Current Bank Accounts:
Available for anyone with a Poor Credit Rating.

Opening a current account with any type of adverse credit rating could be a problem, however we have a selection of current bank accounts available with Guaranteed Acceptance.

High Street Current Accounts - Why you may be Declined.

There are several reasons why you may be declined for a high street account with the main one being because of your credit rating. As every high street bank will thoroughly check your credit report they will soon find out if you have experienced any problems and how you manage your finances.

If they find any form of adverse credit they will almost certainly decline your application leaving you you with very few options, as their credit check will also show other banks that they have refused you, meaning they too will probably refuse you a new current account

Apply Online Here for a Current Bank Account

How can we help you Open a Current Bank Account if you have already been declined?

We have a variety of current accounts all of which are offered on a Guaranteed Acceptance basis as long as you can be identified or identify yourself.

The accounts themselves comes with all the main features found in most other current accounts, so the use of a Debit Card, Internet Banking and the use of either Standing Orders or Direct Debits.

They often offer Instant Approval meaning if you can be identified electronically (normally over 80% of applicant are) then you will receive your sort code and account number immediately, allowing you to start using your new current bank account straight away.

What if I have a Severe Credit Rating problem, will they still accept me?

YES - These accounts are offered with a GUARANTEED NO CREDIT CHECK meaning no matter how poor your credit rating may be, you will still be accepted. As there are No Credit Facilities offered, there is no reason to check your credit file, so even those who are bankrupt or currently in an IVA can still apply knowing they will be accepted.

What should you be looking for in one of these Current Bank Accounts?

Whilst these accounts are not directly linked to any of the high street providers they are often regarded as perfect solution for those who cannot open a current account with one of the high street banks.

For anyone who have been declined, these current bank accounts will give you your own Sort Code & Account Number allowing you to have money paid directly in plus as there are no credit facilities (e.g. an overdraft) then you can only spend what you have in your account, so no more overdraft charges or penalty payments for creeping over your limit without a prior agreement - saving you a considerable amount over the course of the year if you have done that in the past on a regular basis.

Got a Question that needs answering? Call us on 020 3286 3929 or Email Us here...

How can we help you open a Current 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 Current 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
Current Bank Accounts online and basic bank accounts UK to open for those who need a basic bank account in the UK

Apply online here for a Current Bank Account

Current Bank Accounts and bank account for those who want to open a UK basic bank account Current 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