Opening a Bank Account in the UK: What You Need

Why You Need a UK Bank Account

A UK bank account is essential for everyday life. You'll need one to receive your salary, pay bills, and manage your money.

What You Need to Open an Account

Most banks require:

• Proof of identity — passport or driving licence
• Proof of address — utility bill, bank statement, or tenancy agreement (usually dated within the last 3 months)
• Proof of income — employment contract, payslips, or letter from employer
• Immigration status — BRP, visa vignette, or EU Settlement Scheme status

Best Banks for Newcomers

Some banks are more welcoming to people who are new to the UK:

• Barclays — offers accounts for new UK residents
• HSBC — international transfers available
• Lloyds — straightforward application process
• Monzo / Starling — digital banks, easy to open online. Monzo and Starling are popular choices for newcomers because you can open an account from your phone without a branch visit. Open a Monzo account or open a Starling account.
• Wise (TransferWise) — good for international transfers. Wise lets you hold money in multiple currencies and convert it at the real exchange rate, which is handy when you're moving money from your home country. Set up a Wise account.
• Revolut — another digital option with fee-free spending abroad. Open a Revolut account.

Types of Bank Accounts

• Current account — for everyday banking (most common)
• Savings account — for saving money (usually separate)
• Basic account — simpler account with fewer features

How to Apply

1. Choose a bank — compare fees, features, and location
2. Apply online or in branch — many banks allow online applications
3. Provide your documents — upload or bring them to the branch
4. Wait for approval — usually 1-2 weeks
5. Receive your debit card — by post

Digital Banks

Digital banks like Monzo and Starling are popular with newcomers because:

• You can open an account in minutes from your phone
• No need to visit a branch
• Free spending abroad
• Instant notifications for every transaction

Tips for Newcomers

• Start with a digital bank if you can't get a traditional account quickly
• Keep your old bank account for international transfers
• Set up direct debits for bills — rent, utilities, phone
• Check fees — some banks charge for certain services

For more about living in the UK, see our living in the UK guides.