The eccount money current account is available to UK residents who are at least 18 years of age. It is particularly suitable for people that have a poor credit rating including those that are bankrupt as the company do not carry out a credit reference search on you. They will need to identify you and prove you live at the address you say which they will endeavour to do by electronic means.
You can have your salary, wages, benefits or pension paid directly into the eaccount and you can even pay cash in at the Post Office which is free or one of over 23,000 Paypoint outlets. Cheques can be paid in by utilising the postal cheque cashing service.
You can pay your regular bills by standing order or direct debit making this a convenient way of controlling your household expenditure and assist you in your budgeting.
Eccount provides a prepaid VISA debit card that is topped up by transferring funds from your eccount into it. The card can then be used either in the UK or overseas to withdraw cash from ATM machines that display the VISA symbol. It can also be used to purchase services or goods from shops, online or over the phone.
You can access and manage your current account online or through their mobile banking service at any time of the day or night where you can, for instance, check your balance and recent transactions and amend payments.
If you wish to speak to someone, a UK based call centre is provided to deal with any queries you may have.
The online application process is quick and simple to use, often only taking a few minutes and you should receive your VISA debit card a few days later.
There is an application fee of £12.50 and a monthly administration fee of £12.50. There are other usage fees.