How to Open a Bank Account in England

Step-by-Step Guide

1. 1

   Step 1: Decide whether you want to use a bank or a building society.

   In the UK banks are owned by shareholders while building societies are owned by their investors and are not traded on the stock market.
2. 2

   Step 2: You will also need to decide what kind of bank account you want to open.

   If you have poor or no credit you will require a 'basic bank account' as these do not require a credit check to be carried out.
   
   These accounts are designed to be widely available but do not offer overdraft facilities.
   
   If your credit is good then you will have a wider range of account options to choose from. ,, You will need to complete an application form and present identification documents in order to prove who you are and where you live.
   
   UK law is strict about this.
   
   Acceptable forms of identification include passports, driving licences, tenancy agreements and utility bills.
   
   Your bank or building society will be able to answer any queries you have regarding identification. ,
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   Step 3: Take some time to think about what you need from an account and compare what different banks and building societies are offering

4. 4

   Step 4: be aware of interest rates

5. 5

   Step 5: charging policies and free gifts / cash-back schemes.

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   Step 6: Once you have decided where to apply then approach a local branch.

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   Step 7: Within a week of your application you will receive debit / cash point cards and any other account items via the mail

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   Step 8: to the address you gave when applying for your account.

Detailed Guide

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