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 This cash can be withdrawn at PayPoint outlets in local shops and newsagents.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 for an appointment with one of our experienced advisers. You can ask for an interpreter.
