Guaranteed Personal Accounts FAQs
Guaranteed Personal Accounts
Please find below a selection of Frequently Asked Questions and their respective answers.
It will be very difficult to answer every question you may have, so if you have a specific question that is not answered here, please email us directly and we will answer you as quickly as possible – please email your question to email@example.com or alternatively please call us on 020 3286 3929
Will this account be with a High Street bank?
No we cannot help you open an account with any of the mainstream banks on the high street, as they will almost certainly perform a credit check and should you have any adverse credit they will nearly always decline your application.
However, even though we can only open an online personal current account, all your funds will be safely held with one of the mainstream banks but operated by an officially registered FCA account provider.
I've tried several banks and each one has declined me, so will you still be able to help?
Yes, we will be able to help anyone even if they have been declined already. We have a wide range of available accounts so no matter what your circumstances, we will be able to help.
I have been Bankrupt, can I still get a bank account?
In short yes, we can help anyone who has been bankrupt. It might take a little more work and time to get a regular personal account but we can open an online account for anyone who has (or is) bankrupt as long as you can identify yourself.
I was told that because I have a CCJ I cannot get an account, is that true?
NO! We can help anyone who has or has had a County Court Judgement (CCJ) so whilst it will probably be on your credit file, it NOT will effect your personal account application.
I need an account quickly, so how long does it take?
Opening an online account can be done almost instantly if you have lived in your current address for more than 2/3 years however if you choose the Guaranteed High Street option it may take slightly longer – either way, the sooner you start your application the quicker you can start using your new account.
I need an account to have my salary and benefits paid into, can you help?
Yes, we can help no matter what your circumstances.
You can open an account with your own sort code & account number meaning you can have money paid directly into your own account, so wages, salary, benefits and any other electronic payment can be accepted.
When you say 'Guaranteed' what do you mean?
When we say we offer a Guaranteed Service, we mean GUARANTEED!
So no matter what your circumstances or your situation, we WILL be able to assist you – OK it may take a little more time for exceptional cases and we may be required to do some additional work, but we have no reason to think we will not be able to find a personal account for you.
This selection of questions have come from genuine enquiries and we encourage you to either call or email us with any others you may have regarding the opening of a personal bank account – we will try to expand this section to include all questions asked – Thank you for your input.