DONATIONS PAUSED:Due to our processes of clothes sorting and storing being overwhelmed, we are pausing donations of all clothes and equipment apart from buggies at present. Please check back in a few weeks to see what we are accepting.
“‘Our collaboration with Bethany Williams London has been the most beautiful, generous and creative thing that we could have ever dreamt of. It has got the voice of our mums and minis in to places we would never dream of – the catwalks of London Fashion Week, the pages of Vogue, the Design Museum, and now the permanent collection of the Young V&A. Graphics were created in collaboration with artist Melissa Kitty Jarram in the depth of lockdown through zoom meetings where mums and minis drew each other. You can see their likenesses in the fabrics” – Jane Williams, CEO and Founder of The Magpie Project
This weekend the newly re-named Young V&A (previously the Museum of Childhood) opened its doors to the public, boasting refreshed collections and displays. The Young V&A is a free national museum located in Bethnal Green with displays, collections, and interactive spaces, co-designed with children and young people, that explore the creativity and experiences of children. This revamped Young V&A titles itself a ‘doing museum’ with sensory playscapes, imagination playground construction zone, performance and story stage and design studio for all ages to get stuck in and enjoy!
The Young V&A showcases 2,000 objects relating to art, design, and performance including two sets of mother and child outfits and lunchbox inspired handbag designed and created by Bethany Williams. Bethany Williams is a fashion designer, humanitarian and artist, creating cutting-edge fashion with ethnical manufacturing and social responsibility. She gives textiles a second chance through refashioning whilst working with social projects and communities to create her garments, as well as giving a percentage of her profits to charity.
For her ‘All Our Children’ Spring/Summer 2021 collection of outfits for mothers and children in collaboration with us at the Magpie Project, Bethany took inspiration from the V&A children’s archives, in particular the skeleton suit and a Boy’s first suit, some of the first garments designed for play. This inspiration is evident in her creation of a tailored skeleton suit and the flounced dresses and pantalettes shown below.
A predominant theme across the Young V&A, Bethany Williams and The Magpie Project is an emphasis on play, creativity, co-creation and design between children and adults. #Allourchildren are all our responsibility; and deserving of environments that foster safety, love, joy and creativity. We hope you visit the Young V&A and enjoy viewing and interacting with our collaboration with Bethany Williams.
This collection of illustrated stories captures intergenerational narratives and amplifies the voices of children. From it, Bethany Williams, London-based sustainable fashion designer, humanitarian and artist, has created her first large scale public art work.
The works are a continuation of Williams’ ongoing project with two East London grassroots organisations: The Magpie Project, a charity that supports families who are homeless or at risk of homelessness; and London College of Fashion’s Making for Change, a fashion training and manufacturing programme operating from two fully equipped sites, established in 2014 at HMP Downview with a sister site based at Poplar Works.
Titled ‘All Our Stories’, the illustrations have been generated through an ongoing series of collaborative storytelling workshops with the children and mothers from the Magie Project and Making for Change communities. For the visuals, Williams teamed up with illustrator and artist Melissa Kitty Jarram to transform these stories into a series of illustrations that in turn have been transposed into flags.
Each storytelling workshop culminated in a variety of creative outcomes, as each of the different communities interpreted the brief in their own way. The stories shared below recollect childhood memories in many forms; folklore tales shared from generation to generation, bedtime chronicles and fairytales whilst others contain childhood stories and nostalgic recollections of real life memories. Recognising community childhood stories and narratives – whether they have a strong written tradition or not is important in terms of assigning value and sharing power.
Bethany Williams is the second artist to take on this textile commission for Coal Drops Yard. A key and unusual feature of this project is that the decommissioning process is at the forefront of the considerations. This is only the first life of this fabric: once the installation comes down the material will be turned into two collections, one available to buy from Kiosk N1C in Coal Drops Yard and one in collaboration with one of Williams’ key retailers.
Proceeds from the sales will then be donated back to the Magpie Project and Making for Change.
The flags themselves are created from an organic Hemp Slub and which is 100% recyclable. The material choice references the age-old practice of flag-making, considers the future of Hemp’s role in the textile industry, and reflects Coal Drops Yard as a destination for fashion.
ALL OUR STORIES
Dino, a Magpie Project community story
A knight finds an egg and keeps the egg. The egg hatches and becomes a dinosaur. The knight has to save a princess who lives in a tower. The knight rides the dinosaur everywhere and it climbs a tree. He finds the princess but doesn’t know how to get up the tower. But, the dinosaur can burp ladders! And he can fly if he farts. To find the princess he has to burp and fart. Each fart and burp (and picking of his nose!) helps him to save the princess. The knight and the dinosaur managed to save the princess, who liked farting, burping and picking her nose too. So they all farted and burped and picked their noses together!
Chaos, a Magpie Project community story
A wealthy merchant moved into a new province and built a big palace with a beautiful door, heavily adorned with gems and stones. The King’s guards found the lavish door and told the King about it. At night, all the villagers went to see the door glistening in the dark. The King grew jealous and, afraid that the Queen might think the merchant’s door was better, he too put up a beautiful, bejeweled door. But no one came to see it. The King sent the guards to steal the merchant’s door. The guards stole the door with all its gems. And so the merchant made a new door better than the first one.
This happened a few more times. Then the King summoned the merchant. The King said “I am the King of this region and it is a disgrace to me that your door is more beautiful than mine”. The merchant said “I didn’t mean to hurt you. Where I come from we had riches but then lost them. We worked hard and rebuilt our homes. I decorate my door so that people who are too embarrassed to ask for help can just take the gems.” The King felt ashamed and decided to put out a bag of gems for people to take them whenever they needed.
The moral of this story is that when you give, you don’t have to tell the person that you have helped them.
The Sun and Wind story, Bethany William’s childhood story
Once the Wind and the Sun came to have a quarrel. Both of them claimed to be stronger. At last they agreed to have a trial of strength. “Here comes a traveller. Let us see who can strip him of his clock,” said the Sun. The Wind agreed and chose to have the first turn. He blew in the hardest possible way. As a result, the traveller wrapped his cloak even more tightly around him. Then it was the turn of the brightly shining Sun. At first he shone very gently. So, the traveller loosened his cloak from his neck. The Sun went on shining brighter and brighter. The traveller felt hot. Before long he took off his cloak and put it in his bag. The Wind had to accept his defeat.
The moral of this story is that gentleness and kind persuasion win, where force and bluster fail.
A flag with two tales – Monkey, a Magpie Project community story There was a cap seller in the village. One day he had sold lots of caps and was tired, so he sat under a tree. The tree was full of lots of monkeys who saw the seller sleeping. One monkey came down to take a cap from the seller’s bag and climbed back up the tree. The seller woke up and was shocked to see the bag was empty. “Hey monkey, give me my cap back!” Then he thought of an idea to get them back. He took off his own cap and threw it up. The monkey copied. The seller threw it on the ground. The monkey copied. The seller picked all the caps and put them in his bag!
Tiger, a Magpie Project community story There once was a girl who, as she sat on the hillside watching the village cows, was bored. To amuse herself she took a great breath and sang out, “Tiger! Tiger! The Tiger is chasing the cow!” The villagers came running to help the girl drive the tiger away. But when they arrived, they found no tiger. The girl laughed at the sight of their angry faces. “Don’t cry ‘Tiger’, girl,” said the villagers, “when there’s no tiger!” They went grumbling back to the village. Later, the girl sang out again, “Tiger! Tiger! The Tiger is chasing the cows!” To her naughty delight, she watched the villagers run to help her drive the Tiger away. When the villagers saw no tiger they sternly said, “Save your frightened song for when there is really something wrong! Don’t cry ‘Tiger’ when there is NO tiger!” But the girl just grinned and watched them go grumbling back to the village.
Later, she saw a REAL tiger prowling about the cows. Alarmed, she leapt to her feet and sang out as loudly as he could, “Tiger! Tiger!” But the villagers thought she was trying to fool them again, and so they didn’t come. At sunset, everyone wondered why the girl hadn’t returned to the village with their cows. They went up the field to find the girl. They found her weeping. “There really was a Tiger here! The cows have scattered! I cried out, “Tiger!” Why didn’t you come?” An old woman tried to comfort the girl as they walked back to the village. “Nobody believes a liar… even when she is telling the truth.
Saturday 12th of June at 12pm sustainable fashion designer, humanitarian and artist, Bethany Williams, launched her latest collection, All Our Stories.
“She still wears stories passed down to her by her mother. Words that no longer fit the same way because life has stretched and changed its shape, but the moral of the story remains. Like the smile on her face. Her joy is new, even though the ending is not. She has not forgotten the promise she made, never to waste these old, tattered tales but to tell them to her children – again and again. To get to the end and watch them smile. They are their stories now. They are All Our Stories.” – Eno Mfon, Spoken Word Poet
All Our Stories is inspired by Bethany’s continued work with East London grassroots organisation, The Magpie Project, a charity that supports women and children under five who are homeless or at risk of homelessness. The Magpie project works to make sure that a spell in insecure or temporary accommodation does not result in permanent damage to the life chances of the children who experience it.
Artist Melissa Kitty Jarram – inspired by the folklore passed from generation to generation and childhood stories that continue to inform us in our adult lives – ran a storytelling workshops with the Magpie families and illustrated the magical narratives they shared. She then used waste book covers in her illustrations to tell a new story.
The collection focuses on five main storylines shared by the families of the Magpie Project, “AOS”, “Blessing”, “Dinosaurs” and “The Girl Who Cried Tiger”, as well as Bethany’s own, “The Sun and The Wind” childhood story.
“What we noticed through the story-telling workshops, was that the moral in each story always came back to kindness, care, and respect for one another and how these traits, whilst important in childhood, have just as much meaning in adult life.” Bethany Williams
Working closely with Jane Williams, the founder of the Magpie Project, Bethany Williams will continue the theme of the collection in a commitment to running creative workshops with the Magpie Projectcommunity that will capture, share and amplify their myriad stories. It is the collective’s belief that disseminating these stories empowers and encourages community togetherness and voice at many levels.
The silhouettes of the collection are inspired by the V&A Museum of Childhood garment archive. This collection sees Bethany’s first detailed exploration into tailoring with a suit inspired by a historical children’s skeleton suit from the 1800’s. The skeleton suit was the first children’s garment designed for play. The new shapes stand alongside our existing forms representing our continued development. The collection also features two corsets created with Welsh designer Rosie Evans using offcuts from the collection production. In these corsets, Rosie has replaced traditional boning with a material made out of fruit packaging waste.
At a time when the V&A Museum of Childhood has fully decanted for refurbishment, All Our Stories has filled the empty space with new stories and community faces for our campaign imagery.
As with all her work, the collection is created via Bethany’s social manufacturing partners who are built into the framework of social enterprise. Bethany continues to work with community driven, UK based social manufacturing partner, Making for Change Poplar Works. For the first time, Williams is using donations of Merino Wool deadstock from Lanificio Ermenegildo Zegna, which has been printed with eco-friendly inks via Orto Print in Peckham.
Through the collaboration with Mending For Good, knitwear has been a key area of development for this collection where Williams proudly introduces a new social manufacturing partnership called Manusa. Manusa is, a social cooperative that involves people from various backgrounds, specializing in hand-techniques including delicate crochet, embroidery and hand-knitting. Designed in collaboration with Alice Morell Evans, the knitwear uses Sesia Wool industry waste sample swatches, crocheted together with Seisia organic bio wool. Each year, the sample swatches created each season become surplus at the end of each cycle of production. To utilise this waste, Bethany and Founder of Mending For Good, Barbara Guarducci, developed a sorting technique with Sesia for their team to separate the swatches.
Barbara Guarducci said “Mending for Good was born to provide design-driven technical solutions for the excess stock and left-overs of the fashion industry. Everyday tons of so far “considered” waste are still produced, that is why we love to collaborate with visionary designers such as Bethany Williams that sees waste as the raw material from which a beautiful story can start.”
The book cover waste, provided by Hachette, is used for Bethany’s iconic Book Bags, and integrated into the collection garments through their woven textile collaboration with San Patrignano, an education and rehabilitation programme that teaches traditional Italian craft and a sense of community.
Six looks from All Our Stories make up Bethany Williams’ submission for the 2021 International Woolmark Prize finals.
20% of the profits from this collection will be donated to The Magpie Project via The Bethany Williams Benevolent Fund, a fund set up by The Magpie Project and Bethany Williams in 2020.
Read what British Vogue has to say about the latest Bethany Williams Collection here
Bethany Williams has not been idle during lockdown she formed a collective of designers and makers to keep hospitals supplied with scrubs during the height of the crisis.
Find a photograph of yourself as a child, or a member of your chosen family, wearing a beloved outfit. Or get hold of a photo of the clothes you love dressing your own child in.
Attach it to an email and send it to: info@bethany-williams.com.
In the body of the email answer the following.
Describe the details your of this outfit. What material is is made of? Who bought or made it for you? What date/year is the photo from?
4. Would you be happy for us to use this image publicly Yes/No
If No, we will keep your photograph private in our research collection only to assist with the design and development process.
A celebration
Bethany will be staging her show in September and would like to know, too, whether you have an specific food memories from childhood. A dish that your carer or parent used to make.
If so share that with us too, so that we can see if we can cater to all our memories in the show celebration.
Be part of something incredible, dig out those photos today…..
We were over the moon to be asked by the prestigious and prize-winning menswear designer Bethany Williams to collaborate on her latest Autumn Winter collection.
Bethany Williams is not a fashion designer, she is a trailblazer paving the way for a more compassionate, more inclusive future. She uses her immense talent to selflessly leverage her brand and partnerships in the service to our community’s most vulnerable and marginalised members. When we were introduced to the idea of collaborating with Bethany by our UCL PhD student and researcher Diana Margot Rosenthal in early 2019, we must admit we did not know what to expect.
Being a coal-face, crisis-to-crisis, grass roots organisation created to make sure that a spell in temporary accommodation does not cause permanent damage to children who experience it. We have supported over 400 mothers and 500 children in the past two years. Women and children who have become invisible to an unaware or uncaring society. At first glance, our world of living on £34 a week, and of infested and unfit accommodation seemed a million miles away from menswear.
In Britain a child becomes homeless in every eight minutes. That means currently 135,000 children in Britain are homeless. In some London Boroughs this figure rises to 1 in 12 children (Shelter England. 2019).
She brought collaborators and sponsors with her. Through multiple visits, Bethany brought Melissa Kitty Jarram, a South East London based illustrator and artist, to hear the otherwise untold truths of mums and their small children forced to live in temporary and unfit accommodation, unable to work, or study, or move, because they have been deemed to have “no recourse to public funds”. The artwork collaboration for this season has been created from a visit to our ‘Rhyme and Song’ session where Melissa illustrated the bond between mother and child.
*NRPF is a condition imposed due to a person’s immigration status, and prohibits seeking public funds such as welfare benefits and housing provided via the local authority, which is subject to discretion and a case-by-case basis of “intentional homelessness.” (Children’s Commissioner Report, 2019)
It is extraordinary that someone so young, so humble, and so unassuming as Bethany has single-handedly created a space that allows for the most unlikely bedfellows – high fashion and grass roots community projects – to come together and collaborate to create change. With her clarity of purpose, her clean, fresh, uncomplicated approach with, her simple and steadfast values, mean that her agenda is clear and those with power have been compelled to buy into.
The Magpie Project’s homeless are our children and not somebody else’s problem. they are our children, they are our future (adults). Everything we do, every decision we make, can create a future in which every one of them, and us, can thrive – together. This is not fashion, this is a blueprint for a better future – happening now.
Through spending real time with us, Bethany ensured that – from materials to models, communications to collaborators – every decision she makes is run through her own ethical framework and interlinking with the nurturing bond between mother and child.
This collection celebrates Mother hood, childhood, sisterhood, and the family we choose, highlighting the importance of this powerful bond. This show is dedicated to giving a community that is marginalised and silenced on a daily basis, a platform and voice to share their story.
Design inspiration for this journey surrounds elements of nurturing, comfort and shelter. These blocks were imperative areas of focus during the research and development process. From working closely with the children of Magpie, garment construction and craft techniques from children’s clothing has shaped this collection. The Women’s Institute community work closely with Magpie, and create a personal blanket for every baby born into the Magpie family. This inspiring act has lead to the use of recycled bedding and techniques such as quilting and patch working as common threads throughout this collection.
These garments have been created alongside loyal and continuous social projects, suppliers, crafts-people and manufacturers from the production of previous collections. The knitwear for this collection has been hand knitted by Alice Evans and Bethany’s mother Karen Kewley using Wool and the Gang yarns. This season, a new Wool and the Gang x Magpie Project sock pattern has been designed and developed, which will be available for free on the Wool and the Gang website from tomorrow in two sizes so that anyone has access to download and knit socks to be donated to the Magpie mothers and children. Socks are one of the most un-donated clothing items and are in the most demand in the homeless community.
This show is proudly in partnership with Adidas Originals once again for the seasonal show at LFWM, as part of their on going support for Bethany who this year was named the best emerging menswear talents at The Fashion Awards. Both Adidas Originals and Bethany share similar values with a passion for design, sustainability and looking to the icons of the past to create the future.
For this seasons collaborationcelebrates the anniversary of the iconic adidas Superstar, which will be on foot at her show at LFWM. A select few of the shoes worn have been made in collaboration with the talented Helen Kirkum, up cycled using Superstars donated through the new Adidas Infinite play Initiative.
All of the detail about the infinite play initiative can be found here:
Proof of address is something that proves where you live. It’s generally a document from a trusted source that has recently been sent to your home address.
Government-issued letters
Council tax
Benefits statements
HM Revenue & Customs (HMRC)
Department for Works & Pensions (DWP)
Marriage or civil partnership certificate
Company-issued letters
Utility bills
Insurance certificates
Tenancy agreement
TV licence
Bank statements
Proof of address documents can be split into two types:
Government-issued letters
Company-issued letters
Remember to always use printed bills and statements which are not older than 3 months
“Proof of address is very challenging, especially when you’ve just got status. You’re probably not in accommodation yet so haven’t had any bills or anything. You might have to wait for a bill. One bank accepted a housing letter but not all banks would accept that.”
“Try and find your old letters. You never know when you will need them. Don’t throw away important papers (anything that can
prove who you are and what you’ve been up to) and keep them somewhere. I needed proof of address for the past 5 years. Imagine if I was th
rowing things away. Keep letters for hospital appointments and from school etc.”
Magpie Mums say:
Proof of identity
Proof of identity is something that proves who you are. It will most likely be an official document with your full name, date of birth and a photo.
Examples of proof of identity:
Biometric residence permit (BRP)
Once you receive legal permission to stay in the UK, you will usually get a BRP. Your BRP includes your name, your date and place of birth, your fingerprints, a photo of you, your immigration status and information about your access to public funds.
If you lose your BRP or it gets stolen, you must report it and apply for a replacement within 3 months. If you don’t do this, you could be fined up to £1,000 and made to leave the UK.
Passport:
You can use a valid passport as proof of identity. If your passport has expired and you want to renew it, your country’s consulate should be able to assist you.
Provisional driving licence (PDL):
You may be able to use a PDL as a proof of identity or address. You can apply for a PDL online which costs £34. After a successful application, you will get your provisional license and your identity documents posted back to you separately. Find out more here.
Magpie Mums Say: “Make sure you confirm your universal credit first, before you send your ID for your provisional license, because it takes a few weeks for them to send it back.”
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Which bills are more important
If you have more than one debt you need to pay, the order in which you pay off the debts is important. Paying your bills and debts in the right order can help you save money and avoid legal trouble. Paying your bills and debts in the right order can help you save money and avoid legal trouble. Money Advice Service suggests that you classify your debts as follows:
When paying off non-priority debts, try to target the most expensive debt first. This will help you save money in the long term:
Pay the debt with the highest interest rate shown on your monthly statement or loan agreement first.
Check that you won’t be charged any penalty or default charges for overpaying.
Pay as much as you can afford without breaking the terms of other credit agreements you have.
Once you’ve paid your most expensive debt, move on to paying off your next most expensive one.
“The whole process looked a bit daunting to me, but just talk to professionals and follow the steps given in this booklet and you’ll be fine.”
“With patience, you will achieve whatever you want to. You’ve got to be strong and patient and keep pushing”
“It’s advisable to get a receipt booklet. You can never tell when you will need to prove something. Make sure you have a receipt if you pay someone to do something”
Magpie mums say:
Applying for Benefits
Once you have opened an online account, you can now apply for benefits. The main benefit to apply for is usually universal credit. You can apply for it here.
The application can take time to complete and you will be asked to provide several documents. These include:
Proof of identity
Proof of address
Evidence of dependent children
Bank account details
Evidence of housing costs
If you can’t provide any of these needed for your claim, you must book an appointment with an adviser to discuss this. You may be asked to provide other types of evidence instead. You can check which benefits you are entitled to, how much you can expect to receive, and how to get them using this website.
Magpie Mums Say:
“I was with another charity project, and they helped me apply for universal credit and housing benefit. It was difficult when I was alone, but if you get help it’s not difficult.”
Staying safe online
You might be worried about the safety of online banking, but banks have worked hard to make sure that your money is safe. Here are some tips for staying safe when banking online:
Use unique passwords and PINs that only you know – do not share these, your bank will never ask you to.
Use secure Wi-Fi networks to bank online, not public WiFi
Always double-check who you are sending money to. You must be sure that you are sending money to the right person for the right reason.
Contact your bank immediately if you spot a transaction on your account that you did not make.
Identifying and avoiding scams:
Scammers are clever and can target anyone. Here are 5 warning signs to look out for:
Does it seem too good to e true?
Are you pressured to pay quickly or unusually, or transfer fees up front?
Are there errors or typos that look suspicious?
Contacted out of the blue by someone you don’t know?
Asked for personal information?
Sometimes it is difficult to tell if something is a scam or not. If you are concerned, it is best to be careful and take the time to check. Many banks’ websites will also have advice on the latest scams and how to avoid them.
Received a text you think is a scam? Forward it to 7726 for free to report it. You can also report suspicious emails with your email provider and block the sender.
Never click links in suspicious messages or reply. Never share any personal details.
There are several banks in Westfield Stratford City shopping centre near to the Magpie Project’s base. You can see the full list of banks here. To see what types of accounts are on offer you will have to check the bank’s website. Look for either basic or current accounts. Remember you should not have to pay to have an account.
It is recommended by most banks that you go into a branch if you are a refugee or asylum seeker and want to open a bank account. In person they may be able to accept alternative forms of ID/proof of address if you don’t have the standard ones.
Table:
Bank Examples
Forms of Identity Needed
Metro Bank
Asylum seekers can apply for a cash account and/or savings account. This requires an Application Registration Card (ARC), proof of address and confirmation of asylum seekers support allowance or other income.
Lloyds
You can apply for a Classic Current account with a BRP, ARC or a Home Office Immigration Status document. Refugees and asylum seekers can apply for a ‘Classic current account’. This includes an arranged overdraft. Fees are charged if you go into your overdraft.
Nationwide
You can get a ‘FlexBasic account’ (basic bank account) and an ‘Instant Access saver’ (basic savings account). They accept BRP, ARC and Home Office Immigration Status document.
HSBC
You cannot open a bank account if you are from outside the EU. They accept BRP but NOT ARC. They accept BRP but NOT ARC.
Monzo
Refugees can open a current account with a BRP and their UK address. However, Monzo do not accept ARC. You can get your benefits or salary (depending on your employer) paid into your Monzo account 1 day earlier.
Overview of bank fees/charges:
You should not be charged to open an account or send or receive money.
With a Current account if you have an overdraft then you will be charged interest on the amount you go over and you will have to pay this back.
Some banks may charge you for a replacement if you lose your bank card.
Fees will be charged if you send money outside the UK. You may also be charged for sending money in a foreign currency . • You can withdraw cash for free from most cash machines.
Red Textbox:
You can use Money Helper to compare fees and charges for all banks. First click ‘Start to compare current accounts’ then click on the ‘filter’ button. Filter it to just ‘Standard current accounts’ and ‘Fee-free basic bank accounts’. You can also search the charges and fees for your specific bank provider on their website.
Current Accounts
Current Accounts
Current accounts are the most common bank accounts in the UK. Nearly all banks will offer a free current account, depending on your credit score. Current bank accounts allow you to:
Pay money into the account either personally or from wages/benefits.
Withdraw money from the account at an ATM with a card.
Set up online payments such as direct debits and standing orders.
Complete in-store payments with a debit card.
Apply for an overdraft (depending on credit score).
Apply for a credit card (depending on credit score).
It’s important to make sure you are not paying for features that you do not
need.
If, for some reason, you are not allowed to open a current account because of
your financial position, then you should still be able to open a basic bank
account. You will need to check to see which banks offer one.
A basic bank account is a current account that does not let you have an
overdraft. This protects you from accidently getting extra bank charges.
Types of Bank accounts
Current Accounts allow you to:
Pay money into the account either personally or from wages/benefits.
Withdraw money at a cash machine
Set up online payments such as direct debits and standing orders.
Complete in-store payments with a debit card.
Apply for an overdraft or credit card (depending on credit score).
If you are not allowed to open a current account because of your financial position, then you should still be able to open a basic bank account. You will need to check to see which banks offer one.
Basic Bank Accounts allow you to:
Deposit money
Withdraw money
Transfer money
However, you cannot:
Go into an overdraft (go below 0)
Access credit e.g. a loan or credit card
Write cheques
Some basic bank accounts may not let you set up direct debits
Basic Savings Account allows you to:
Put your money aside in a separate account that earns interest
It is also easily accessible, so you take money out whenever you want.
Paying your bills with online banking
What is online banking?
Online banking means accessing and managing your bank account through the internet on your smartphone, tablet or computer. Many banks have free mobile-banking apps which make it quick and easy to manage your money without needing to call or visit your bank. With most banks, you can use online banking to:
Check how much money is in your account
Check the recent payments into and out of your account
Send money to other accounts and pay bills
Check your monthly statements
Set up and manage direct debits and standing orders
Send and receive messages from your bank
Some banks have extra features. For example, show your pending transactions
(payments that you have made but haven’t been taken from your account yet)
and what your balance will be once these payments are complete. Sometimes,
you can also set up notifications on your phone to tell you when payments
have been made into or out of your account.
You can access monthly statements online or receive a copy through the post.
It is useful to have paper copies of your statements to be used as proof of
address.
Making payments
Online banking lets you transfer money between accounts almost immediately. You can also send money to family and friends, or to companies when you need to pay bills.
You can make regular payments through direct debits and standing orders:
Direct debits let a company take money from your account on a certain date. It is useful when paying regular bills.
Standing orders tell your bank to send an exact amount of money from your account to another on a regular basis.
You need to make sure there is enough money in your account when these payments are taken or else you could be charged extra by your bank.
Saves Time
Make sure there is enough money in your account when the direct debit or standing order will be taken. If there is not enough money, you could be charged extra by the bank.
You don’t need to remember to pay a bill
You must remember to cancel standing orders when you want to stop paying someone regularly.
You will get money back for any incorrect payments for direct debits only.
Sometimes you might think you are setting up a direct debit, but it is actually a recurring payment or continuous payment authority (CPA). Be careful if companies ask for the long number on your card instead of your sort code and account number. This will mean they can take money whenever they think they are owed.
You can cancel a direct debit or a standing order at any time through your online banking account or by contacting your bank.
Magpie Mums say:
“Always use direct debits if you can, so you don’t forget to pay and are charged. If you can’t use direct debits, make sure you put the dates when you’re supposed to make payments in your phone calendar.”
“I’m used to it. It’s easy on the phone. I try to avoid going to banks.”
Open an Account
Before setting up an account anywhere, you should check that the account provider is regulated by the FCA. To do this click the link here and search for the provider on the Financial Services Register. We also recommend checking if the provider is covered by the FSCS (Financial Services Compensation Scheme). To check if your provider is covered, click here.
The FSCS protects your money up to a certain amount if the bank fails.
There are different ways you can open a bank account. For banks with a local branch, you can book an appointment. Other banks will let you open an account online. Whichever way you choose, there are some documents you must have available:
Proof of identity
Proof of address
There are some examples of what you can use for . Try to have as many examples of these documents as you can. You will not be allowed to use the same item for both proof of identity and address, so be prepared for this. Do not let anyone else use your accounts.
Bank accounts:
Current accounts
Basic Bank Accounts
Basic Savings Accounts
Where to bank
It’s useful to spend some time choosing which bank you want to open an account with. Things to consider when choosing your bank are:
Is there a local branch near you?
What accounts do they offer?
What protections do they provide?
Does the bank offer the option for paper statements if you need them?
It’s important to make sure you are not paying for features that you do not need. You should not have to pay to have an account.
This is why Magpie Mums say having a bank account is important:
“When I first applied, I couldn’t get paid universal credit until I provided a bank account.”
“For receiving universal credit and if you find a job, you need an account for your salary to go through.”
Timeline
“In my experience, the first thing was to open an
online account. Some online banks will take a
biometric card. When you download the app, you
immediately get your account number and sort code,
so you can apply for universal credit. Then, I applied
for a provisional license. You have to be careful when
you apply to both of these. Make sure you confirm
your universal credit first, before you send your ID
for your provisional license, because it takes a few
weeks for them to send it back and you won’t get
paid until you send your ID to universal credit”
Magpie Mums
List of Definitions
There are a few common terms that you will see a lot. Here is a list of some of the most important terms and what they mean
Account number
A 10-12 digit number given to your bank account. You can find your account number on your online banking page or on bank statements.
Card Number
A 16-digit number with that is found on the front of your debit/credit card.
Credit Card
A credit card doesn’t spend your money. It spends the bank’s money and you must pay it back. This means you can spend more than is in your account, but you might be charged extra for doing this, especially if you are late paying the bank.
Credit Score
A number that records how likely you are to repay your debts. High credit scores are better as it means financial products such as overdrafts and credit cards cost less.
Debit Card
A debit card is a card that lets you take out money from ATMs and make payments in stores or online from your account.
Financial Service Compensation Scheme (FSCS)
An organisation set up to protect the money you put in bank accounts. If you have a current or basic account, the FSCS will pay you up to £85,000 if your bank goes bankrupt.
National Insurance Number (NI)
The number makes sure that the National Insurance contributions and tax you pay are properly recorded on your account. It also acts as a reference number for the whole social security system.
Overdraft
An amount of money you can spend even when you have no money in your account. It is like a small loan from your bank. Overdrafts are often not free, so you need to be very aware what the costs are before using one.
Personal Identification Number (PIN)
A PIN is a 4-digit number that is given to you with a debit card. This is used when taking out money from ATMs or when making in-store purchases with your card. Never share your PIN with anyone as it could be used to commit fraud.
Security Code
A 3-4 digit number found on the back of your debit/credit card in the signature section. This number will be required for nearly all online payments. The code provides an extra layer of security to safeguard you from fraud.
Sort Code
A 6-digit number that is used to identify your bank. You can find your sort code on your online banking platform, on bank statements or on your debit card.
Standing Order
When a fixed amount that you choose is paid from your account to another person or organisation. This is different from the direct debit as the amount that is paid is the same each time.
How to read electricity meters
At some point, your energy provider will ask for electricity meter records. If they do not have this, they will estimate your usage and you may not be charged the correct amount. Here is a useful guide for how to read your energy meter.
“With patience, you will achieve whatever you want to. You’ve got to be strong and patient and keep pushing.”
“The whole process looked a bit daunting to me, but just talk to professionals and follow the steps given in this booklet and you’ll be fine.”
Magpie mums say:
Finding the cheapest provider
The best way to save money on energy bills is to switch providers, or search for the cheapest deal available. This website lets you compare energy providers. If you are struggling to pay your energy bills, you can apply for help through the British gas and energy trust. You can find information on saving money on phone and Wi-Fi (broadband) bills here.
Making Payments
Online banking lets you transfer money between accounts almost immediately. You can send money to another account in your name, to family and friends, or to companies when you need to pay bills. Direct debits and standing orders are useful ways to manage your payments and make sure that your bills are paid on time.
A direct debit lets a company take money from your account on a certain date. This is useful when you need to pay regular bills, such as for water, gas or electricity. The company will take the amount of money that you owe, but it will tell you in advance how much they will take and when. You should contact the company that you want to pay to set up a direct debit. You will need your bank account details to fill out a form in person,
online or over the phone.
A standing order tells your bank to send an exact amount of money from your account to another account on a regular basis. Standing orders can also be useful for making regular payments to other accounts, such as to pay rent to your landlord. You are in full control of how much will be paid, when and how long for. To set up a standing order, you will need to fill out a form through your online bank account or over the phone with your bank. You will need the name, sort code and account number of the person you want to send money to.
Saves time – you don’t need toremember to pay a bill.
You need to make sure there is
enough money in your account when
the direct debit or standing order will
be taken. If there is not enough
money, you could be charged extra by the bank.
You will get money back for anyincorrect payments for direct debitsonly.
You must remember to cancel
standing orders when you want to
stop paying someone regularly.
You can cancel a direct debit or astanding order at any time throughyour online banking account or bycontacting your bank.
Sometimes you might think you are
setting up a direct debit, but it is
actually a recurring payment or
continuous payment authority (CPA).
Be careful if companies ask for the
long number on your card instead of
your sort code and account number.
This will mean they can take money
whenever they think they are owed.
“Always use direct debits if you can, so you don’t forget to pay and are charged. If you can’t use direct debits, make sure you put the dates when you’re supposed to make payments in your phone calendar.”
Magpie Mums say:
