It is unusual to find a basic bank account with a debit card as standard but here in the UK we are fortunate enough to have such a service. Most people think that the High Street banks do not offer a debit card with their basic accounts but this isn’t the case.
There are a couple of High Street banks that DO offer you a debit card as standard with a basic bank account.
Basic Bank Accounts with Debit Card – Find out more
If you walk in to the branch of any High Street bank and ask them for a basic bank account with a debit card they will politely tell you that they do not provide debit cards with those types of accounts. But this isn’t entirely correct because there is a way that you can open a basic bank account with them and get a debit card as standard.
No Credit Checks Required
If you’re worried that you have a bad credit rating or are somehow blacklisted due to CCJ’s, Defaults, Late or missed payments, then there is good news for you. With these basic bank accounts you don’t need to pass a credit check because there isn’t one. That’s right, there are no credit checks involved when it comes to applying for the account.
This means that regardless of how bad your credit rating is you are guaranteed to be accepted for the account. All that is required is for you to be aged 18 years of age or above and be resident in the UK. Even if you are an undischarged bankrupt you can open one of these accounts. And yes, you’ll still get the debit card as standard.
You can use the debit card to pay for goods and items in the shops using the chip and pin machines, pay for goods and items online as well as ordering by phone. And of course you can withdraw money from any ATM as well.
Paying Money In To Your Account
Paying money in to the account is just as easy because you can pay in cash and cheques over the counter at the bank. You can also have your wages or benefits paid in directly to the account as well. To make managing your money easy the account also offers direct debits and standing orders as well as internet banking, phone banking and mobile phone banking.
How many High Street banks do you know of that can provide ALL of the above even if you have the worst credit rating in the world ?
Well, I know of one…..