Click Here to open a UK Bank Account Online without a Credit Check and Get Your Account Number and Sort Code Instantly
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Basic bank accounts are designed for people with bad credit who have been refused a bank account from their High Street bank.
There are many reasons why you may be turned down when you apply for a bank account at your High Street bank but the main reason will be due to some form of negative information on your credit file. It may be that you have a history of not paying back loans or having debts that you can’t manage. You’re not alone there.
You may be subject to an IVA or registered bankrupt. Again, there is a rising number of people in the UK who are registered bankrupt or who have an IVA. The number of people who are having CCJ’s and Defaults registered on their credit files is also on the increase. All of these things will have a very negative impact on your credit file and make it more difficult for you to obtain credit.
Basic Bank Accounts With No Credit Checks
The thing is, regardless of your credit rating, you can still get a bank account that offers guaranteed acceptance. This is known as a guaranteed bank account and is specifically designed to help people who have a bad credit history. Not all basic current accounts are created equal, some are better than others and offer you more banking facilities than others.
Basic Bank Accounts With Guaranteed Acceptance
There is one bank account that offers guaranteed acceptance while still offering all regular bank account facilities but it also gives you a debit card too. The card is linked directly to your bank account and can be used online, in shops with the ‘chip n pin’ as well as at cash machines to access your money.
This bank account is available to anyone regardless of their credit status. It doesn’t matter if you’re currently subject to an IVA or even registered Bankrupt. You are 100% guaranteed to be accepted, there are no credit checks, the account is opened instantly online and you’ll get your sort code and account number within a couple of minutes.
These bank accounts also come with a debit card as standard too. You’ll get your account number and sort code as soon as your account is open. Apply online right now and your new bank account will be opened within a few minutes from now.
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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{ 23 comments… read them below or add one }
RT @katmcdermot: Basic Bank Accounts For People With Bad Credit http://ukbasicbankaccounts.co.uk/general/basic-bank-accounts-for-people-with-bad-credit/
please send me some more information on the basic a/c .many thanks kevin
Hi Kevin, please Click Here to access the resource that you need. You will be able to open a new UK bank account online without having to pass any credit check.
Just wanted to say thanks for this. I used the resource you mentioned on your blog and applied for a bank account and I’m pleased to say that I now have a bank account opened for me and got the debit card too.
Thanks for your help
Hi Lewis, thanks for your comments and glad to hear you have your new bank account and debit card. It was easy to apply for online wasn’t it
can you pay cheques into these accounts because i already have a gold card which will not let me do so thanks
Hi, yes, with these bank accounts you can pay money in to them via Cheques, as well as cash deposits and direct deposits such as salary from your employer or social security payments.
These accounts act in the exact same way as any other current account.
Regards,
eCredit Doctor Admin
Hi Marie, yes, you can pay cheques in to these bank accounts. They are the exact same as a regular current account when it comes to paying money in and withdrawing it. You can pay cash, cheques, salary and benefits in to these accounts in the same way as you can with a High Street bank account.
You can use any Post Office or branch of a High Street bank to pay money in which makes it very convenient.
If you have any other questions then please do let me know.
THANKS SO MUCH
You’re very welcome and glad to know that you now have a bank account.
Regards,
eCredit Doctor Admin
It is hard to imagine your life without a bank account in the 21st century. Banking and technology sectors, enjoying high growth in the past decade, collaborated on their efforts to enable consumers to manage their finances easier than ever.
please could you tell weather i can use it for my business account
Hi Martyn, these accounts cannot be used for business as they are only opened in your personal name rather than a business or company name.
If you apply to a bank for a business account and take proof that you’re already trading and have a turnover then there is a good chance the bank will open an account for you. Barclays bank are pretty good but it will help if you show the business manager that you’re already trading and are producing a turnover.
hi can i set up direct debits for my bills if i open this type of account also when i start having my wages an tax credits ect paid in how soon will i get my debit card so i can access the money ? thankyou xxx
Hi Janine, Yes, you can set up Direct Debits/Standing Orders from this bank account. The debit cards takes around 5 working days to arrive in the post once the account has been opened. This is the normal time it takes to receive a debit card with any kind of bank account. As soon as you apply for the account it will be opened immediately for you. You’ll receive your sort code and account number within minutes via email. This means you’ll be able to give you bank details to your employer right away.
If you have any other questions please do let me know.
Thanks.
Hi I am quite interested in this type of bank account. Basically what I want is an account where I can put money in and have a direct debit facility to pay my rent. I would be grateful if you would send me an e mail regarding my question before I go ahead and apply.
Hi Louise,
You can pay money in to the account at any Post Office branch or any High Street branch of Barclays bank. Direct Debits/Standing orders are standard facilities with the account as well as a MasterCard Debit card that you can use to either withdraw money from any ATM as well as paying for goods in shops or online.
I will also send you this information in an email.
Regards,
Admin
Does using your bank account improve my credit rating?? and can i have my student loans paid into it?
Hi Alex,
Using the bank account will show on your credit file and using the account correctly will help to add positive information to your credit file. This positive information will increase your credit rating. With regards to your student loans, yes, you can have those paid directly in to the account as well. The account is exactly the same as any other current account when it comes to having money paid in to it – whether that is a student loan, salary, benefits etc.
Please let me know if you have any other questions that I can help you with.
Regards,
Admin
Thanks for answering
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My current card was taken away. i want to apply for a card with you guys but it says i need to pay a £30 charge how do i pay it into you guys?
The card comes as standard with the account and there is an account management fee of £12.50 per month which is debited directly from the account each month. Where were you told that you need to pay a £30 charge?
Thanks,
Admin
oh thats ok then sorry about might have been looking at something else and got confused….so you can absolutely promise that this an improve my credit score?
As long as you run the account in an acceptable manner then yes, the information recorded on your credit information will help to improve your credit score.