when he got it together, they told him to get something else. He then lost rente.
he has no passport or drivers license and still living at huis, he doesn’t pay any bills, but he still gets letters from his bankgebouw, he get letters from the Job Centre and DWP and the postbode office, where he has an account.
any advice would be good.
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