Opening an account and obtaining a debit card from most high street banks can be nearly impossible without proof of address.
Fortunately, there are a few options that may work for you if you're new to the UK.
- Via your home bank
If you’re moving to the UK from abroad, your home bank may have a correspondent banking relationship with a UK bank.
If that’s the case, they may be able to help you in setting up a local account.
Contact your home bank and ask if they can assist you with opening a UK account and getting a UK debit card.
- Digital banks
Opening an account with a digital/challenger bank like Monzo, Wise, Starling or Revolut could be a simpler option. These banks often have more flexible requirements than traditional ones.
You'll still need to provide an address where they can send your debit card, and they might also ask for proof of residency, such as a copy of your visa or residence permit.
It may be worth contacting their customer support early on to explain your situation. They may be able to offer additional help and guide you through the process.
More tips:
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It’s always worth contacting your UK university or workplace for assistance or additional proof to help with opening a bank account.
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Students can request a 'Letter of Introduction for UK Banking Facilities' from their university, college, or school as proof to help open a bank account.
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Some banks have ‘New to UK’ programmes for people who have just arrived in the UK. It’s best to contact the bank directly and ask for guidance through the process.
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Many major UK banks offer special 'international' or 'expat' accounts tailored for people who don’t live in the UK. However, these often require a large initial deposit and a minimum balance each month.
If you’re struggling with homelessness, some banks offer 'No Fixed Address' accounts, which you can open if you’re receiving support from a charity partner.