If we’ve been unable to offer you a current account, it means you’ve not met our eligibility criteria.

When you apply for a current account with us, we use the information you provide us as well as the information from credit reference agencies and fraud prevention services. We use this information to assess your application and make a decision on whether we can offer you an account or not.

You may find it useful to check what information these services hold about you. For more information around everyday money matters, the MoneyHelper website may also be useful to you.

Credit reference agency. 

We use TransUnion, which is one of the largest credit reference agencies in the UK. They hold information about your credit history and share this with specific partners. You can read more about the information they hold by visiting the TransUnion Privacy Centre.

To contact them directly, visit the Contact Us section of the TransUnion website.

Fraud prevention services. 

We use CIFAS, which is the UK’s leading fraud prevention service. They manage the largest database of fraudulent conduct in the country and share this with CIFAS members for the purpose of detecting and preventing fraud. You can read more about the information they hold by reading the CIFAS Fair Processing Notice.

To contact them directly, visit the Contact Us section of the CIFAS website.