My wife recently got a part-time job, so we needed to open another bank account in her name. (I got a Barclays international student account just after arriving, but they won’t add spouses to it at Barclays.) So being fairly pleased with Barclays we decided to head back there again hoping to open a regular joint account, now that we’re more settled and have utility bills and such to prove we are ‘residents’.
The process here is so much different than in the states. There, if you have a wad of cash and a social security number, banks are as happy as they can be to open an account in your name. I suppose the only question they’ll ask is what’s your address to send the statements. Do it all online, and you’ll never even have to talk to someone. Here, you have to be approved for even the basic ‘current’ account (~checking acct in US speak). It was like applying for a loan. What’s your address, do you have proof by a paid utility bill (not just a letter from the utility company), what’s your previous address, how long have you lived here, what do you do, what’s your employer’s address, how much do you expect to make monthly, how much do you expect to spend monthly and in what categories, do you have any other bank accounts, how much do you have in savings,…. I suppose if you answer enough questions correctly, you’ll be approved.
So the problem we had is that my wife is not listed on any of our bills. Since I’m the only one with the bank account to pay the bills, I was the only one they added on the bills. I had heard that was an issue, so I originally had British Gas add her on the account, which they did. But somewhere in the 8 calls and numerous letters they sent (see previous post), she fell off of the list. Barclays didn’t even care that the letter from them has her full name on it, all that is required is a ‘Mrs. Blackwell’ near an address. We had one of the original BG letters with her name on it, but the letters have to be a paid bill within the past 2 months. That was never going to happen (at least in the next few months), so someone there came up with the idea of using the council tax bill. Taxes are good for something. They come out annually in March, and they have each adult resident listed on it. So we just made an extra trip there and that solved the issue. Moral of the story: 1) Set up all accounts in both of your names. 2) Don’t go paperless. I know it’s bad for the environment, but as an international you want as much current paperwork as you can get. 3) Make sure you sign the application with the same signature as your passport (that was trip #3 to fix that). 4) Expect to jump through hoops compared to the US.
With all that they said she would be approved to get an account. However, since they have me in the system already as a student, they said I’d have to make an appointment with the student banker guy to get it sorted out to join her account. All in all not too bad, but it is a culture shock with all the hoops you have to jump through. Kevin Bywater, a fellow paulinist here, has a fun story of a 3-week ordeal of shuffling paperwork, getting copies from the states, and then at the end the bank told him that he’d need the same info for his wife, which would take another 3 weeks. A small fact that it would have been nice to know up front. Needless to say they found another bank. But when you are moving to a different country, getting hung up on the bank account is super frustrating because so much other stuff depends on it.
So here are a couple of other tips we’ve come across. Apparently, Lloyds will open a student account with a spouse attached. So if you want to go that way, it may be easier. Any high street bank (Natwest, Barclays, HSBC, Lloyds, etc.) seem to offer similar benefits and options, so you should be alright with any of them. (Building Societies are similar to credit unions.) Remember to only deposit in £’s because a $ denominated check will take 6 or more weeks to clear. We found it easiest (and most cost effective) to just pull £’s from our US account using our ATM card. For larger amounts I believe a wire transfer would be necessary. See my Settling In post for a few more details on banking.
Thursday, 29 March 2007 at 10:34 pm
You have my sympathies. I know just what you are going through, though the other way round (from England to America). I found the possession of a Social Security Number here did open a few doors like making it easier to open a bank account, but then one has to wait a long time for the SSN, and still take in passports, paperwork and the like. It’s not possible for an international to open a US account on the net, either. I tried lots of times!
All best, Mark G
The real agony for me was trying to get a mortgage; wow — that’s not something I’d like to go through again. Still, all these things strengthen character
Friday, 30 March 2007 at 9:25 am
All these security checks are part of UK government rules tackling organised crime, money laundering and terrorist activity, and thus in a good cause. They go with long security checks at airports and the total absence of litter bins (‘trash cans’) on railway stations. The proof of identity rules are also a total pain even for UK subjects who need new accounts, a change of signatory or the like and your advice on how to set things up to make sure you can jump through the security hoops is really helpful. My experience is that banks are not very good at helping people to find their way around the system. Occasionally I comfort myself with the thought that if I were a single 23-year old Jordanian postgrad it might be a whole lot worse… MB
Friday, 30 March 2007 at 11:02 am
I definitely wouldn’t say my experience has been bad, just different. That’s the exiciting part of being in a foreign country. Fortunately, people at Barclays have been patient with us. Mark G.’s comment about credit is definitely something we’ve found to be true. We haven’t been able to get a credit card, much less a mortgage since we essentially have no credit history.
Friday, 30 March 2007 at 2:33 pm
But Ben, why would you guys need credit? I thought you were independently wealthy! =)
Friday, 30 March 2007 at 3:02 pm
Well, you know, it’s to help fund my day trading habit. : )
Saturday, 31 March 2007 at 9:38 am
Hello,
A question out of context. If you were to write a dissertation on JOhn what are some of the number of issues that will be of interest to you?
From a reader who reads your blog frequently and is passionate about John’s Gospel.
Thanks
Saturday, 31 March 2007 at 5:12 pm
James,
In response to your question (if you don’t mind me butting in), I would recommend that you contact a young scholar at Talbot School of Theology (Biola University, CA) named Mickey Klink (mickey.klink@biola.edu). Professor Klink finished his dissertation two years ago under Richard Bauckham that is being published by Cambridge (SNTSMS) called “Sheep of the Fold”, in which he studies the original audience behind the Gospel of John (http://www.amazon.com/Sheep-Fold-Audience-Testament-Monograph/dp/052187582X/ref=sr_1_4/103-8329541-0255842?ie=UTF8&s=books&qid=1175360894&sr=8-4).
As he has just finished his Ph.D, he’d be a great guide, so I would contact him; he’d welcome the inquiry.
Saturday, 31 March 2007 at 8:58 pm
Thanks John.
Sunday, 1 April 2007 at 10:27 pm
Since I’m coming from a historical theology background, I’ll have to defer to others on specific topics related to John because I barely feel like I know Paul. However, the issue of Theosis and John, or Luke, or Hebrews, etc. is wide open in my opinion. The issue is mostly treated at a systematic level rather than exegetical, so lots of stuff could be done there. That’s my 2 cents, and that’s about all it’s worth. : )
Monday, 1 September 2008 at 11:26 pm
Hey Ben,
I’ll be arriving in Durham this month and was just trying to fill out a form online for a bank letter form Ustinov. The form requires that you select a bank. I see that you’ve been (broadly) pleased with Barclays and I’d be happy to go that route but I was wondering, as I will be living in Keenan House, if there is a Barclays nearby or whether you’d have a different recommendation. Thanks
Tuesday, 2 September 2008 at 6:30 am
Barclays is pretty easy to work with. All the banks have their branches in the city centre. Since you are married, you might consider Lloyds first since I think you can both get on the same account. My wife had to get a separate Barclays account, and I am actually in the process of switching to a Nationwide (building society) account b/c of free currency transations. Other than the spouse thing though (for international student accounts), I havent’ had any issues with Barclays. Whatever route you go, I’d shoot for a regular ‘current’ account over a student account–just so you don’t have to pay a £5 service charge when the account gets low.
Definitely give us a shout out when you arrive!
Saturday, 27 September 2008 at 2:56 am
Hey Ben,
Thanks for the advise. I have one further question about banking. I know you just withdrew money from ATMs until you had enough to open a bank account, but I was curious whether a British bank can accept a check (e.g. a cashiers/bank check) made out in American dollars. We’d like to close an account here in the States, but I don’t want to be stuck with a check that I can’t cash/convert in the UK.
Thanks for all your help. We arrive Tuesdays. We’ll be sure to look you up.
Saturday, 27 September 2008 at 7:02 am
Yes. I believe they can. I’ve heard it takes 2 months or so to clear, so definitely don’t bring money you need to live on. I assume you’ll have another US account somewhere else, so I’d recommend depositing it there instead.