Hi. Does BT run a credit check when ordering broadband and landline? I don’t have a bank account yet and I also wanted to know if BT will sell me broadband and landline without a bank account? I can pay my bill at the post office. I don’t know if I’ll pass the credit check but I’ve looked online and I’ve not seen any instances of people being declined BT broadband
As far as I'm aware, your credit check will either be a pass with no restrictions or you'll have to pay a security deposit and pay by direct debit. I don't think there's any outright rejections but they may not be able to offer you a contract if you don't have a bank account.
Ok thank you
I would have thought BT was way down the list of difficulties of living without a bank account. Getting paid and engaging with DWP and HMRC must be tricky. Old people (I am one) often have trouble doing quite ordinary things without a credit card or bank account.
I’m on universal credit and my mother gets it paid into her bank account. I don’t have the necessary ID to open a bank account so struggling to get one.
How can I pay my BT Home Essentials bill?
You can pay your BT Bill by:
The person paying, does not have to be the account holder.
An initial security deposit may be needed, but once a number of bills have been paid, this is normally refunded.
Hi thanks for your response. Upon further reading it looks as if BT want my national insurance number which I wouldn’t feel comfortable giving out to BT.
If you want the home essentials you'll have to give your NI number, don't worry though it'll just be used to run the checks with the DWP & nothing else
Ah ok thanks, I’ll have a look into it 🙂
To answer your questions :
Q -Is a credit check done ?
A - Yes, a hard search is performed, depending on the result you might be asked to pay a deposit before services are ordered or be restricted on what you can order, for example broadband might be available but not BT TV or BT Mobile
Q - Do I need a bank account ?
A - No, you can pay manually but there is a +£2 fee for non-direct debit payments
Q - Can I apply for Home Essentials ?
A - The BT account holder (not a household member) must be in receipt of qualifying benefits listed Here