How to Access & Set Up a Basic Bank Account

Are you struggling to open a bank account because of your credit history, or because you have no fixed address?
A basic bank account could be a possibility.

Are you looking to apply for a basic bank account? You may have questions, such as:

• What is a basic bank account?
• What are the basic bank account requirements?
• Can I get a basic bank account with no ID?
• Could I get a basic bank account if I have no fixed address?
• Is it possible to get a basic bank account with no credit check?

What is a basic bank account?

A basic bank account offers many of the everyday features of a standard current account. You can receive payments, make transfers, and set up Direct Debits. Some features, such as an overdraft, are usually not available.

Where can I get a basic bank account?

Several banks offer basic bank accounts in the UK, including:

• Barclays
• Halifax
• HSBC
• NatWest
• Santander
• TSB

Compare basic bank accounts: find the best basic account for you

When searching for a basic bank account, it’s important to take your time and explore all the options that could be available to you before you decide.
Compare the features of basic accounts across different banks. Things you might want to look out for include any charges or fees, and age limits.

What’s the easiest bank to open an account with?

Basic bank accounts are often available to more people than standard current accounts. Many banks will consider people with poor credit history or no fixed address.

You won’t find a bank account with guaranteed approval. While basic bank accounts are typically available to most people, you will still need to prove your identity and any other checks the bank asks for.

Who can apply for a basic bank account in the UK?

What are the requirements for a basic bank account?
Each bank will have its own eligibility criteria. These are the conditions you must meet before you can apply, such as being a certain age.
Different banks have different eligibility criteria.
You will need to be over 18 to open a basic bank account, although some banks consider people aged 16 and over.

Are basic bank accounts free?

Basic bank accounts are usually free to open, but some banks may charge fees for certain services, such as using your card abroad.
Not all banks will charge fees; you can find out whether yours does in the terms and conditions that will be sent to you if you’re approved.

Basic bank accounts for people with bad credit

You could get a basic bank account with bad credit. You might also be able to apply for a basic bank account if you have been declared bankrupt or have been in an Individual Voluntary Arrangement (IVA) or a Debt Management Plan (DMP).

Basic bank account with no ID

When applying for a basic bank account, you will typically need at least one form of identification. This could be a driving licence or passport. The exact document you need depends on the bank you’re applying to.
If you don’t have photo ID, the bank might accept another form of ID with your name and address on it, like a letter from HMRC or Jobcentre Plus, although this will depend on the bank.
Some banks allow people with no fixed address to open a basic bank account using other forms of identification or proof of address.

If you’re an international student, a migrant worker, refugee, or an asylum seeker, you may have different documents that could confirm your identity. You could contact the bank to explain your situation and ask whether they can consider these. You could open a basic bank account if you have leave to remain or a valid visa, though again, this depends on the bank you apply with.

You can find out more about bank accounts for international students on the Save the Student website.

Basic bank account for people with no address: could I get a bank account if I don’t have proof of address?

A basic bank account could still be available to you if you’re homeless or have no fixed address.
You may be able to use a temporary address, even if you're only staying there for a short time.
If you’re staying in a hostel, refuge, or supported accommodation, some banks could accept a letter from the site manager as proof of address.
Some banks may contact a local homeless organisation to confirm your identity. If you’re currently receiving support from your local Shelter service, they may be able to help with this.

Shelter has put together this video about how to open a bank account at a branch if you’re homeless.

Bank accounts with no credit check: could I get a basic bank account with no credit check?

You do not need to pass a full credit check to get a basic bank account, although some banks may run a ‘soft search’ when checking your identity. A soft search will not affect your credit score, and only you and the company that carried out the check will be able to see it on your credit file.

If you’re experiencing domestic abuse

If you're finding it difficult to access banking services because of domestic abuse, support may be available.

The TSB Flee Fund gives domestic abuse victims up to £500 to help them pay for essentials and make plans to leave their situation safely. If you’re approved for the TSB Flee Fund, you do not need to pay the money back.

There are other things TSB could do to help you, such as:

• Send documents to a chosen safe address
• Help you with changing your log in details
• Recommend charities that could offer you further support
• Help you open accounts in your name, including a non-location sort code

To discuss the TSB Flee Fund with an advisor, please visit your local branch or book a video appointment here.

If you’re in immediate danger, please call the police on 999.

Can you be refused a basic bank account?

You could be refused a basic bank account if you do not meet the requirements set by the bank.
Your application for a basic bank account could also be turned down if you do not pass the bank’s identity checks or checks that confirm your right to live in the UK.

Are you worried about money?

Please know that you do not have to suffer in silence. Money worries can feel overwhelming, but many of us will face them at some point in our lives, and they are nothing to be ashamed of.
The following charities and organisations offer free financial advice: StepChange, MoneyHelper, Citizens Advice, and National Debtline.