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Bank Account/Debit Card.

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I'm currently with HSBC and find them pretty naff tbh. + I have a Solo account as it was opened when I was 16, now I'm 18 I would like Visa, I don't earn hardly anything, don't really want an over dr… Read More
atlewis Avatar
9y, 10m agoPosted 9 years, 10 months ago
I'm currently with HSBC and find them pretty naff tbh. + I have a Solo account as it was opened when I was 16, now I'm 18 I would like Visa, I don't earn hardly anything, don't really want an over draft, just wanted to know which are good banks, and what offers are on for joining one? Quidco? + Free gifts? Anything good going? Thanks.
atlewis Avatar
9y, 10m agoPosted 9 years, 10 months ago
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Responses/page:
#1
Visa is a credit card isn''t it?

What problems do you have with HSBC? I've been with them for over a year now, never had a problem and am about to open an Online Saver account with them.
#2
Bleh, like instore I go in, and I had lost my card one guy gave me money, went in the next day and woman was like we dont give money in here, just wait for you card or something being all annoying so I cba. Visa I think is definatly a debit too tho. + With all the news recently about them I don't fancy staying with them :/
#3
'Visa Electron' is a debit card, 'Visa' is a credit card.
#4
atlewis
Bleh, like instore I go in, and I had lost my card one guy gave me money, went in the next day and woman was like we dont give money in here, just wait for you card or something being all annoying so I cba. Visa I think is definatly a debit too tho. + With all the news recently about them I don't fancy staying with them :/


Fair enough. [url]www.moneysupermarket.com[/url] Have a gander at the rates on there. Nothing I can recommend since I'm 16 and don't use Visa, just Solo/Switch.
#5
Ahhh that one then :P Which is one yo confirm your 18 too? My Solo can be from the age of 16 so that doesn't :/
#6
jamesterror
Fair enough. [url]www.moneysupermarket.com[/url] Have a gander at the rates on there. Nothing I can recommend since I'm 16 and don't use Visa, just Solo/Switch.

Thanks :) Just a bit too technical for me, I earn <£100 a week and its out straight away, so don't really care about interest rates etc.
#7
atlewis
Thanks :) Just a bit too technical for me, I earn <£100 a week and its out straight away, so don't really care about interest rates etc.


Yeh, its not bad. I earn <£100 a week also, but when your getting a bit of interest on money you've left in there or whatever, it adds up.
#8
jamesterror
Yeh, its not bad. I earn <£100 a week also, but when your getting a bit of interest on money you've left in there or whatever, it adds up.

You may be better than me at saving ;) Cant get much interest on the 20p or w/e that remains in my account after the first day of being paid.:giggle:
#9
atlewis
You may be better than me at saving ;) Cant get much interest on the 20p or w/e that remains in my account after the first day of being paid.:giggle:


haha. Well I'm happy with whats sitting there at the minute, but it will be gone since I've just got back from a weekend way where all expenses were paid for :)

Though, if you put a small percentage of your money in an ISA, I'm sure you'd be happy when the interest is paid :)
#10
A small percentage of my 20p? :p Nah I will try one day, need more hours at work too ^^ lol.
#11
You get Visa Debit cards too not just Visa Credit,more places take it shops and online than Visa Electron.
HSBC versions of a debit card is a Maestro,least thats what we got from there.Most of these debit cards are linked onto a a current account.
#12
Yea mines a Maestro/Solo thing.
#13
Mum2Connor&Cerys
You get Visa Debit cards too not just Visa Credit,more places take it shops and online than Visa Electron.
HSBC versions of a debit card is a Maestro,least thats what we got from there.Most of these debit cards are linked onto a a current account.


Sounds about right to me.
#14
I tried to use the Coral site the other day with quidco, signed up with my card, they said they have to do a check to see if I'm 18 or not as these cards can be for under 18. Then it said they couldnt check and I'm now suspended. :(
#15
atlewis
I tried to use the Coral site the other day with quidco, signed up with my card, they said they have to do a check to see if I'm 18 or not as these cards can be for under 18. Then it said they couldnt check and I'm now suspended. :(


=\ I'm about to get a contract on three. Hoping my Debit Card will work with them.
banned#16
This gives you a Visa Debit Card (You could of have it @ age of 16)
http://www.lloydstsb.com/current_accounts/under_19s_account.asp
#17
h4x3r
This gives you a Visa Debit Card (You could of have it @ age of 16)
http://www.lloydstsb.com/current_accounts/under_19s_account.asp

Must not be the right thing :S May only be credit cards, but I don't want one of those :/
banned#18
atlewis
Must not be the right thing :S May only be credit cards, but I don't want one of those :/


Its a Visa Debit card no over draft or nothing

phone them up or go 2 your local branch if you don't believe me!
a Lloyds TSB Visa debit card if you're over 16 - to use as a debit card or to withdraw cash worldwide,
#19
atlewis
Must not be the right thing :S May only be credit cards, but I don't want one of those :/


Yehh stay away from Credit Cards =/ A friend ran up £400 debt than he couldn't pay it back intime so got fined by the bank. Painful if you make a mistake or go crazy with it.
#20
h4x3r
Its a Visa Debit card no over draft or nothing

phone them up or go 2 your local branch if you don't believe me!

Nooo I didn't mean you :P I meant, it musn't be the right Visa that I'm thinking of :P

And yea as I cant save a Credit Card would be a bad idea, and I'm not that stupid anyway :P
banned#21
jamesterror
Yehh stay away from Credit Cards =/ A friend ran up £400 debt than he couldn't pay it back intime so got fined by the bank. Painful if you make a mistake or go crazy with it.


Its not a credit card its a debit card read
banned#22
atlewis
Nooo I didn't mean you :P I meant, it musn't be the right Visa that I'm thinking of :P

And yea as I cant save a Credit Card would be a bad idea, and I'm not that stupid anyway :P



What are you thinking of?

A visa payment method SAME as SOLO?
#23
h4x3r
Its not a credit card its a debit card read

He was reffering to what I said above you I presume :p
#24
h4x3r
Its not a credit card its a debit card read


I quoted wrong person, my bad.
#25
"I tried to use the Coral site the other day with quidco, signed up with my card, they said they have to do a check to see if I'm 18 or not as these cards can be for under 18. Then it said they couldnt check and I'm now suspended. :("
Wanted to get a new bank anyway and thought I might aswell get a card that proves I'm 18, (If theres such thing.)
#26
atlewis
"I tried to use the Coral site the other day with quidco, signed up with my card, they said they have to do a check to see if I'm 18 or not as these cards can be for under 18. Then it said they couldnt check and I'm now suspended. :("
Wanted to get a new bank anyway and thought I might aswell get a card that proves I'm 18, (If theres such thing.)


If you sign up as another user with the same address I don't think it will let you. I tried to, but my dad had already signed up. :roll:
banned#27
atlewis
"I tried to use the Coral site the other day with quidco, signed up with my card, they said they have to do a check to see if I'm 18 or not as these cards can be for under 18. Then it said they couldnt check and I'm now suspended. :("
Wanted to get a new bank anyway and thought I might aswell get a card that proves I'm 18, (If theres such thing.)


Ill try with my Lloyds TSB under 19 card and let you kniow
#28
jamesterror
If you sign up as another user with the same address I don't think it will let you. I tried to, but my dad had already signed up. :roll:

I meant for like the totesport one etc. I got banned but the quidco is still on :) It still took the tenner off me :P
#29
I am with Barclays and i have a Visa Debit card and only have a basic account with them, never had a problem yet with them.
#30
Go with Nationwide you will get a visa Debit card.

They have been great with me.
#31
Visa Electron is the one you want to go for, well thats what i have, got it from Barclays, takes 5 days in the post.
#32
Visa Electron is still not a "full" Visa debit card. I had the same problem with age verification on Betfair so it does not prove you're over 18.
#33
fludie
Visa Electron is the one you want to go for, well thats what i have, got it from Barclays, takes 5 days in the post.


This card is rubbish many online stores do not accept it.

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