looking for advice re opening bank accounts

iamthenugget · 23 Jun 2017 at 15:28

hello

looking for some advice about opening my son a bank account. hes 15 and apparently it will be a lot easier to open one just now as opposed to when he turns 16??

question is can one be opened online or do i need to visit a branch with him in person??

pepp77 · 23 Jun 2017 at 15:44

It varies, Santander looks to be doable online whereas Barclays seems to be in branch only.

Diddums · 23 Jun 2017 at 15:51

Whatever you do, don't open Halifax. Open something else and then in a year's time, transfer him to Halifax and get their £75 switching bonus for nada

As for opening online, I've opened accounts with Tesco, Barclays, Santander, Halifax and Lloyds all online with no need to go in branch. I have no idea how this works with a minor however.

Syla5 · 23 Jun 2017 at 16:01

iamthenugget said:
hello

looking for some advice about opening my son a bank account. hes 15 and apparently it will be a lot easier to open one just now as opposed to when he turns 16??

question is can one be opened online or do i need to visit a branch with him in person??

What makes you say this?

With regards to his age, you will probably need to take him in to a branch to open an account due to having no digital footprint to verify him at all.

iamthenugget · 23 Jun 2017 at 16:03

Syla5 said:
What makes you say this?

With regards to his age, you will probably need to take him in to a branch to open an account due to having no digital footprint to verify him at all.

well im assumin that once he turns 16 i wont have the parental righs and he will be classed, legally, as old enough to do it on his own??

Syla5 · 23 Jun 2017 at 16:06

Are you opening an account for your son in your sons sole name?

Burnsy2023 · 23 Jun 2017 at 17:45

iamthenugget said:
well im assumin that once he turns 16 i wont have the parental righs and he will be classed, legally, as old enough to do it on his own??

Looking at various bank's websites, they must be there regardless, but don't need a parent if they're 16.

https://www.lloydsbank.com/current-accounts/all-accounts/under-19s-account.asp

iamthenugget · 23 Jun 2017 at 18:50

Syla5 said:
Are you opening an account for your son in your sons sole name?

Yeah it would be an account for my son in his own name to be used solely by himself

iamthenugget · 23 Jun 2017 at 18:51

Burnsy2023 said:
Looking at various bank's websites, they must be there regardless, but don't need a parent if they're 16.

https://www.lloydsbank.com/current-accounts/all-accounts/under-19s-account.asp

Thnx for the link, I kinda thought as much just need to work out Id etc that may or will be needed. Didn't realise these things could be so stressful

The_Abyss · 23 Jun 2017 at 19:17

How on earth is this simple process stressful?!

iamthenugget · 23 Jun 2017 at 19:37

The_Abyss said:
How on earth is this simple process stressful?!

i will need to do it with him before he starts work/apprenticeship etc and he turns 16 in about 8 weeks time which means i will need to take him during the school summer holidays, now you try sitting in a bank with a 15 year old with autism and your 5 other children all running about daft and basically creating havoc and then come back and tell me its not stressful

The_Abyss · 23 Jun 2017 at 20:01

Then you just phone the relevant branch, explain the situation and ask for an appointment in a private room to go through the account opening process.

iamthenugget · 23 Jun 2017 at 20:10

The_Abyss said:
Then you just phone the relevant branch, explain the situation and ask for an appointment in a private room to go through the account opening process.

thats exactly what i plan on doing. i was kinda hoping that it could/would have all been done online and then a case of taking him down and a 10 min job to check his paperwork but i dont think that will be th case.

shall contact the bank over the weekend and see what i can do

dowie · 23 Jun 2017 at 20:24

iamthenugget said:
i will need to do it with him before he starts work/apprenticeship etc and he turns 16 in about 8 weeks time which means i will need to take him during the school summer holidays, now you try sitting in a bank with a 15 year old with autism and your 5 other children all running about daft and basically creating havoc and then come back and tell me its not stressful

Why do you need to take 5 other kids with you?

iamthenugget · 23 Jun 2017 at 20:28

dowie said:
Why do you need to take 5 other kids with you?

they are not old enough to be left at home on there own. aged between 4 - 12

dowie · 23 Jun 2017 at 20:32

iamthenugget said:
they are not old enough to be left at home on there own. aged between 4 - 12

ah, single parent... fair enough

iamthenugget · 23 Jun 2017 at 20:33

dowie said:
ah, single parent... fair enough

yeah hence the stress that most others wont face

Syla5 · 23 Jun 2017 at 22:39

Take your son while the others are at school, it will be quieter in a branch and easier for him. Phone or pop in to the branch alone first to make an appointment and you can plan ahead from there.

iamthenugget · 24 Jun 2017 at 06:07

Syla5 said:
Take your son while the others are at school, it will be quieter in a branch and easier for him. Phone or pop in to the branch alone first to make an appointment and you can plan ahead from there.

the schools finish for summer this tuesday and all appointments are 2 weeks down the line with the RBS or bank of scotland