Open a Basic Current Account with Debit Card, available regardless of any credit problems.

Opening a new Basic Current Account can prove to be very difficult should you have any credit problems however we do have a solution available for those who have been refused a Current Account.

Apply Today with NO OBLIGATION

If you have suffered any form of credit problems from either a loan, missed credit card payment, mobile phone or received a CCJ and even been bankrupt then opening a new current account with a high street provider will prove to be almost impossible.

Every application will need to go through a personal credit check, so any of these listed problems will flag up during your application meaning you will almost certainly be declined.

If this is the case then your options will be very restricted as every one of the main high street banks will not allow you to open one of their bank accounts.

So what are your options if you need a current account with debit card?

We do have a current account which is readily available with all the features of a 'normal' bank account but without the need for a credit check on applications, allowing anyone, even with a severe credit problem, opening a basic bank account with debit card.

Guaranteed No Credit Checks - As there is No Credit available with these accounts then a credit check is not required, so even bankrupts can apply in the knowledge that they will be accepted as long as they are over 18 years old and can prove their identity.

What other features come with this Basic Current Account?

Whilst the word 'Basic' is used, these accounts offer nearly all of the features found in a regular high street bank but without any credit facilities, so there is no chance of going overdrawn and you will only ever be able to spend what you have in your account.

You can have your salary, wages or benefits paid directly in and set-up standing orders and direct debits, plus you will have the use of a bank card which like a debit card will allow you to spend your money online and in store like any other debit card.

With no credit checks, as long as you are 18 years old or over and can be identified, then you are guaranteed to be able to open one of these basic current accounts with debit card.

How can we help you set-up a Basic Current Account?

The application process is very simple and if we can identify you electronically, you will receive our new account and sort code number almost instantly, allowing you to start using your new current account immediately.

NO OBLIGATION - you are under No Obligation to carry on and yet if you did proceed, there are no contracts so you can cancel your account at any time.


  • Guaranteed Acceptance &No Credit Checks
  • Internet Banking, Debit Card & Standing Orders
  • QUICK TO OPEN with No Contracts
  • Bankrupts & All Adverse Credit welcome
Basic Current Account with Debit Card, with no credit check for those who declined and bank account for bad credit


Basic Current Account with Debit Card - Apply online here

Basic Current Account - often associated with those who have been declined a high street account, together with those who have had past credit problems.

  • Guaranteed Acceptance, No Credit Checks
  • Internet Banking, Standing Orders
  • SWIFT TO OPEN with No Contracts
  • Bankrupts, Adverse Credit welcome
Basic Current Account with Debit Card and basic current accounts to open for those with bad credit

Basic Current Account - Apply online here

Basic Current Account Guarantee your new bank account, subject to proper Identification PLUS there are NO CONTRACTS meaning you can CANCEL AT ANYTIME with no penalty. A Pre-paid MasterCard® Debit Card is also included meaning you can only ever spend what you have and never get charged for being overdrawn or missing a regular payment.

Need a Guaranteed business bank account? Complete the form below or Call 0845 474 2917:

Guaranteed High Street Business Bank Accounts -
Set-up fee - £225.00 + VAT
Monthly Management Fee - Zero

PLEASE NOTE: With a GUARANTEED Bank Account you are under no obligations at any time to complete the application process and there are no contracts, so you can CANCEL AT ANY TIME with no penalty.


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