Current Basic Accounts:
Available for anyone with Adverse Credit Rating.

If you have an Adverse Credit rating, opening a current basic account could be a problem, but we have an account available with Guaranteed Acceptance regardless of your credit status.

Current Accounts - Why you may be Declined by a High Street Bank.

There are many reasons why you could be declined for an account but the reason is often because of your credit rating. Every high street bank will check your credit file to find out if you have experienced any problems and how you currently manage your finances. Your Credit Report shows all your credit activity which allows potential lenders and banks to judge if they wish to lend to you or not.

If after they look they find any form of negative activity, they will almost certainly refuse your application for a new account, leaving you you with very limited options, plus if they decline you, then often other banks will do so as well.

Apply Online Here for a Current Basic Account

How can we help you Open a Current Basic Account if you have an Adverse Credit rating?

We have a various accounts all of which are offered on a Guaranteed Acceptance basis so as long as you are at least 18 years old and can be identified, you will be able to open a new current basic account.

These accounts often come with all the features found in most other high street current accounts, so include a Debit Card, Internet & telephone Banking and the use of either Standing Orders or Direct Debits.

They also offer Instant Approval meaning if you pass their identity checks electronically (normally over 80% of applicant are) then you will receive your sort code and account number immediately, meaning you can use the account straight away.

What if I have a very poor Credit Rating problem, can I still open one of these accounts?

YES - These current basic accounts are offered on a GUARANTEED basis as long as we can identify you, meaning your credit rating will have no negative impact on your application so you will still be accepted.

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

Although these accounts are classified as 'Basic' in reality they are not basic as they include nearly all the functionality of a regular high street account. These accounts provide you with your own Sort Code & Account Number and as there are no credit facilities (e.g. an overdraft) then you can only ever spend what you have in your account, meaning no more overdraft or penalty charges. This alone could save you a considerable amount of money over the course of the year if you have done that in the past with your high street bank.

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

How can we help you open a Current Basic 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 Basic 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 Basic Accounts and bank account for those who want to open a UK basic bank account Current Basic 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