Basic Bank Account

Current Account

A refreshingly simple and transparent bank account that’s open to everyone regardless of credit history. To open our bank account you need to be a UK resident aged 18 or over and pass satisfactory identity and residency checks. This makes our basic bank account ideal for people who may have struggled to get a bank account elsewhere.

-No fees for bounced Direct Debits or Standing Orders
-No overdraft facility – you cannot go overdrawn with our account
-A basic bank account with an established Bank
-No credit checks – bad credit history and bankruptcy accepted
-Secure online banking with tracking and budgeting tools
-Pay in wages or benefits
-Set up and pay bills by Standing Order or Direct Debit
-Earn up to 4% cash rewards at over 35 high street retailers
-Apply online
-A Basic Bank Account with a MasterCard® Prepaid Card.

UK residents aged 18 and over.

To open our account there is a one off set up fee of £12.50 and a monthly management fee of £12.50

Account Fees
Account set up £12.50
Monthly management fee £12.50
Additional card £5.00
Replacement card £5.00
PIN issue/re-issue Free
UK cash machine withdrawal £0.50
Overseas cash machine withdrawal £2.25 (per transaction)
Overseas point of sale transaction 2.75% (per transaction)
Cash withdrawal limits (per day) £500.00
Cash withdrawal limits (per transaction) £250.00
Returned standing order/direct debit payments Free
Customer service telephone enquiries Local Rate
Account closure Free
Account re-activation Free
Duplicate statements £2.50 per statement
Bankers cheque £2.50
Card loads Free
Card Unloads Free
POS Transactions (UK) Free
Cash Deposits Free
Cheque Deposits Free
Direct Debit set up Free
Direct Debit Payments Free
International Transfer £25
BACS Trace £15
BACS Recall £20
Faster Payment Fee ( with effect from 3rd June 2013) £0.40p (per transaction)