Bank Accounts

You are legally entitled to a basic bank account. You are not required to provide utility bills or have a fixed address.


You Have the Right to a Basic Bank Account
  • You do not need to provide utility bills.
  • You do not need to have a fixed address.
Banks Legally Required to give a Basic Bank Account
  • Barclays UK
  • The Co-operative Bank
  • Lloyds Banking Group (including Halifax and Bank of Scotland brands)
  • Nationwide Building Society
  • NatWest Group (including RBS and Ulster Bank brands)
  • Santander UK
  • TSB
  • Virgin Money (formerly Clydesdale & Yorkshire Bank)
Important Law Change
  • The law changed in September 2016.
  • Some banks might not know about this change.
  • Some banks might not want to give basic bank accounts because they can be costly for them.
What to Do if You Have Problems
  • Tell the bank the law changed in September 2016 and it is part of the EU Payment Accounts Directive.
  • Banks must offer basic bank accounts (without overdrafts) to anyone living legally in the EU.
  • People with criminal convictions for fraud cannot get a basic bank account.
Need Help?
  • You can use a template letter to give to the bank that has all the information you need.

If you have any issues opening a bank account, please contact the Friends, Families and Travellers national helpline on 01273 234 777 and we will be happy to help out.

Correct as of June 2024.

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