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Money, banking and tax

How to Open a Bank Account in the UK as a New Immigrant

Practical guide to standard current accounts, basic bank accounts, digital banks, ID, address evidence, safe banking, scams, and alternatives.

Plain-English summary

Bank account requirements vary. If you lack standard documents, look for basic bank accounts, ask banks what alternatives they accept, and check unfamiliar providers on the FCA register.

Best for: New arrivals without much UK credit or address history.

What this guide covers

Current accounts
Basic bank accounts
Digital banks
ID and address evidence
FCA register
Bank scams

Compare document requirements

Different banks accept different combinations of ID and address evidence.

  • Passport, BRP/eVisa, tenancy, utility, council letter, employer letter, or benefits letter may help.
  • Ask about basic bank accounts.
  • Do not submit fake documents.

Stay safe

Bank accounts are personal. Do not let someone else use your account.

  • Never share PINs, passwords, or one-time codes.
  • Do not receive money for strangers.
  • Check the FCA register for unfamiliar firms.
Important warning
Being used as a money mule can cause account closure, police investigation, and immigration problems.

Build history slowly

Use the account responsibly to build records for rent, credit, tax, and future applications.

  • Set up direct debits carefully.
  • Keep statements.
  • Avoid overdraft fees and high-cost borrowing.

Checklist

Use this as a practical planning list, then confirm official rules for your status and local area.

  1. 1Gather ID and address evidence.
  2. 2Compare banks and basic accounts.
  3. 3Check FCA register for unfamiliar providers.
  4. 4Open account in your own name.
  5. 5Keep statements and protect login details.

Trusted starting points

Use official and established advice sources before relying on social media, forums, or paid services.

Basic bank accounts

MoneyHelper

Free guidance on basic bank accounts.

FCA register

FCA

Check authorised financial firms.

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