How to Open a UK Bank Account as a New Resident

Opening a UK bank account is one of the first practical things to sort out when you settle here. You need one to get paid, pay rent and bills, and manage money safely. This guide explains how, and what to do if you do not yet have all the usual documents. For more first steps after you arrive, see our guide on registering with a GP.

What you usually need

Most banks ask for two kinds of proof:

• Proof of identity — a passport, national identity card, or biometric residence permit (BRP).
• Proof of UK address — a tenancy agreement, a council tax or utility bill, a bank statement, or an official letter (for example from your employer, university, or the Home Office).

Exactly what counts can differ between banks, so check the list on the bank's website before you apply.

If you do not have proof of address

This is a common problem for newcomers, but there are options:

• App-based banks — several digital banks let you open an account with just your ID and a selfie video, often within a day.
• Letters instead of bills — some banks accept a letter from your employer, college or university confirming your address.
• Basic bank accounts — designed for people with no UK credit history. They let you receive money, pay bills and use a debit card, without an overdraft or a credit check.

How to open one

1. Choose a bank and check its document list and whether it fits newcomers.
2. Gather your documents — ID and, where needed, proof of address.
3. Apply — online, in an app, or in a branch.
4. Wait for your card and details to arrive, then set up online banking.

Tips

• Compare accounts for fees, ease of opening, and whether they suit people who are new to the UK.
• Keep your money safe and be alert to scams — a UK bank will never ask for your full PIN or password.

A bank account, along with registering with a GP, is one of the foundations of settling in. Sort it early so you are ready for work and daily life.