uk bank accounts

uk bank account

 

 

 

shout visa card

 

Representative Example:

 

If you spent £300 on a purchase

transaction at the start of your agreement, incurred total monthly charges of £540 over a period of 20 months and made repayments in accordance with your Terms & Conditions, your APR would be 627% APR representative (variable).

 

 

visa debit card    cheque book

 

 

Secure Trust Bank

Bank Account For Bad Credit & Prepaid MasterCard

 

This bank will offer you a 100% guaranteed bank account with no credit checks subject only to ID checks.

 

This account also comes with a prepaid MasterCard

so you can transfer funds to the card from the bank account when you need to use it. There is online

and telephone banking as standard. Cheques or

cash can be paid in at any branch of Barclays. The prepaid card can be topped up at Payzone outlets.

 

 

secure trust bank account

 

Click on image above to get your Guaranteed Bank Account

 

 

UK Bank Accounts For Those with Bad Credit

All bank account details correct as of 21st May 2013

 

If you try to open a standard UK personal current bank account complete with cheque book, Visa debit card and overdraft facility then you could be refused for any of the following reasons:

  • bad credit (County Court Judgments (CCJs) or defaults)
  • poor repayment history
  • IVAs or bankruptcy
  • a low credit score (e.g. not at address for long, low earnings)
  • a history of fraud (CIFAS flag)
  • not being on the electoral roll

You may not even know why you keep getting refused for a UK bank account and only an examination of your credit file will reveal any bad credit history.

 

Even if your credit file is in good order your financial circumstances may mean that your resulting credit score is so low that you will still be refused a normal current bank account. Banks prefer customers with regular incomes that pay them into their bank accounts directly.

 

For people in this position, some banks are now able to provide more than just a savings bank account. These types of genuine bank accounts are called basic bank accounts.

 

As you would expect, most basic bank accounts just provide the most basic of banking facilities but generally more than savings accounts.

 

All basic bank accounts provide ATM cash cards and services such as standing orders and direct debits. An example would be the HSBC basic bank account. More and more of these bank accounts will even provide debit cards such as the Visa or Visa Electron types. One that we know of will also provide a cheque book.

 

"Oh and one more thing I think your site is excellent you have really put my

mind at rest in a lot of things and I thank you for that. A lot of info is free that

is usually paid for, I am seriously considering getting a current account through

you when I next get paid as I only have a savings account." - C.S, UK

 

The only people they will generally refuse to open these basic UK bank accounts for are undischarged bankrupts (not always the case - see details of our bank account for undischarged bankrupts) and those with any history of fraud.

 

You won't initially receive an overdraft facility with this type of bank account but with some banks these may be available after a period of responsible operation.

 

However, one bank we know of will even provide a cheque book immediately and another very lenient institution will normally upgrade their basic bank account to full current account status with cheque book plus an overdraft facility and other benefits after just 6 months of responsible operation.

 

With most banking institutions this is simply out of the question if you have a bad credit history.

 

These basic type bank accounts, which are generally not actively advertised or publicised (because they are not that profitable. They can't lend to those who are a bad credit risk), are available to almost anyone even if there are CCJs, defaults or arrears against your name or even if you are not on the electoral register.

 

Also, if you are interested in an offshore banking solution then see our offshore bank account page.

 

If you just require a debit card without any bank account then see our prepaid card page which lists such prepaid credit cards.

 

 

Vanquis Bank

Visa Credit Card

 

This is one of the best Visa cards

to apply for if you have a history

of adverse credit. If accepted, the initial credit limit is only £150, although it can be increased in time through responsible operation of

the account. Although not guaranteed it is a good unsecured alternative to a prepaid card.

 

 

vanquis visa credit card

 

Representative Example:

 

Purchase annual interest rate 39.94% (variable).

Amount of credit £1000.

Representative 39.9% APR (variable)

 

 

"Hi there, I recently purchased your uk bank accounts, which I found great."
- P. Ashcroft, UK

 

Personal UK Bank Accounts with Debit Cards or Cheque Book

 

If you want a personal UK bank account with one of the UK high street banks that provide bank accounts with a few more useful facilities than just a cash card or standing orders and direct debits then see the following bank account information.

 

Provided you do not have a history of fraud then you will be accepted for at least one of the following bank accounts.

 

1. Cheque book & ATM cash card personal UK bank account

2. Visa debit card personal UK bank accounts

3. UK bank account for those in bankruptcy

 

 

1. Adverse Credit UK Cheque Book Personal Bank Account *

(The ONLY genuine UK bank account that offers a cheque book

immediately to those with a bad credit history)

 

 

cheque book atm cash card

 

    This account has the following features:

  • Cheque Book & ATM cash card.
  • Visa debit card is possible if you deposit substantial funds into the account.
  • Direct debits & standing orders.
  • Account is with well known UK Building Society.
  • No branch visit is necessary. You can apply by phone, online or visit in person if you so desire.
  • You must be registered on the electoral roll.
  • The account can be operated in branch, by phone or online.
  • This account is not available to those with an IVA or undischarged bankrupts.
  • This basic account accepts those with a poor payment history, defaults or CCJs.
  • You will also receive the other bank account information detailed on this page (UK debit card and bankrupt bank account information) plus the bonus at no extra charge.

uk cheque book bank account

Order This UK Bank Account Information From Us For Only £29.95

 

See the free special bonus that comes with this UK cheque book bank account information.

 

order uk cheque book bank account information

 

Important: To protect ourselves against fraudulent transactions all orders must have a valid postal address.

 

Once your cheque book account order has been verified we will then send you details by email of the password protected part of this website where these personal bank account details and all future updates can be accessed.

    "I would just like to say your advice and information I received from your website

    was incredible. It's been six months since I opened an account following your

    instructions, and I have just been asked by the bank to open a Gold account with

    all the usual extras that come with it. Thanks a lot." - Cecil ****huku. UK

     

    thinkmoney

     

 

2. Adverse Credit UK Visa Debit Card Personal Bank Accounts

 

 

visa debit card atm cash cardvisa electron debit card

 

    These varied and numerous accounts have the following features:

  • Visa debit cards (6 accounts available at present).
  • UK mainstream institutions.
  • Most have telephone and online banking.
  • Direct debits and standing orders as normal.
  • Some of the accounts can be upgraded after trial period of responsible operation.
  • Most, though not all, are NOT available to undischarged bankrupts.
  • Most accept adverse payment history, defaults and CCJs.
  • Most accounts also available to non-UK residents living in UK.
  • You will also receive the other bank account information detailed on this page (UK cheque book and bankrupt bank account information) plus the bonus at no extra charge.

uk debit card bank account

 Order This UK Bank Account Information From Us For Only £29.95

 

See the free special bonus that comes with this UK debit card bank account information.

 

order uk debit card bank account information

 

Important: To protect ourselves against fraudulent transactions all orders must have a valid postal address.

 

Once your debit card account order has been verified we will then send you details by email of the password protected part of this website where these personal bank account details and all future updates can be accessed.

 

"Thank you the information you sent me on non-status bank accounts. I received my

cash and solo card from ****** this morning,. As you must know we don't seem to

be able to buy anything anymore without some kind of card so this is going to make

my life so much easier. Again thank you very much." - L.J, Oxon, UK

 

 

3. UK Personal Bank Account For Undischarged Bankrupts

 

 

visa debit card

 

    This account has the following features:

  • Visa debit card.
  • Available to those with an IVA or undischarged bankrupts.
  • The account is a standard basic account which provides direct debits and standing orders.
  • This bank account is from a mainstream bank.
  • You will also receive the other bank account information detailed on this page (UK cheque book and UK debit card bank account information) plus the bonus at no extra charge.

Order This UK Bank Account Information From Us For Only £29.95

 

See the free special bonus that comes with this UK bank account for undischarged bankrupts information.

 

order uk bankruptcy bank account information

 

Important: To protect ourselves against fraudulent transactions all orders must have a valid postal address.

 

Once your bank account for undischarged bankrupts order has been verified we will then send you details by email of the password protected part of this website where these personal bank account details and all future updates can be accessed.

 

bank account information money back guarantee

We offer a full money back guarantee on all our UK personal bank account information services should you be unable to obtain the facilities you require from the information that we provide after following our instructions.

 "The information was spot on. Thanks for your help." - G.H, UK

    If you order our UK personal bank account information then we shall ask you if there are

    any banking or financial institutions that you don't wish to have a bank account with. In

    the event of the bank(s) that we know will offer the facilities you require being one of

    those that you don't want to bank with then we shall attempt to find an alternative bank

    account or your payment will be refunded.

"I opened two ****** accounts, (one for my self employment and one for my

permanent employment), without any problems today as advised. Thanks for

your fast service." - D.T, Cardiff, Wales

    Free Special Bonus

     

    Order today and we will include a free copy of our Special Report:

'How To Create A Brand New UK Credit File' (Worth £34.95)

 

uk credit report

Details of the report can be found on the UK credit report page.

 

*   UK bank account number 1 is only available to UK residents. (Residence in the UK is normally

     established by someone who visits the UK for at least six months in any one tax year, or three

     months a year over four consecutive years).

 

       If you are looking for a French bank account then see the Credit Agricole

       Britline French bank account.

 

       Back to business bank accounts & prepaid credit cards

 

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