Do you do a credit check when I apply for an account?


The credit checks we do to open an account are ‘soft’ credit checks and we use information to inform our decision to open an account and to determine if we can offer you an overdraft. A soft credit check means a request for information from credit bureaus is performed and the information held made available to us so we can responsibly decide to open an account or offer credit or not. You might see that this check has been run if you check your own credit file, but it is not visible to other financial services companies who might be doing the same checks.

If yours is opened and you are offered an overdraft we then run a hard credit check which will appear on your credit history and will be visible to other financial services checking the credit bureaus.

Credit checks on new applicants