Most banks have an online application process, which is usually the quickest way to apply for a new bank account.
You can choose and apply online for a:
If you prefer, you can also apply in branch with many banks. Some banks are digital-only, meaning they don’t have branches to visit or apply from.
When you apply to open a bank account, the bank will ask you to provide a few personal and financial details.
For example, we ask for your current:
Most banks will then run an electronic check on your identity. If needed, the bank will ask you to provide documentation as:
Read more about what forms of identification we accept.
There are a few things to think about when choosing a new bank account:
It’s important to consider your current financial situation and what you want to use the bank account for: Is it for personal or business use? Is it just for managing your money day to day or do you want benefits, like travel and breakdown insurance?
Learn more about different types of bank accounts.
Bank accounts have many benefits, such as allowing you to:
Most banks offer online and mobile banking, making it easier to keep track of your account. Some banks also offer telephone and in-branch banking if that better suits your needs.
Find out about our accessibility features and services.
You can use the Current Account Switch Service to easily switch banks. That means:
The process is covered by the Current Account Switch Guarantee, so you don’t have to worry.
The amount of time it takes to open a bank account varies. It may take longer if you need to provide proof of identity and proof of address before the bank can open your account.
You can start using your bank account as soon as the bank has sent you what you need. For security, once the bank has accepted your application they will usually send your information and documents separately, including:
You don’t need to wait until you’ve received everything – for example, you can start using online banking before you’ve received your debit card.
When you apply to open most bank accounts, the bank you’re applying to will run a credit check on your credit file and this may affect your credit score. Making several applications in a short space of time is likely to negatively affect your credit file.
Checking the eligibility terms carefully can help you avoid applying for an account and then being rejected. You could also run a free credit check yourself – this does not affect your credit score.
Some banks offer bank accounts which you could be eligible for even if you have a low credit score – we offer our Cashminder account and we don’t run credit checks when you apply for one, so it won’t affect your credit score.
Learn more about our basic bank account, the Cashminder.
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