What happens after I apply

I have completed an application on the Internet - what happens now?

If your application has been agreed you will receive an application pack in the post, within 2/3 working days from the date you applied for your account. To get your account open all you need to do is sign and return the application form and send us any documentation we may have requested in the pre-paid envelope provided.

I have signed and returned my application form - what happens now?

As soon as we receive your signed application and any supporting information we may have requested we'll complete our final checks and send you confirmation of your new account details. Shortly afterwards your card and PIN will be sent, followed by your account welcome pack.

There are some pieces of information I need to change on my application form, can I do this?

Cross out information that is incorrect, and insert correct details, initial any alterations made and return the application in the pre-paid envelope provided. It will be necessary for us to re-process the application form, which may result in a new credit reference search in light of the corrected information.

I would like to change the type of account that I applied for, can I do this?

Please complete a fresh application as different Terms and Conditions apply to different accounts. A new application will result in another Credit Reference search.

I have just applied for an account. What Identification do I need to provide?

You may need to provide both proof of identity and confirmation of your address, in some occasions we are able to complete our checks without the need to ask you for anything. The letter you receive from us will be specific with regards to your own personal circumstances and will detail what you are required to send us, if anything.

I already have an account with you, why do I need to provide further identification?

Alongside other financial institutions we are legally required to identify our customers when a new account is opened. On some occasions this means that we may seek some form of identification even for an existing customer.

When can I expect to receive my original documents which I sent you?

Return of these documents may take up to 14 days. If you have not received them back 14 days from having sent them to us, please contact our Helpdesk number on 0845 3030 344.