Thread: Have a really bad credit rating, but have just got a relatively well paid job (eventually) - can't get a bank account...

Thank you you are all so helpful (sorry have PMT and feeling quite weepy )

oh yea Tesco is the only pita - had no problem with Ocado or Asda online though, (or anywhere else for that matter, bought traintickets and all sorts on-line with my Visa Electron - just Tesco doesn't like it)

ANd well done on job!

You can get a post office account, they are designed for people who cannot get a normal account, you can have wages etc paid into them but cannot arrange DDs on them and have to use cash rather than a card. Using things like that will help you gradually improve your rating.

I use think bank. It is really good, you basically have two bank accounts, one where your wages are paid in and it automatically keeps back what you need for your bills, and then it automatically transfers your "spends" on to an account with a card. You can use the card in shops or cash machines as well as online. It does cost £12.50 a month, but there are no other charges, and as I was spending about £60...

every bank ofers a 'basic' bank account. this is something the govt negotiated as benefits get paid into accounts not giro or books. basic , no overdraft nothing fancy just you put money in - you have a card you can draw it out

Try www.moneysavingexpert.com it's FULL of really good advice - their forums are also really good.

I work for Abbey (don't flame me its by defualt) and we have basic account that you should be able to get (no overdraft) but you do get hol ein wall card and can set up direct debits and standing orders

Post office account?

Surely you can have a very basic account?