Basic UK Bank Accounts:
Ideal for anyone who has been declined.

Opening a bank account with anything other than a perfect credit rating could be a problem with often only a Basic Bank Account being the only option available to you.

Basic UK bank accounts can vary in what they offer, as some accounts will only allow you to pay in and withdraw at your local branch where as there are now more options for opening a UK basic bank account with the rise of more independent providers outside of the usual high street providers.

These accounts are offered with No credit Checks meaning your application can almost certainly be guaranteed (assuming you have sufficient ID) and you will receive all the 'normal' account features like a debit card, Internet banking, standing orders and the use of a high street branch network.

Apply Online Here for a Basic UK Bank Account

As there are no credit checks, Basic bank accounts in the UK are also available for those with a severe credit problem, like those who are or have been bankrupt or in an IVA.

The process of opening one of these basic accounts could not be easier as the main factor is identifying the individual, which over 80% of those who apply are automatically accepted. For those who cannot be automatically identified then the process requires a copy of a driving license or passport along with a current utility bill (or similar) to be sent in.

Once opened, you will receive your new sort code and account number, meaning you can start using your account almost immediately, so getting your wages or salary paid in is very easy!

What should you be looking for in a Basic UK Bank Accounts?

Whilst they use the word 'Basic' these accounts are widely regarded as perfect solution for those who cannot open a regular account with one of the high street banks.

For those who have been declined and feel they have very few options, these accounts will allow you to have money paid directly in and help to manage your money by putting any regular payment commitments to one side and then only allowing you to spend what you have remaining, so no more overdraft bills or penalty payments for creeping over your limit without a prior agreement - the two main things which can cost you a considerable amount over the course of the year if you that on a regular basis.

Got a Question that needs answering? Email Us here...

How can we help you open a Basic UK Bank Account?

There are various options available, however we have teamed up with two providers whom we consider to offer the best available basic bank account which includes all the necessary features required - Click here to Apply for a UK Basic Bank Account or complete the Application Form below.

PLEASE NOTE: You are under NO OBLIGATION at any time to complete the application process even after completing our form and there are no contracts, so if you proceed, you can CANCEL AT ANY TIME with no penalty.

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

Apply online here for Basic UK Bank Accounts

Basic UK Bank Accounts and bank account for those who want to open a UK basic bank account Basic UK Bank Accounts and basic bank accounts UK residents


Need a business bank account, then there are options currently available even if you have been declined elsewhere: Call 0845 474 2917