Click Here to open a UK Basic Bank Account Online without a Credit Check. Get Your Sort Code and Account Number Instantly.
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It is becoming increasingly difficult to open a UK bank account with no credit check yet there are now more people than ever before who are running into credit problems. This has led to banks being extremely cautious about who they give banks accounts to, even though there is no legal reason to prevent these individuals from obtaining an account.
All major High Street banks do offer what is called a “Basic Bank Account” but these accounts are VERY basic – hence the name. These accounts do not provide you with a cheque book and most only come with a cash card which can only be used to withdraw money from an ATM.
In this day life is made much easier when you have a debit card to use as well.
A Basic Bank Account With No Credit Check ? – Yes, you can open one today
Well, there is a bank account that you can open which does give you a debit card and these accounts can be opened regardless of your credit rating. It’s true that bank accounts with no credit check are few and far between but the one that I am about to tell you about can be opened online and has a 100% guaranteed acceptance.
Because there are NO credit checks with this bank account it means you can open one even if you’re currently bankrupt, have an IVA, have CCJ’s or Defaults. Your bad credit rating will not stop you from opening this basic bank account which offers you many great features which other High Street banks don’t.
Click Here to open a UK Bank Account Online without a Credit Check. Get Your Account Number and Sort Code Instantly.
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A Basic Bank Account With No Credit Check – The Next Steps
If you need a bank account and have bad credit, CCJ’s, Defaults or are even currently bankrupt then there is good news because you can get a bank account, opened online, with guaranteed acceptance. In fact, this account can be opened instantly and you’ll receive your bank account number and sort code within a couple of minutes. Remember, these are bank accounts with no credit check so they’re the perfect bank accounts for bankrupts.
These bank accounts also come with a debit card as standard and there are no credit checks involved and you are 100% guaranteed to be accepted.
Click Here to open a UK Bank Account Online without a Credit Check. Get Your Sort Code and Account Number Instantly.
Bank Account With No Credit Check
{ 27 comments… read them below or add one }
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.
Hi, he will be able to open a bank account online, with no credit checks by clicking here
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
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
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.
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?
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.
Does this bank provide your own cheque book as well?
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.
Hi,
Just a question, can I have my salary paid into this account
thanks
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.
Hi
Can i deposit a compensation cheque from my solicitor into this account ?
Can another bank take funds due to them from this account ?
Thank you
Hi Tracy, thank you for your question. You sure can pay cheques in to these accounts. Regardless of who the cheque is from you can pay them in to these accounts.
As for another bank being able to take funds from the account, no, only you can take funds from the account.
If you have any other questions please do let me know.
Thanks,
Admin
hi
can i set up direct debits from this account and do you offer an overdaft
thanks
Hi Andrea,
Standing orders can be set up from these accounts but no overdraft is offered. No High Street banks offer overdrafts with basic bank accounts.
Thanks,
Admin
How do I pay cheques into th?is account and how long before it is cleared and funds available for paying DD’s and SO’s
Hi,
Cheques can be paid in to the account via any branch of Barclays. It can take 5 working days for the cheque to clear in to your account.
If you have any other questions please let me know.
Thanks
Can i have my benefits paid into this account and can i have direct debits on this account?
Hi Nicky,
Yes you can have benefits paid directly in to the account and direct debits/standing orders are also available.
Thanks,
Admin
Can I use these accounts as a self employed business account
Hi,
Sorry, these bank accounts are for personal accounts rather than business accounts.
Thanks,
Admin
How much do you charge for this account?
Hi, There is an admin fee of just £15 for the account which then provides all of the banking services, including the Debit Card which comes with the account.
Thanks,
Chris
Web admin
You said in an earlier reply that there was no account opening fee but on your website it says there is a fee of £25 for a single account. Is there a fee or not?
Also, although the site says there are no credit checks, etc. the terms and conditions state that after you have applied and been accepted you may still be refused the account by the bank. What exactly would stop the account from being opened by the bank at that stage? What documents for proof of id are required to be sent upon opening the account?
Many thanks.
Hi, There is a monthly fee for the management of these accounts and for the services that they provide. No other bank can or will offer these services or even a bank account to many people who have a very bad credit rating. I have never said that there is not a monthly fee.
There are no actual credit checks. This means that it does not matter how bad your credit rating is, even if you’re currently bankrupt, the bank will not turn you down based on your credit file, credit rating or credit history. What the bank does need is proof of you identity and address. If you’re registered on the electoral role and or have utility bills in your name, a UK dirvers license, etc then that is usually enough documentation to prove your identity.
Full details of the identification that is required is available from the main website where you apply for the account at UK Basic Bank Accounts
The bank does these checks to prevent fraud, illegal activities and money laundering etc.
Kind regards,
Admin
I’m not talking about the monthly fee, I was referring to the actual account setup fee of £25 whereas in one of your replies you said there wasn’t one. So is there a setup fee?
Thanks for the clarification on there other issues.
Sorry for any confusion. A £25 account setup fee was recently introduced. The initial setup fee allows us to open the account and run the necessary proof of identity checks.
When you consider that you could open this account even with a history of CCJs, defaults, missed payments or even a history of bankruptcy on your credit file and you will still get the service provided by our Money Managers, you may decide the fee is worthwhile.