Access to Banking if you can't show proof of ID in branch — Scope | Disability forum
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Access to Banking if you can't show proof of ID in branch

SweepeyD
SweepeyD Member Posts: 3 Listener
I'm a carer the person I look after is housebound. He needs to open a new bank account because his current provider no longer offers current accounts or ATM cards on any of their accounts. Although he can provide ID he can't get into a branch to verify this and since Covid the banks I've approached don't do home visits. To open an online account he'd need a smart phone to download the app but he does not want a smart phone. Does anyone have any suggestions? I'm surprised not to find any legislation that helps provide access to banking for disabled people. I'm aware of Appointee but DWP were less than helpful, seemed reluctant to help. The bank says Power of Attorney will take too long. Besides he's mentally capable, just unable to get to branch.
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Comments

  • Tori_Scope
    Tori_Scope Posts: 6,575

    Scope community team

    Welcome to the community @SweepeyD :) 

    Hmm, this is a good question. Most of the information I found after a quick Google said even if you open an account online, you might still be asked to visit a branch to show proof of ID. 

    This page on NatWest does seem to suggest that you can do it all online, but I'm not sure.

    I've marked your post as unanswered so that we can come back to it, and also to flag up to other users that you haven't had an answer to your question yet.

    Is there a particular reason he doesn't want a smartphone? 
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  • MarkM88
    MarkM88 Member Posts: 1,975 Pioneering
    If banks can verify your identify without ID then they will. 

    I opened a current account earlier in the year and this was all done online, no need to go in branch and was asked for no ID or documents, they were able to verify me in other ways and from other sources. So it is possible. 
  • SweepeyD
    SweepeyD Member Posts: 3 Listener
    Sorry I can't seem to figure out how to respond to individual replies so Tori_Scope and MarkM88 thank you for responding to my query:-) 

    Tori_Scope - he just doesn't do technology. "my phone is just for making and receiving calls". He only let me show him how to read a text message because he missed out on a great deal by waiting until I was around to read it for him!! What can I say. I'll have a look at the NatWest one thank you.

    MarkM88 - yes you're right it is possible. Unfortunately his existing account is with a building society who don't take part in the "Switch Service", that would have gone a long way to verifying his ID. Plus, per previous comment you may have gathered he is very "old school" and obstinate refusing to move into the 21st Century so he doesn't do debt i.e. credit cards etc which means he will have no real credit history etc. 

    Tori - thank you for keeping this open as unanswered, I look forward to hearing from anyone who may have any input:-)
  • MarkM88
    MarkM88 Member Posts: 1,975 Pioneering
    Just to point out you don’t need to have a credit history or even a “good” one, there are basic current accounts out there to use. 

    All I can suggest is you speak to each bank provider. 

    They of course have to accept reasonable adjustments but alongside this have to operate within rules, regulations, legislation, etc and therefore can only do so much. 

  • JustPete
    JustPete Community Volunteer Adviser Posts: 49 Connected
    @SweepeyD Have you got this resolved yet?  If not, I will do some further investigations as it seems ridiculous!
    I am a Scope Volunteer.   I have knowledge about life! Additionally, but not limited to: living with a disability, employing personal assistants (requiring 24x7 care), education (having reached PhD level), sexuality (being gay) managing relationships having a disability (tricky), technology and assistive technology (being a geek), sport & leisure (being a Paralympian and on various committees whose purpose is to maximise inclusion at all levels), mental health (both through personal experience and supporting others), Arsenal Football Club (a necessary part of life).  If I can't help, I will endeavour to find somebody who can.

    "You are braver than you believe, stronger than you seem, smarter than you think and loved more than you'll ever know." - Winnie The Pooh
  • rubin16
    rubin16 Member Posts: 198 Pioneering
    I recently wanted to open a savings account and tried some banks, Halifax I tried first and they asked me to go into branch to show ID to open the account. Since I suffer from bad social anxiety and don't go out much it wasn't an option. I then tried Natwest which was far more easier and they did everything online, I didn't have to go in branch just upload documents via a verification site online and it was set up.

    I think it depends on the banks themselves, but some you can simply open just via online. I'm not sure about current accounts but the switch service should make it even easier I'm guessing. Natwest was very easy to open and had it done within 2 days of enquiring.
  • JustPete
    JustPete Community Volunteer Adviser Posts: 49 Connected
    A quick look at HSBC returned this:

    I am a Scope Volunteer.   I have knowledge about life! Additionally, but not limited to: living with a disability, employing personal assistants (requiring 24x7 care), education (having reached PhD level), sexuality (being gay) managing relationships having a disability (tricky), technology and assistive technology (being a geek), sport & leisure (being a Paralympian and on various committees whose purpose is to maximise inclusion at all levels), mental health (both through personal experience and supporting others), Arsenal Football Club (a necessary part of life).  If I can't help, I will endeavour to find somebody who can.

    "You are braver than you believe, stronger than you seem, smarter than you think and loved more than you'll ever know." - Winnie The Pooh
  • MarkM88
    MarkM88 Member Posts: 1,975 Pioneering
    @JustPete which is great, as all banks probably allow online applications. They will still require verification of ID though. 
  • SweepeyD
    SweepeyD Member Posts: 3 Listener
    @JustPete - thank you for all your effort. No we're not resolved yet. I tried Nat West as suggested by @Tori_Scope unfortunately the ID he could provide, while OK for Halifax, isn't standard for them. Also the submission of ID process was via Smartphone (which he doesn't have). I'll give the HSBC a shot. Thank you. I'll post on the site and let you know either way. 
  • muuranker
    muuranker Member Posts: 16 Connected
    Does your client have internet access? If so I recommend Triodos. Because (a) they don't have branches. (B) they are very disability aware - they were talking me through regaining access when I had locked myself out, and mentioned I struggle to see the numbers on the little thingy - they asked if I thought a speaking thingy would help, they organized it. I whinged about their newsletter being badly designed accessibility-wise, they changed designers and (c) they are "ethical" which for them means that their non-personal accounts are for charities and social enterprises, and accounts sir people who want to invest in social enterprises, greening schemes and such-like. 


  • muuranker
    muuranker Member Posts: 16 Connected
    I should add: a personal account costs £3 a month. This means they don't have to make money from folk who go overdrawn. Thinking about this: I'm going to put it to them that this might be a barrier for folks with disabilities, and could there be some exemption?  
  • JustPete
    JustPete Community Volunteer Adviser Posts: 49 Connected
    muuranker said:
    I should add: a personal account costs £3 a month. This means they don't have to make money from folk who go overdrawn. Thinking about this: I'm going to put it to them that this might be a barrier for folks with disabilities, and could there be some exemption?  
    ABSOLUTELY!  The would get so much custom!
    I am a Scope Volunteer.   I have knowledge about life! Additionally, but not limited to: living with a disability, employing personal assistants (requiring 24x7 care), education (having reached PhD level), sexuality (being gay) managing relationships having a disability (tricky), technology and assistive technology (being a geek), sport & leisure (being a Paralympian and on various committees whose purpose is to maximise inclusion at all levels), mental health (both through personal experience and supporting others), Arsenal Football Club (a necessary part of life).  If I can't help, I will endeavour to find somebody who can.

    "You are braver than you believe, stronger than you seem, smarter than you think and loved more than you'll ever know." - Winnie The Pooh

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