Which banks offer basic bank accounts?
Initially nine banks signed up with the Government to offer basic bank accounts:
- The Co-operative Bank
- Lloyds Banking Group (including Halifax and Bank of Scotland brands)
- National Australia Group (including Clydesdale and Yorkshire brands)
- RBS Group (including NatWest and Ulster Bank brands)
However, we now have over 30 basic bank accounts for you to compare via our website. Simply use our basic current account comparison service to help you find the account that’s right for you.
Can I get an account if I have bad credit?
Yes. The only reasons that you can’t get an account is if you’ve been convicted of fraud or you fail an ID check. Money laundering rules require a bank to verify who you are.
Usually you will need one of the following:
- Full, current UK passport
- Current European Union member state identity card
- Current UK photo card driving licence or UK full paper driving licence
- Identity card issued by the Electoral Office for Northern Ireland
- Benefit books/benefit entitlement letters; includes pension, child benefit, income support, disability and jobseeker's allowance
- HMRC tax notification or assessment letter
If you can't provide any of the accepted forms of ID on the list, contact the bank to explain your situation, there may be other forms of ID that you can use instead.
How do I apply?
Different banks may have different processes with some allowing you to apply online and others requiring you to visit a branch.
The easiest thing for you to do is to use our comparison service and follow the links to the website of the provider that you’re interested in.