I’m a foreigner living in the UK, holding +£40k in my Monzo account, pretty stable expenses and revenue.
My employer pays my mobile phone expenses and I used to live in a house share (all bills included).
For 12 months, i had no bills.
I can’t get an overdraft to create a credit score. Which seems something people are doing here, comparing to France, where I used to live.
And I don’t want to get those products from other banks.
Why don’t you find a way for giving an overdraft for people with enough saving?
For example, you can even give an overdraft equal to a “blocked” amount of money (you hold £1000 and allow me an overdraft of the same amount).
Any ideas ?