Oh yes, I do agree with that.
If that’s what you meant then I’m 100% on board with your thinking.
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So, I can’t use the increased internet rate as virgin money closed my current account for being dormant, be careful guys
Their CS seems appalling too
Why they just can’t reply when they’re ready like Monzo do I don’t know you have to start again every three minutes. Unless you leave your phone screen on it’s ridiculous.
I understand it was likely in their T&C’s that they could do this
Did you receive an update?
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Did they ask you at a later date?
I didn’t, I gave up. Figured it wasn’t worth my time for the extra 0.2% over chase in the end
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Nope never asked. There’s now a fair amount of money in there earning interest.
They never asked me for ID either.
That’s quite alarming in my eyes as how do they know the person is who they say they are, someone could literally open one in someone else’s details .
Not really… As if your personal details (Name, DoB, Address etc) all match then you’re good.
It would cause alarm if your address didn’t match and they still approved it.
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Yeah I found it really weird
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These are pretty easy details to get though right?
But most criminals who are trying to impersonate someone will more than likely know all of this to their victims.
Some electoral rolls registers allow you to check peoples information just from a name and town name, which is why I opted out to be on any public list.
Maybe they do further checks if you open some form of credit or overdraft. Guess there’s not much damage you can do with a basic account, what they gonna do, put money in it? 
I suppose putting money in & out can count as making someone a money mule without them knowing.
If it’s the M plus account I think the overdraft unarranged comes as standard with the application last time I checked it.
Additionally some loans allow you to get a loan without ID if it’s paid into a bank that is in same details and same address. So they could do that too.
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Very good points. Definitely worrying then and seems like they’re setting themselves up for some complaints.
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@robsug @Ashton but they will write to you with at least a debit card.
If I got a debit card in the post and wasn’t expecting it I’d be straight on the phone to said bank
All my accounts I’ve opened, I’ve never had to show any form of ID apart from with challenger / FinTech banks and to get my Childs & Co account (RBS)
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I see your point although I guess the damage could have already been done. Although I suppose you won’t be liable for anything since it wasn’t you.
I feel like I’m more paranoid since every bank I’ve had has always forced me to show at least 1 method of ID so it’s new to me hearing this and doesn’t sit right as I’m not used to it.
I lie… ish… My Amex account I went through an account review a few months after it was opened. They wanted a copy of a payslip and then the review was complete 
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Na, you’re still ‘on the electoral register’ as far as credit reference agencies are concerned, even if you opt out of the open register.
When you opt out of the open register, your details will still appear on the full version of the electoral register.
The full version and what it can be used for
Everyone’s name and address goes on the full version of the electoral register, and you cannot opt out. This is the version of the register that’s used for elections and referendums.
The full version of the register can only be used for:
- electoral administration purposes (such as sending out poll cards before elections)
- campaigning activities (for example, candidates and political parties sending election communications to voters, surveying opinions or fundraising)
- preventing and detecting crime
- checking applications for loans or credit
- jury summoning in England, Wales and Northern Ireland
You can find out more about the difference between the open register and the electoral register.
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Redacted
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