Opening second bank account

[neutralC]

Hello, I would like to open second bank acc as I now have only TSB which is too small for me (too little banks over my city).
 I wanted to open HSBC bank account, but they said I could only open business acc and no other, they will close down my acc if they would see much money flowing in when I won't state it's business. Huh? I do not want to open business acc, so can anybody give me advice where to open second bank acc? Thanks.

[Mirror]

Hello, I would like to open second bank acc as I now have only TSB which is too small for me (too little banks over my city).
 I wanted to open HSBC bank account, but they said I could only open business acc and no other, they will close down my acc if they would see much money flowing in when I won't state it's business. Huh? I do not want to open business acc, so can anybody give me advice where to open second bank acc? Thanks.

Are you a British national?

I have several accounts with different banks, some the same bank all know I'm self-employed and not been required to have a 'business' account.

[mySecret]

i am with HSBC and it is not a business account, ... as my accountant said you do not need one.
you can use one for everything.

[neutralC]

no, I'm not British.

I do not know what to tell in a bank why I need second bank acc as I have other one too. And HSBC said I need to pay for my business acc.

[Caledonia]

When I opened my account with Bank of Scotland I just said it was for paying bills. I also have an account with Halifax which I opened online no questions asked.

[Mirror]

no, I'm not British.

I do not know what to tell in a bank why I need second bank acc as I have other one too. And HSBC said I need to pay for my business acc.

There's been another thread about problems with banks, and I seem to remember the poster was also not British. Could be something to do with people sending money out of the country, or money laundering that sort of thing but I could be very wrong.

Yes I had problems with HSBC they were very businesses like, rude and intrusive.

For that reason I went to a different bank who were happy to open a simple savings account for client payments and deposits. They were so nice I even told them my occupation, which the advisor hardly blinked at.

HSBC have also been in trouble with the authorities, and have been clamping down even on business business accounts. A friend of mine has had a lot of hassle with them over nothing, there's been articles in the media not to mention complaints about how they are treating business customers in response to their own problems.  In my opinion HSBC are best avoided,

[English Green]

Try and open a second account online rather then in the bank. HSBC can be a pain. Try Barclays, Natwest and Halifax

[mySecret]

I am not british! not problem with HSBC.
I opened it 2 years ago, i do not know if they changed rules (maybe after bretix)

[DiscreetLady]

I'm not british, I have two accounts with natwest and barclays opened since 2011 directly at branch although I was a student at that time but they didn't ask me anything and I often deposit 1000-2000 pounds at a time and they don't say anything

[SuperCheese]

You could try opening an account with a building society, rather than a bank.

[Iloveginandtonic]

At the moment I have two current accounts with Natwest. One for personal and one for depositing my income. I have been told by Natwest that depositing income into a regular current account this against their policies, and would need a business account.

Just wondering if any of your girlies can recommend a bank?  One where I can deposit into a regular current account, without breaking policies.  I really don?t want to open up a business account.

[fion]

I have a first direct account. (It's under HSBC umbrella).

But it's great I can pay cash at the post office or HSBC. I use it as my work account. It's a standard account not business account. I then have a lloyds account where I transfer my wages online from first direct account to lloyds.

Honestly paying in at the post office they don't batter an eyelid. It's straight into your account.

[Mirror]

Santander are fine.

[Iloveginandtonic]

Thanks girls

[Mirror]

Thanks girls

Some banks are obsessed with upselling.