I have a bad credit history; can I still get a bank account?
Yes, you can. You can get a
cardonebanking account, regardless of your credit history. We don’t make any credit checks, and there is no chance of you getting into debt with a
cardonebanking account. We can help you make a fresh start.
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Can I apply online?
Yes, you can. Simply
click here to complete our online application form. If you have any problems, or require some assistance, please telephone
0871 811 1881 (calls cost 10p per minute from a BT landline but could be more from other networks and mobiles) and one of our advisors will guide you through the process.
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Can I get my salary/wages paid into my account directly?
Yes, you can. It couldn’t be simpler to get your wages paid into your account, simply sign the pre printed wages mandate (enclosed in your welcome pack) and hand over to your employer or payroll department. This will mean that your wages, whether you are paid daily, weekly or monthly are paid directly into your Billing Account.
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How can I withdraw money? Can I use Cash machines?
You can use your
cardone Prepaid MasterCard Card in most shops, online or over the phone and withdraw cash at any ATM that displays the MasterCard acceptance mark. Please use our
ATM finder to locate your nearest ATM.
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How much does cardonebanking cost?
For just £12.50 per month you get a fully managed bank account that allows you to manage your finances easily and hassle free. You’ll get your own online account management centre and access to our account management team who are just a phone call away to answer any queries you may have. You also get the added convenience of a Prepaid MasterCard Card, so you can use it to shop or withdraw money at home or abroad.
With
cardonebanking there's no risk of incurring charges or going overdrawn accidentally. If there are insufficient funds in your Billing Account to cover a standing order that you have set up, we will notify you by text 5 working days in advance. If there are still insufficient funds to make the payment 2 working days before it is due to be paid, we will text you again and notify you that we have stopped the payment. There is no account opening fee, you just pay the monthly fee in advance.
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How can I check my balance? Do you send paper statements?
You can check your balance 24 hours a day, 7 days a week using our online banking facility,
click here to log in. You can view your statement online or print for safe keeping. You can also check your balance by telephoning you personal money manager on
0871 811 1881 (calls cost 10p per minute from a BT landline but could be more from other networks and mobiles), and they’ll let you know your balance and inform you of any upcoming debits from your account. If you have registered your mobile phone number with us, you can also check your balance by sending a text to 60777 containing the word “BALANCE”. You will be charged by your standard network rate for sending the text request to us, and £0.15 by us for sending the text back to you.
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Can I apply if I’m self employed?
Yes, you can apply whatever your circumstances. We accept applications from employed, self employed and even
unemployed. As we perform no credit checks, you can still be accepted for a
cardonebanking account even if you have had CCJs or defaults in the past. We will also accept applications where the high street banks may have turned your down due to bankruptcy etc.
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Do you provide online account management?
Yes, you will be sent a password separately which will allow you to log in to your own account management centre 24 hours a day, 7 days per week. Using the online banking facility you will be able to check balances and view statements on your Billing Account and your Prepaid Card account, transfer money between the two, order a second card, set up and amend standing orders, transfer money to another bank account, set up your texting alerts and amend your personal details. You will also gain access to the secure messaging service, where we will post letters to you, and where you can contact us securely.
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Do you pay interest?
No, we are unable to pay interest on any funds credited to us.
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Do you offer Direct Debits, cheque books and overdrafts?
No.
cardonebanking is a managed banking facility and we believe that all of these things would make management of your finances more difficult. Our aim is to help you take control of your finances through the use of separate facilities for wages and bills (Billing Account) and spends (Prepaid Card account), using standing orders only to pay bills. However, variable payments such as mobile phone bills and satellite TV bills can be made direct from the card account.
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Where is my money kept – is it safe?
Yes, your money is held completely securely in NatWest Bank. The maximum balance you can have in your Billing Account is £25,000. Funds held on the card (maximum balance of £5,000), are held with Newcastle Building Society. All funds are held in trust, which keeps them separate and secure.
cardonebanking aligns to the Banking Code and is committed to providing the utmost in security and customer service.
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How do I deposit cash or cheques I may have?
You can deposit cash or cheques
only using the bank giro forms provided by us. You will need to deposit these at any NatWest branch by inserting the completed form and funds into the Quick Deposit envelope found in the branch and depositing it into the repository for Quick Deposit. Please refer to our
terms and conditions for details of the cheque clearing rules. We do not accept cheques payable to a third party and endorsed in your favour.
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