How do I open a UK bank account?

Most UK banks let you open a current account online in minutes. You need a form of photo ID (usually a passport or driving licence) and proof of your UK address. If your address history is short, don't worry — banks offer simpler "basic" accounts that still let you receive wages and pay bills.

Last reviewed as part of the UKRoute answer bank — always check the official links below before acting.

1. 1

   Choose a bank or building society and check they accept newcomers (a good option is a digital bank, which often needs no branch visit).

2. 2

   Gather photo ID (passport, driving licence or biometric residence permit) and proof of address (a tenancy agreement, council tax letter or bank statement arrive later).

3. 3

   Apply online — you'll usually get a decision within minutes, or up to a week.

4. 4

   Receive your sort code, account number and debit card, and set up the app.

5. 5

   If you can't pass the credit checks, ask the bank for a "basic" or "help with opening an account" option — you can't be refused for not having a credit history.