opening ulster bank account

Bob Z

Recently i tried to open an ulster bank account with my passport but they refused to look at my passport as ID because it had expired. But isnt it still a form of ID?

BuffyBot

If it's out of date, not really.

Toots

It has to be a 'current' form of ID, so it has to be in date at the time the account is opened. The only exception to this I've ever seen is when a customer came into a branch where I worked and he'd just started a new job but didn't have an account and the company would only pay into a bank account. He was due to be paid that week and he needed the money badly. His passport was out of date by a week, literally 7 days, so the manager agreed to open the account on the condition that he brought the new passport in when he got it or his current driving licence. He was given a letter on opening the account that stated that if he didn't produce either the passport or driving licence within 30 days his account would be closed.

unclebill98

To override the system and accept out of date ID requires sign off from various dept. So if it's not urgent the branch manager ain't going to do it for you in and in most cases it's just simply refused.

Cabaal

Bob Z wrote: »

But isnt it still a form of ID?

Nope,
It wouldn't be accepted by a new employer as form of ID, any airline, Gardai or in this case banks. You'll need a in date passport.

Rebel1977

Cabaal wrote: »

Nope,
It wouldn't be accepted by a new employer as form of ID, any airline, Gardai or in this case banks. You'll need a in date passport.

Correct

How about a driving licence, surely you have one of those ?

Cabaal

Rebel1977 wrote: »

Correct

How about a driving licence, surely you have one of those ?

I may be wrong but I think you need two forms of ID,

unclebill98

You need two forms.

One for Id and another for proof of address.

http://www.ulsterbank.com/roi/personal/daily-banking/current-accounts/useful-information/identity-proof.ashx

R.D. aka MR.D

They sometimes accept the register of electors as proof of address

Rebel1977

They do accept register of elections as proof of address.

lobbas

Does the paper you get with your PPS-Number count as proof of adress? Or how am I supposed to get one? I just moved here.

homer911

Banks are going completely OTT in relation to ID as the regulator is coming down heavy on them re AML compliance

I know of one bank that closed customers deposit accounts because they were not AML compliant, despite being written to on a number of occasions requesting further ID etc. (They were old accounts predating the current regulations)

I tried to open an account with EBS recently and all seemed fine until I tried to lodge money by credit transfer to the account and it was bounced back - turns out the post account-opening AML checks by their compliance people froze the account as the photocopy of my drivers license that I had given them was missing about a third of a character on the left side!!

..and its this kind of story that scares the life out of them:
http://www.centralbank.ie/press-area/press-releases/Documents/Settlement%20Agreement%20between%20the%20Central%20Bank%20of%20Ireland%20and%20Combined%20Insurance%20Company%20of%20Europe%20Limited.pdf

testicle

I opened an account with Ulster Bank (online, not via branch) not 5 months ago, and I wasn't asked to provide any form of identification other my PPSN.

rgossip30

homer911 wrote: »

Banks are going completely OTT in relation to ID as the regulator is coming down heavy on them re AML compliance

I know of one bank that closed customers deposit accounts because they were not AML compliant, despite being written to on a number of occasions requesting further ID etc. (They were old accounts predating the current regulations)

I tried to open an account with EBS recently and all seemed fine until I tried to lodge money by credit transfer to the account and it was bounced back - turns out the post account-opening AML checks by their compliance people froze the account as the photocopy of my drivers license that I had given them was missing about a third of a character on the left side!!

..and its this kind of story that scares the life out of them:
http://www.centralbank.ie/press-area/press-releases/Documents/Settlement%20Agreement%20between%20the%20Central%20Bank%20of%20Ireland%20and%20Combined%20Insurance%20Company%20of%20Europe%20Limited.pdf

I have an account with the EBS over 20 years . I was asked quite sternly to provide PPS and proof of address . The staff there although changed some have a lot of personal info and I do not feel its private . I just keep a small amount of money there for this reason . There is more privacy in the Ulster Bank .