How To Open a Bank Account in the UK

Opening a bank account in the UK is one of the first things you'll want to do whether you're moving here for work, studies, or just getting started in adult life. Thankfully, the process is more straightforward than you might think. Here's everything you need to know.

 

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Step 1: Choose the Right Bank for You

There are lots of banks in the UK, including:

  • Traditional banks: Barclays, Lloyds, NatWest, HSBC.
  • Online-only banks: Monzo, Starling, Revolut.

Top Tip: If you're looking for ease and fast setup, go for online banks like Monzo, Sterling etc. - they can be set up from your phone in minutes.

 

Step 2: Gather Your Documents

You'll typically need two types of ID:

  1. Proof of identity: Passport, driver's licence, or national ID card.
  2. Proof of address: Utility bill, tenancy agreement, bank statement or letter from your university or employer.

Don't have proof of address yet? Some banks accept letters from your university as valid proof.

Step 3: Apply Online or Visit a Branch

Most banks let you apply online. For in-branch applications, book an appointment and bring your documents.

 

Step 4: Wait for Verification

Once your documents are verified:

  • Online banks will give you instant access to your account via their app.
  • Traditional banks might take a few days to post your debit card.

 

Extra Tips

  • Students: Ask about student accounts with )% overdrafts and perks.
  • New to the UK: Monese and Revolut accept international documents and can be used while you're still settling in.
  • Credit building: some accounts can help you build credit history.

Setting up your bank account is a big step towards managing your money with ease in the UK. Make sure to compare features and pick the one that fits your lifestyle best.