Where a single name causes trouble
- Forms and websites. Many insist on a first name and a surname and won’t let you leave either blank.
- Banks. Banks check your name against your ID, so a passport showing XXX invites questions. See changing your name with your bank.
- Work and tax. HMRC tells employers to record your first full forename on payroll, so a payroll system will want something in that box. HMRC: RTI data item guide
- Every new account. Energy suppliers, insurers, the GP and the council will each need to know how to handle your name.
None of that stops you. It just means a single name on paper is something you’ll explain for life, which is why most people choose two.