It’s what you are applying for which is the problem.
You need to apply for a “basic bank account”.
In this day and age, it is essential to have a bank account and that’s why the banks are not allowed to decline a basic account
the relevant legislation is the European Payments Accounts Regulations 2015.
Whoever you have been speaking to probably doesn’t know the law.
The 4 banks who offer the facility and here is the CIFAS webpage on exactly this subject: https://www.cifas.org.uk/services/payment-accounts-database
if you get turned down by anyone of those then make a complaint to the Financial Ombudsman service:
There is a process that you need to go through although you can phone them, you will need to put everything in writing
I am glad to help.
Hopefully, I have answered your query in a way that is simple and easy to understand.
I would be more than happy to clarify anything else for you. In the meantime, thank you once again for using our services.
I am happy to answer any specific points arising from this.
Please be aware that my answer is based strictly upon the information you have given me.
If you still need any points clarifying, I will be happy to reply because the thread does not close. In fact, it remains open indefinitely.
I am always happy to answer any further questions you have on any new thread in which case, please start your question with, “ For FES only”.
That only applies to new threads, not this one. You have me exclusively on this one.