These accounts are for people who need to open a new bank account to manage their money and protect their income being taken, even if they have a poor credit rating. This can be because they don’t have a bank account or because they cannot use their current account, for example because they receive charges, are overdrawn or owe the bank money.
Fee-free basic accounts allow you to:
You can apply for a fee-free basic bank account in person, over the phone or online.
You must clearly ask to open a fee-free bank account – if you are not clear you may be assessed for a different account and you may be refused.
You must take one proof of your identity and you may have to prove your address.
Here are some examples of documents you can use to prove your identity and address.
All these accounts have online/phone banking and allow you to set up Direct Debits and standing orders.
|Bank||Account||Withdrawals from UK cash machines (ATMs)|
|Basic current account||Yes|
03457 404 4040
|Basic bank account||Yes|
0800 302 010 option 3
|Royal Bank of Scotland (RBS)|
|Basic current account||Yes (restrictions may apply)|
|The Co-operative Bank|
|Cash account||Link or Visa ATMs only|
0845 300 0000
* You will have to apply for another account and be rejected to be allowed to open the non-fee charging basic bank account.