Basic bank accounts
If you struggle to open a standard account, all major banks must offer a basic bank account. You only need ID and proof of address. Try Barclays, HSBC, Lloyds, or NatWest.
Digital-first banks
Monzo, Starling, and Revolut are easier to open — no UK credit history needed, just a passport and selfie. They work as full UK bank accounts and are FCA regulated.
Building credit history
Register on the electoral roll, pay bills on time, and consider a credit-builder card (e.g. Capital One Platinum). Good credit history helps with renting and future loans.
Read our full blog guide
In-depth article with more detail, tips, and guidance on opening a bank account