Have you been Refused a Basic Bank Account because of your bad credit rating?

Apply here for a new account that provides the functionality of a high street account and available for those with Bad Credit.

Opening a new bank account could prove to be very difficult if you have a bad credit rating and would be significantly harder if you are then refused by one of the high street banks, as this will show on your credit file and flag up to any others that you have already been declined.

If this is the case your options may be limited in what account you can open and with whom, however we can provide a bank account which offers no credit facilities, meaning that during the opening process there will be no need for a credit check, ensuring any past credit problems you may have had will not have an effect on your application.

Refused a Basic Bank Account? - Apply online here

Basic Bank Accounts are ideal if you have been refused for a normal high street account and often they allow you to start using the account immediately as only proof of Identity is required, which in over 80% of the applicants who apply online are automatically accepted.

So if you have been refused an account and need to open one quickly, then these accounts could be your answer and for those who are automatically accepted, you will receive your new sort code and account number straight away, meaning you can begin using it almost immediately.

If, however, you are not automatically accepted, then by simply sending in a copy of your ID will normally complete the process (ID accepted includes a copy of a passport or driving license plus a recent utility bill for proof of address)

refused a Basic Bank Account, bank accounts, basic accounts with no credit checks and guaranteed to be accepted
  • Guaranteed Acceptance, No Credit Checks
  • Internet Banking, Standing Orders
  • FREE TO OPEN with No Contracts
  • Bankrupts, Adverse Credit welcome
refused a Basic Bank Account, open a bank account with guaranteed acceptance


Even after making your application, there is NO OBLIGATION to proceed and as there are no contracts, you can simply close the account at anytime with NO PENALTY

What should you be searching for in a Basic Bank Account?

Although the word 'Basic' is generally used, these accounts are far from basic and regularly offer all the features of a conventional high street account but without any credit facilities, meaning you will NEVER go overdrawn or be charged for doing so - You can only ever spend what is in your account.

So although being called a basic account you will still be able to pay in and withdraw at a high street bank, have a debit card, arrange direct debits or standing orders, talk to a UK Customer Care representative if you need to and have Internet access to your account.

Helping you open a Basic UK Bank Account when you have been refused

We have teamed up with the main providers of these accounts who offer all these facilities and more - so Click here to Apply for a Basic Bank Account if you have been refused for a high street account.

NO OBLIGATION - if you generally prefer to speak to an consultant and establish if a managed basic bank account will be suitable for your requirements, please complete the small form beneath and an adviser will phone you back at a suitable time or alternatively call 020 3286 3929 - you are under No Obligation to carry on and yet if you do proceed, there are no contracts so you could move away at any time.

refused a Basic Bank Account and basic accounts for those applying to open a basic bank account
  • Guaranteed Acceptance, No Credit Checks
  • Internet Banking, Standing Orders
  • FREE TO OPEN with No Contracts
  • Bankrupts, Adverse Credit welcome
refused a Basic Bank Account and basic bank accounts to open for those who want a basic bank account in the UK

Apply online here or call 020 3286 3928

refused a Basic Bank Account, open a new account for those who want a basic bank account refused a Basic Bank Account and bank account for those who need to open for a basic bank account


Need a business bank account, then there are options currently available even if you have been declined elsewhere:

Guaranteed High Street Business Bank Accounts - Call 0845 474 2917
Set-up fee - £225.00 + VAT

Basic bank accounts are suitable for those who have had a bad credit rating, an adverse credit rating or who have been refused a bank account or declined for a bank account application. If you have been declined a bank account or been refused a bank account recently we would suggest to apply for one of these bank accounts, however if you consider yourself to have a good credit rating, then we would suggest to apply first to one of the High Street bank account providers here then if you get refused or declined with that bank account application, apply for a managed bank account.

Business Bank Accounts
Need a new Business Bank Account but got a bad credit file or are/have been bankrupt? Call our Business Bank Account specialist now on 0845 269 7289

We value your feedback on the service provided by Bank Accounts Compared and the companies we introduce to you, so please take the time to send us your feedback.