Why is it so difficult to open a UK bank account?

When you wish to open a UK bank account, the high-street banks will often ask for three months of recent utility bills (from a UK address) and a lease agreement with your name on it.

If you have just moved to the UK it’s unlikely that you will have these documents and it will take some time before you're able to produce them.

That is where 1st Contact comes in.

How exactly can 1st Contact help you open a bank account?

We have excellent working relationships with some of the UK's major banks, meaning we can help you open your account quickly and easily when you land in the UK.

We’ll help you open a fee-free UK bank account in one day, with:

  • No minimum deposit required
  • No need for mountains of paperwork
  • No hassle of wasting hours on the phone trying to get bank appointments
  • No waiting time in bank queues
  • No being stuck without answers on how to get the documents you need

Banks we work with:

Alternative banks

Our first UK partner is an alternative to traditional banks, Suits Me. With Suits Me we can have your personal current account opened within 20 minutes and your free contactless Visa debit card will be sent to your UK address within five working days. You will also have full access to your online banking account and mobile banking app. Suits Me is a simple, modern online alternative to traditional UK high-street banks.

International banks

Lloyds TSB

If you are looking for an international bank account that allows you to send and receive money around the world, our recommendation is to use Lloyds. Lloyds Bank International, part of Lloyds Banking Group, is the largest retail bank in the UK with multi-currency accounts and services for your everyday banking needs.

High-street banks

In 2010, Metro Bank was the first new high-street bank to launch in the UK in more than 150 years. They offer a variety of transaction and savings accounts as well as mortgages and personalised private banking.

HSBC Personal Banking offers a range of bank accounts with online banking 24/7, loans, mortgages, savings, investments and credit cards.

Barclay’s PLC was established in 1925 with headquarters in London. The bank provides retail banking, credit cards, wholesale banking, investment banking, wealth management, and investment management services.

 

Have any questions about opening a UK bank account?

Take a look at our frequently asked questions or contact one of our consultants.

Why can’t I open a UK bank account on my own?

You can’t open a bank account without having a credit history in the UK. Most banks will ask you for three months’ worth of recent utility bills and a lease agreement before they will allow you to open an account.

How can you open an account for me?

Over many years, we have formed relationships with the UK’s leading banks. We will personally introduce you to the bank and book a meeting for you at our local branch. Which means no wasting time on the phone or waiting in line for hours.

This introduction, together with our long-standing relationship, allows the bank to waive the three months’ credit history requirement. Subsequently, you can open a bank account on the spot.

I have a British passport. Surely this means the bank will open an account for me?

Unfortunately not. Regardless of your citizenship, if you have not been resident in the country for three months, you will have to provide the same documents as everybody else.

Get your UK bank account

What you need to complete this form:

A passport

Permission to live and work in the UK

To provide a UK residential address

To be over the age of 17

Two/Three minutes