Basic accounts and basic bank accounts for those looking for a basic bank account

Basic Accounts Personal and Business

If you have suffered any form of bad credit your option for opening a new bank account could be severely restricted as your credit file will show any adverse activity on it.

Should this be the case you only option may be to apply for one of the many basic accounts currently available, as many of these are offered without the need for a credit check.

Basic Accounts - Apply Online by Clicking Here

We Can Help - Regardless of any past credit problems, we will be able to open you one of these basic accounts as only proof of identity and residence is required and as there are no credit facilities, anyone with any sign of past credit problems will still be accepted.

Automatic Acceptance - In fact as we only need to identify you, the vast majority of applicants are automatically accepted with their sort code and account number being instantly issued, meaning you can start using your new bank account immediately.

Bank Accounts: Guaranteed Acceptance

The basic accounts currently available only insist you are 18 years or older and are a UK resident, so as long as you can prove both if required, then your new account will Guaranteed and you can start using it almost immediately.

The main features of these Basic Accounts include the following:

  • Internet Banking
  • MasterCard Debit card
  • Phone Banking
  • SMS Service
  • UK Call centre

So if you need a new bank account and have been declined by any of the high street providers, we will be able to assist you with a guaranteed* new account.

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NO OBLIGATION - Even after completing the application form, there is no obligation to proceed and when you do, there are no contracts, so you can cancel at any time.


Alternatively, simply Apply Here and someone will get back to you.

SMALL PRINT - Bank Accounts Direct is an introducer only WE ARE NOT A BANK and do not provide banking services, specific advice or bank accounts ourselves and WE WILL NOT CHARGE YOU FOR THE USE OF THIS WEBSITE OR THE SERVICE WE PROVIDE however you may be charged by any bank intermediary we introduce you to if you require them to open a bank account, offshore bank account or any other service they may provide for you although YOU WILL NEVER BE OBLIGED to proceed unless you wish to.