You can set up a free basic bank account that doesn’t require a credit check.
To open one you will need to make an appointment with a bank and provide relevant ID. Remember you only need a basic account, you do not need to pay a fee!
Download a list of suitable forms of identification here.
Here are some bank accounts from high street banks that do not charge a fee and will be suitable for receiving automated payments.
| Barclays | Barclays Basic Current Account |
| Santander | Basic Current Account |
| NatWest | Foundation Account |
| Ulster Bank | Foundation Account |
| Royal Bank of Scotland (Scotland) | Foundation Account |
| RBS England and Wales | Basic Account |
| HSBC | Basic Bank Account |
| Nationwide | FlexBasic |
| Co-operative Bank | Cashminder |
| Lloyds/ Halifax/ Bank of Scotland | Basic Account |
| TSB | Cash Account |
| Yorkshire and Clydesdale Banks | Readycash Account |
Once the account is open, you’ll be given account details which you’ll need to make your Universal Credit claim and have payments paid in monthly. You will be able set to up payments for household bills and direct debits such as rent. You may also receive a debit card.
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