Banks… worrying places…
So.. no idea if people know.. but apparently it’s hard to get a bank account in the UK. Well.. that’s kind of true.. with someone here to answer for you, you can open a very basic one with HSBC - gives you internet banking, direct debits, “pay anyone” etc, and an ATM card, that only works in an ATM. There are limits however, like 200 quid/day total withdrawal (even from a branch).
If you’ve lived in the UK, you’ll know already just how important/convenient having a debit card is. Here they can be used online like credit cards to buy things - which in this day and age, and city especially, is almost essential to daily life. “You’re asking too much” I would have said in NZ.. however here of course the city is HUGE, and you don’t have a car to carry things you wish to buy, and on top of that, the internet shopping thing here has taken off to the point where prices are even 20-30% cheaper by buying off the internet, even from stores with retail outlets.
So.. stupid frustration sitting here without one.. far more than in NZ I guess, hell, when I turned down the instant debit card account (by paying them cash), I thought I was doing the right thing. How wrong was I
Anyway.. we’ve been trying to upgrade our account and Marie keeps running up against the “no proof of address” thing here - to the point where she’s gotten pretty frustrated about it - and me. We keep getting sent things that should be on their list (and apparently are), yet for some reason aren’t good enough.
Fast forward to today. Marie had received her NI (national insurance, or IRD in NZ) number notification in the mail, and rocks into the bank with that (she had been told it was fine), and was turned down. She even asked again about the paid account, and was told that that wasn’t an option now that we had the basic account - WTF mate? (in best aussie accent). I decided that since I had 30 mins at lunchtime before my NI interview.. I would rock in and see what was up - maybe a different branch would have a different opinion.
Crazyness.. I wandered in, was met by customer service person “Hi, I started banking with you 2 months ago, and I really hate not having a debit card ay”. She nearly cut me off with “why in hell wouldn’t you have one of them, come to <name here>’s office immediately”. European chicks - so intense ;)… Wandered into this guys office, and he proceeds to upgrade our account to a normal bank account, with debit cards on the spot, no extra paperwork required from me.
So.. I’m now sitting, wondering if it’s really true, but apparently there are debit cards (just solo cards, with switch cards promised within a month - “He’ll call you when it’s time to come in and upgrade, and he’ll sort it all out for you, I promise”), there’s even apparently a cheque book in the mail, and a 1000 pound overdraft on our account now!
Unbelievable - but I’m not complaining.
