11 thoughts on “Basic Bank Account with No Credit Check

  1. Earthling

    My husband (an American Citizen) living here for the past 7 years has never been able to obtain a bank account and now needs one to start a job. He has no credit history in the UK.

    The above banks you mentioned who will help him have denied him an account. Do you have any other suggestions? We have tried every bank in our town and the answer is the same.

  2. T.M. Ross

    I also have successfully opened a bank account using the link you mentioned. I have REALLY poor credit and I thought that might prevent me getting an account but it didn’t.

    I applied online and had my new sort code and account number emailed to me within minutes. The account is open and the debit card is on its way in the post.

    Thank you for your help

  3. Frank

    Who has any information about to open Bank account in UK who doesn’t live in Uk and can’t provide uk address? Thank you

    1. Admin Post author

      Hi Frank, the bank account that is listed above does require that you live in the UK. That is the only requirement though.

      If you live in the UK you are guaranteed to be able to open one of these accounts even if you’re currently Bankrupt, have an IVA, CCJ’s or Defaults. This is because there are no credit checks needed these bank accounts.

  4. Francis Murray

    I am very interested in opening an account with your bank,but I would like more information which I seem to be unable to find on the site.The questions I have are as follows- Is there a charge for setting up the account? If so,how much?
    Is there a regular fee such as a monthly fee involved?
    Are any other fees involved?
    Will I be charged for using the debit card?
    Will I be able to access a branch if necessary?
    Do oyu charge for direct debit and standing orders?

    1. Admin Post author

      Hi Francis, thank you for your questions. Here are the answers that you’re looking for…..

      There is one off account opening fee. This is an admin fee which covers the cost of setting up the account which includes the necessary Identity Checks, issuing the debit card, phone banking and online banking facilities.

      There is a small monthly fee of £15.00 to manage the account which paid on the 1st of each month. There are no other fees for using the account.

      For just £15.00 per month you get a fully managed bank account that allows you to manage your finances easily and hassle free. You’ll get your own online account management centre and access to our account management team who are just a phone call away to answer any queries you may have.

      You also get the added convenience of a debit Card, so you can use it to shop or withdraw money at home or abroad. With this current account there’s no risk of incurring charges or going overdrawn accidentally. If there are insufficient funds in your Billing Account to cover a standing order that you have set up, we will notify you by text 5 working days in advance. If there are still insufficient funds to make the payment 2 working days before it is due to be paid, we will text you again and notify you that we have stopped the payment.

      If you use the debit card to withdraw money from a cash machine there is a fee of £1 per withdrawal. There are no fees if you use your card to pay for items in shops or online.

      You can access your account via any High Street branch of NatWest although you cannot apply for this account in a branch of NatWest. NatWest branches are used to access your account once it has been opened.

      And remember, it does not matter how bad your credit rating is, you are 100% guaranteed to be accepted for this account as long as you’re aged 18 years of age or older and are a resident of the UK. It does not matter if you’re currently bankrupt, have an IVA, CCJ’s, Defaults, employed, unemployed, self-employed or retired. You are still guaranteed to be accepted for this current account as there are no credit checks.

      Please do let me know if you have any other questions that I can help you with.

    1. Admin Post author

      Hi Marie, no, this account does not provide a cheque book. However, cheque books are being phased out by all banks very soon as cheques are not used as much as they were a few years ago. Debit card have replaced cheques as a payment method and thankfully this bank account comes with a debit card as standard.

      If you have any other questions then please do let me know.

    1. Admin Post author

      Hi Steve, yes, with this bank account you can have you salary paid directly in to it.

      Thanks and if you have any other questions please let me know.


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