Bank account
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On this page you will find what documents you need to open a bank account and what you can do if you don’t have all the documents.
Bank account
If you don’t have a bank account in the UK, try to open one as soon as possible.
If you find it hard to get a bank account you can apply for benefits before getting a bank account and request your benefit payments in cash. This cash can be withdrawn at PayPoint outlets in local shops and newsagents.
To open a bank account, you need:
Proof of identity – a valid form of your photo identification for example:
- Biometric residence permit (BRP)
- Home Office travel document
- If you don’t have a BRP some banks may accept your ARC card or Bail 201 form with your photo as an identification
- Current passport if you have one
Proof of address - a recent letter proving where you live for example:
- Home Office asylum decision letter showing your address or letters from Jobcentre or GP practice
If you don’t have all the documents to open an account:
Proof of identity – a valid form of your photo identification for example:
- Check with the bank what other proof of address they will accept
- Try more than one bank. If one bank refuses, try a different bank
- Try to open an account online first if you have internet access, a web-enabled device (smartphone or computer) and can follow online instructions in English. Most banks allow online applications
- Try to open a basic bank account if a bank refuses to open a current account
- Try online-only banks such as Monzo or Revolut. You will need to download their app on your phone and be confident using the app
- Try to get a support letter from a charity or agency that knows you
Need more help?
Call our free, confidential, helpline to speak to one of our experienced advisers (you can ask for an interpreter) or email refugeesupport@scottishrefugeecouncil.org.uk.
0808 196 7274
