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Opening a Bank Account on Fiance Visa

Discussion in 'General Chit Chat' started by Brom27, Feb 24, 2017.

  1. Brom27
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    Brom27 Well-Known Member Trusted Member

    Might be a one in a million chance but has anyone been succesful of opening a bank account on a fiance visa? If so, then what bank is it?

    Cheers everyone. :)
  2. Dav3&Ai5a
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    Dav3&Ai5a Active Member

    Try Lloyds Bank or Santander. You'll need your passport and proof of address like utility bill or council tax statement.
    • Like Like x 1
  3. Brom27
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    Brom27 Well-Known Member Trusted Member

    I'm gonna try Lloyds Bank since that's my fiances bank as well. I might wait until I get proof of address though. Thank you for that. :)

    Have you tried opening a bank account before on fiance visa? Or were you on spouse visa already when you came here?
  4. Timmers
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    Timmers Well-Known Member Trusted Member

    I know one or two on the forum have opened accounts when on a Fiancee visa but most have been declined until they have the FLR/BRP, I'm guessing the theory behind the refusals is because you do not become a resident of the UK until the FLR is in hand.

    I think @Methersgate may have been successful.
  5. Dav3&Ai5a
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    Dav3&Ai5a Active Member

    I did on fiancée. I had two letters off them which I added to my proof of address for FLR
  6. Brom27
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    Brom27 Well-Known Member Trusted Member

    Yeah I think it's most likely declined because of having less than 6 months visa. Was just hoping if someone has been successful especially on Lloyds Bank since I'm hoping to try with them very soon.
  7. Brom27
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    Brom27 Well-Known Member Trusted Member

    Wow that's good to hear. Which bank is it then if you don't mind?
  8. Timmers
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    Timmers Well-Known Member Trusted Member

    I'm sure some people have been successful, which banks I do not know, I'm sure someone will post.

    Better as you say if you can bank at your chaps branch.
  9. Dav3&Ai5a
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    Dav3&Ai5a Active Member

    Opened an account with Lloyds Bank.
    Last edited: Feb 25, 2017
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  10. DavidAlma
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    DavidAlma Well-Known Member

    Is it a requirement to be a resident for opening a bank account in UK?
  11. Timmers
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    Timmers Well-Known Member Trusted Member

    Below is something I came across whilst perusing the internet;

    If you are an EU resident or living in the UK you can open a bank account as a non-domiciled customer, however, generally speaking most banks will avoid banking non-residents because of the rules around identifying customers or KYC (Know Your Customer) as it is known. There are only three banks in the UK that allow non-resident accounts Barclays, HSBC and Lloyds.

    I know you can open non domiciled accounts, I've seen banks advertising this service, basically if you have money some financial institution will take it off your hands :)
  12. Brom27
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    Brom27 Well-Known Member Trusted Member

    He'll try to introduce me to Lloyds since its been his bank for more than 40 years. I hope it's not a hassle.
  13. Brom27
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    Brom27 Well-Known Member Trusted Member

    I hope I can open an account with them too. :)
  14. Timmers
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    Timmers Well-Known Member Trusted Member

    Lloyds is one of the few banks that appear to be more welcoming to new to the UK people, I think you will be okay.

    @Dav3&Ai5a was successful so you have a better chance with Lloyds than with most other UK banks.
  15. Anon04576
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    Anon04576 Well-Known Member

    Asawa is with Lloyds and Halifax.
  16. Timmers
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    Timmers Well-Known Member Trusted Member

    Two bank accounts, she must have money :) :like:
  17. bigmac
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    bigmac Well-Known Member Trusted Member

    yep--my mrs has had lloyds current and credit card for years now. she added me ! lol
  18. Anon04576
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    Anon04576 Well-Known Member

    She didnt find Lloyds very accomodating regards credit rating not long after opening that account hence the move. Halifax/Lloyds are actually one and the same in reality.
  19. Timmers
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    Timmers Well-Known Member Trusted Member

    What do you mean by "Lloyds were not very accommodating regarding her credit rating?"
  20. Anon04576
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    Anon04576 Well-Known Member

    She was trying to get her own credit score up and wanted to maximise it by utilising the services they offered, credit card and such like in order to achieve that. They weren't really helping so she sought other avenues, one being halifax and credit card services elsewhere. It can be a bit of a catch-22 when you first get here.

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