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Proof of address for banks

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  • Proof of address for banks

    Hello again,

    Thank for all ur help in advance.

    I got pre settlement status days ago.

    I am really so frustrated i dont see a way out. Ive been tryin to open a bank account for three weeks now n spent hours n days on the phone with banks.

    My problem is PROVE OF ADDRESS.

    They required bills with my name on them.

    The person i live with pays them.

    Im registered in the council tax but my name dont appear in the bill as im not registered as a partner of the owner.

    I took with me to the bank the

    gp registration letter

    A letter from dwp about a mettin that got cancelled (by them)

    A letter from the home office when they sent back my id card

    I got told its not ENOUGH!

    What do i have to do a part the conversion of my drivin licence to open a bank account?

    (I tried with buildin society n barcleys)

    Please help

  • #2
    Morning,

    I'm afraid this has been an issue ever since "new" money laundering legislation was passed in the early '90s, requiring banks to obtain two proofs of address. I made the mistake of closing an account I had with Barclays and then, when I was living in a shared house with no bills to my name, I found this to be an issue and the way around it back then was to open an account with the Post Office Girobank, which was all done by post, so they verified your address by sending you all the paperwork to your address by post, this was before we had internet.

    These days there are some digital only bank accounts.

    If you look at this page: Can you open an account without brook of address? | moneyfacts.co.uk

    ...they say:

    Although most banks and building societies expect you to have a UK address before you can open a bank account, there are some specialist products that have been designed for foreign nationals, which could be an alternative if you do not meet the standard account criteria.

    For those who have lived in the UK all their lives, having proof of residence can still be a problem if, for example, you’ve been renting a property with a partner and all the bills are in their name, if you've rented a room in a shared house and don't pay any bills, or if you are not on the electoral roll.
    You will find some useful suggestions there.

    I am the Site Manager and Webmaster, please refer to our Admin Team, Roles and Responsibilities. If you think we have helped in any way, please support us so we can keep helping others secure their status, it is now more important than ever now EEA nationals are subject to the same immigration requirements as non EEA nationals and require proof of valid status in the UK.

    Comment


    • #3
      Sorry probably is a stupid question but what if a friend of mine added my name to her bank account? Would i still need to give them proves of my address even if the main owner of the bank account is my friend?

      Comment


      • #4
        Originally posted by Evaibook View Post
        Sorry probably is a stupid question but what if a friend of mine added my name to her bank account? Would i still need to give them proves of my address even if the main owner of the bank account is my friend?
        Hello again,

        It's not quite as stupid as you think, as I did exactly that to be able to cash a bank draft in the US, back in the days of paper documents! Actually, it was just a stranger staying at the same B&B in Vermont rather than a friend, and we went to the bank together and opened a joint account, paid in the draft and he then cashed a cheque and gave me the money. It was a bit of an emergency back in the early '90s before electronic transfers and not something I'd recommend if there's any chance of the other party running away with the money!

        You could alway try that here in the UK, if you trust the person in question, and try different banks, as they all have their own requirements, which may be different.

        I am the Site Manager and Webmaster, please refer to our Admin Team, Roles and Responsibilities. If you think we have helped in any way, please support us so we can keep helping others secure their status, it is now more important than ever now EEA nationals are subject to the same immigration requirements as non EEA nationals and require proof of valid status in the UK.

        Comment


        • #5
          Im really tryin n strugglin for it infact to build up evidence for a future settlement status i neeed bank STATEMENTS n funny enough i cant open a bank account!!!

          Comment


          • #6
            Please if someone can tell me another bank which accepts the gp letter as proof of address, please let me know. Thanx

            Comment


            • #7
              Originally posted by Evaibook View Post
              Please if someone can tell me another bank which accepts the gp letter as proof of address, please let me know. Thanx
              We are unable to provide this info, please do contact different banks to see what requirements they have. Best of luck.

              I am the Group Founder and also an Admin, please refer to our Admin Team, Roles and ResponsibilitiesIf you think we have helped in any way, please support us so we can keep helping others secure their status, it is now more important than ever now EEA nationals are subject to the same immigration requirements as non EEA nationals and require proof of valid status in the UK.

              Comment


              • #8
                Originally posted by Evaibook View Post
                Im really tryin n strugglin for it infact to build up evidence for a future settlement status i neeed bank STATEMENTS n funny enough i cant open a bank account!!!
                Morning,

                You don't need a bank account to get settled status in the future, but you may need it for other practical purposes, such as getting your salary paid in if you work in the UK, as well for direct debits for anything, even a mobile contract.

                For settled status, you can provide a number of documents as evidence of living here, and you will only need to prove 6 months out of every 12 as that's the criteria, you won't need a document for every month, take a look here: Documents

                I'd suggest looking into the digital options, such as Monzo, Revolut and Transferwise.

                I am the Site Manager and Webmaster, please refer to our Admin Team, Roles and Responsibilities. If you think we have helped in any way, please support us so we can keep helping others secure their status, it is now more important than ever now EEA nationals are subject to the same immigration requirements as non EEA nationals and require proof of valid status in the UK.

                Comment


                • #9
                  I know I'm coming too late, and I assume the issue has been resolved, but if there's anyone in the same situation, just open a bank account with Revolut, Monzo or Monese. They fully come with a sort code and an account no.
                  I am not affiliated to any firm and I am doing this independently on my own, no one is paying me for this.
                  I am not one of the forum volunteers.
                  I hope to start working as paralegal soon.
                  If I helped you, a thumbs-up is always appreciated.

                  Comment


                  • #10
                    Hello,

                    yes, my issue has been sorted to do so i had to get a full uk driving license but thank you ever so much for your advice.

                    Comment


                    • #11
                      Glad to see everything went well.
                      This is an issue that affects almost everyone, who is moving to UK. So, I always kindly recommend everybody to proceed that way.
                      I am not affiliated to any firm and I am doing this independently on my own, no one is paying me for this.
                      I am not one of the forum volunteers.
                      I hope to start working as paralegal soon.
                      If I helped you, a thumbs-up is always appreciated.

                      Comment


                      • #12
                        Originally posted by ermejoficoderbigonzo View Post
                        I know I'm coming too late, and I assume the issue has been resolved, but if there's anyone in the same situation, just open a bank account with Revolut, Monzo or Monese. They fully come with a sort code and an account no.
                        Can you use those accounts for direct debits or standing orders, such as to pay your rent and bills?

                        I am the Site Manager and Webmaster, please refer to our Admin Team, Roles and Responsibilities. If you think we have helped in any way, please support us so we can keep helping others secure their status, it is now more important than ever now EEA nationals are subject to the same immigration requirements as non EEA nationals and require proof of valid status in the UK.

                        Comment


                        • #13
                          Originally posted by ermejoficoderbigonzo View Post
                          Glad to see everything went well.
                          This is an issue that affects almost everyone, who is moving to UK. So, I always kindly recommend everybody to proceed that way.
                          It has affected people since the money laundering legislation was introduced in the early '90s, which is when they started asking for proof of address, also affects people living with family or in shared accommodation, who haven't got bills in their name. I had an account with Barclays in the '80s which only required passport as proof of ID but then I fell out with them due to their ob$cene charge$ (£25 for a failed direct debit in the '80s was a lot!) I then had to open another account to get paid via BACS and I was sharing a house so had no bills in my name and this is when they started asking for the proof of address, back then the option was the Girobank account, because it was all run by post, they sent you all the paperwork by post and that's how they verified your address! I see this hasn't changed in nearly 30 years...

                          I am the Site Manager and Webmaster, please refer to our Admin Team, Roles and Responsibilities. If you think we have helped in any way, please support us so we can keep helping others secure their status, it is now more important than ever now EEA nationals are subject to the same immigration requirements as non EEA nationals and require proof of valid status in the UK.

                          Comment


                          • #14
                            Originally posted by Site Admin View Post

                            It has affected people since the money laundering legislation was introduced in the early '90s, which is when they started asking for proof of address, also affects people living with family or in shared accommodation, who haven't got bills in their name. I had an account with Barclays in the '80s which only required passport as proof of ID but then I fell out with them due to their ob$cene charge$ (£25 for a failed direct debit in the '80s was a lot!) I then had to open another account to get paid via BACS and I was sharing a house so had no bills in my name and this is when they started asking for the proof of address, back then the option was the Girobank account, because it was all run by post, they sent you all the paperwork by post and that's how they verified your address! I see this hasn't changed in nearly 30 years...
                            When I moved to UK more than a year ago, I was made aware of this hurdle, particularly affecting newcomers and jobseekers. As also the NIN was something that almost all employers were asking for, I came here psychologically prepared and I opened a bank account with Monzo straight after landing on the British soil. In the case that, if I didn't have the NIN, I still however had an UK bank account ready for my first salary and to pay the bills.
                            Eventually, I went to the nearest Lloyd's branch with that statement and they let me open a bank account with them. I have also used the same statement to apply for the EUSS.

                            Originally posted by Site Admin View Post

                            Can you use those accounts for direct debits or standing orders, such as to pay your rent and bills?
                            As far as I am aware, they allow direct debits. Also, Revolut has specific functions for bills.

                            I am not affiliated to any firm and I am doing this independently on my own, no one is paying me for this.
                            I am not one of the forum volunteers.
                            I hope to start working as paralegal soon.
                            If I helped you, a thumbs-up is always appreciated.

                            Comment

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