Basic debit card poor credit history.

[LEJMTJE]

Hi,

I would like a card to use just for paying wages into and withdrawing. Could anyone adivse one. Overdraft is not wanted and no credit is wanted or wanted to be offered.

Thank you

[stevie21]

Apply for a Basic Account (no debit card) or an account with an Electron or Solo card? (they're both basic debit cards)

Or, if you really want limited facilities and a guarantee of no overdraft or credit and don't mind ONLY having a cashcard then have your wages paid into an easily accessible savings account such as (from memory...) Abbey's Flexible Saver.

[PhilBy]

Due to the reform in how state benifits are paid all banks must now offer a basic account, this will mean no cheques etc. The only card you will be issued with is a ATM card that can only be used in the issuing banks ATM machines.

[r4zorb4ck]

NATWEST do a basic account for general banking. IE direct debits, standing orders and solo withdrawing. No credit is offered. This is called a STEP account.

[halfadaily]

I use Nationwide flex account, this is a basic account without any overdraft facilities, but you can set up direct debits and you do get a cash card to use at any cash machine. You might also want to consider a post office card account. The only down side to this is that you can only draw out your money from an open post office. I got caught out by this a few weeks ago when my village sub post office was shut for a few days for re-decorating and I had to get a bus into the nearest town (10 miles away) just to draw some cash out for groceries!

[funnywebsite]

Just set up the normal bank account and ask for a debit card. Check if there is a delay in the time the bank issues you with a card. I am going back about 15 years now when I set up my bank account and they did not issue you with a debit card till at least 3 months to see if you could be trusted or not.

This is stupid because you need a debit card nowadays so make sure they issue you with a card within a week or two of opening your account.