Change from joint to single account

[cookie2112]

Hi everyone, I need to get a new bank account, the one I have now is a joint account but when I change I just want it to be in my name (only my salary goes in there and I pay all the bills), does anyone know if I will have any problems doing this? If I apply for a single account and use a transfer service for the dd's etc, will they query it?

Any advice/knowledge/experience gratefully received!

Thank you

[nightwatch]

Re: Change from joint to single account

I have an account in my name only, just open a new account in your name I don't see why they need to question it.

[cookie2112]

Re: Change from joint to single account

I have an account in my name only, just open a new account in your name I don't see why they need to question it.

Thanks NW, it was just a thought they they might not like it when there are bills in both names transferring over....but if you don't think its a problem then I will carry on with my search! Thank you

[Never-In-Doubt]

Re: Change from joint to single account

do you want to change banks? If not who do you bank with as most let you have a sole account anyway, without credit searching you. I have 2 accounts with most banks (santander / natwest / barclays)

[cookie2112]

Re: Change from joint to single account

Hi Niddy, I would quite like to have a high street bank, been with IF for 12 years but it can be a pain posting chqs in etc and there seem to be some decent accounts around. Thinking Tesco or Halifax at the moment....

[Never-In-Doubt]

Re: Change from joint to single account

Hi Niddy, I would quite like to have a high street bank, been with IF for 12 years but it can be a pain posting chqs in etc and there seem to be some decent accounts around. Thinking Tesco or Halifax at the moment....

If you pay bills use santander 123 account. they pay cashback on your direct debits LOL

This is mine in 2 years - all free money

[cookie2112]

Re: Change from joint to single account

Looked at that one but thought it was only going to be useful if I have a Santander mortgage...which I won't have! Will look again though, thanks Niddy

[Never-In-Doubt]

Re: Change from joint to single account

I get about a tenner a month as you can see but I oay £500+ to comms (sky / phones etc) plus two council tax accounts from it so I get a bit more I think.

[cookie2112]

Re: Change from joint to single account

I have used their online calculator and it says I would get approx £350 a year!! Just from paying my bills!! Sounding more interesting!.....or I have made a mistake....

[nightwatch]

Re: Change from joint to single account

I too have the 1 2 3 account only small amount of cash back per month, but, it's better in my pocket x

[cookie2112]

Re: Change from joint to single account

I too have the 1 2 3 account only small amount of cash back per month, but, it's better in my pocket x

Thanks NW, think I must've messed up the calculations, £30 per month seems like a lot!

[Never-In-Doubt]

Re: Change from joint to single account

Thanks NW, think I must've messed up the calculations, £30 per month seems like a lot!

the bank account doesn't include credit card stuff. £30 is almost impossible unless you pay £3000 in DD's a month. I do good at just shy of £11pm cash back and my DD's DO total £2000pm LOL

[cookie2112]

Re: Change from joint to single account

Sounds like I might have got carried away with what I was including then! Will run through it again, thanks Niddy