Opening a current account - what you need

A current account enables you to deposit, hold, withdraw and transfer money. It can also give you access to online banking and secure banking apps which help you manage your money. In some countries and regions a current account is also known as a transaction account.

Explore current accounts

Check if you're eligible

Most UK banks require you to be 18 or over, although some will accept applications from people aged 16 and over. If you’re between 7-17 years-old you may be able to apply for a children’s bank account.

To open a current account many banks will require you to be a resident in the United Kingdom (UK). Non-UK nationals from outside the European Union (EU) or Switzerland may need to provide a visa or residence permit.

What do you need?

To complete your application, you’ll need to provide a proof of identity and proof of address. Here’s a list of some commonly accepted documents. Keep in mind, each bank may have its own specific requirements.

Proof of identity:

passport
driver’s licence
EU identity card

Proof of address:

utility bill
telephone bill
council tax bill
mortgage statement
rent agreement

Some banks will require more than one proof of address. If you're new to the UK, you may not be able to do this. In this case a letter from a university or employer might be acceptable.

Explore more: What documents do you need for an ID check?

Any other documents?

You may need to provide proof of your income and be asked about your expenses. If you are, the following should be acceptable:

pay slips
bank statements
P60 (statement issued to UK taxpayers at the end of the tax year)
letter from a recognised employer
tax returns (for self-employed)

Check your credit report

Many banks will check your credit history before they offer you a current account. To do this, they use information from the three credit reference agencies: