Bank accounts

Our basic Foundation bank account

Foundation could be the right option for you

If you aren't eligible for one of our other bank accounts, then the Foundation account may be the right option for you. It’s a basic account designed to help you manage your money.

Some of the features of our Foundation Account include:

  • No monthly fee
  • Check your account 24/7
  • Make purchases and withdraw cash with your contactless Visa Debit Card
  • Use of our Mobile Banking app

You can't apply directly for the Foundation current account. We may offer it to you if we think it might be more suitable during an application for one of our other accounts.

  • The best way to proceed if you want a simple bank account is to apply for our Select bank account, which also has no monthly fee, and has an option to apply for an Arranged Overdraft. It also comes with a contactless debit card. 
  • You may be successful in your Select application, or if we think Foundation would be more suitable, then we will offer this to you during the application process. 

Product features…

Everyday support

You can set up text alerts and manage Direct Debits in a convenient way to pay for household bills or memberships to gyms etc.

Mobile Banking app

Our Mobile Banking app is available to Online Banking customers with a UK or international mobile number in specific countries.

24/7 banking

Access your account wherever, whenever.

A contactless Visa Debit Card

Buy things in shops and online, and withdraw your cash from a cash machine

Emergency Cash

If your debit card is lost or stolen, our Emergency Cash service makes sure you can get your money from our cash machines or ATMs (Limits apply).

Why the Foundation account is more suitable for some customers

If you've encountered difficulties with money before, you may not be eligible for a number of our bank accounts.

However, you might be offered the Foundation account if:

  • You have little or no credit history
  • You’re going through bankruptcy
  • You give us incomplete or inaccurate information when you apply
  • You have a low credit score

We know that managing personal finances can be difficult, and improving your credit score is not always easy.

If you're concerned about your finances, you may wish to seek advice from a financial professional, while sites like the MoneyAdviceService can also be a great source of impartial help.

Overdraft details

How do overdrafts work?

An arranged overdraft can be useful for short term borrowing. Understand arranged and unarranged overdrafts and their impact on your account. An overdraft is a form of borrowing and is repayable on demand.

How much will an overdraft cost?

Understand the cost and impact of overdrafts and whether you're eligible to apply for one. If you don't repay what is owed, you could harm your credit score and borrowing capability.

Frequently asked questions

Open a bank account online

Apply online

You’ll be applying for the Select account, and if you’re not eligible we’ll offer you the Foundation account. We'll ask for your information such as address, job etc. Have these ready.

Upload your ID

At the end of your application we might ask you to provide photo ID and proof of address. We’ll also ask for a short video to compare to your photo ID. We'll then check your details with our security partners HooYu or Digidocs.

We'll check your details

We'll check we have everything needed to open your account. Keep an eye out for our welcome email.

Start using your new account

Your new account is open. Register for Online banking, download our mobile app and enjoy hassle free banking.

Get ready to apply

Before you apply, we need to check you're happy with a few things. And ask you a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. You can apply for a Select account if you:

  • are aged 18 or over and a UK resident

During your application, we'll make it clear if you don't meet the criteria for a Select account, and you will then be offered a Foundation account. If we don't mention the Foundation account, you can continue with your application for a Select bank account.

Now please take a look at the important legal info

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

All okay? You’re nearly ready to start.

To speed up your application for our Select account, we need to do a few final checks with you. They'll only take a minute.

What kind of account do you want?

You're all set

Depending on what ID we need to see, we may ask you for:

  • A selfie
  • Photo ID, such as driving licence, Passport or EU ID card
  • Proof of your address, such as a utility bill, bank statement or driving licence

Don't worry, if you don't have these with you when you're applying you can choose to do this later.

You're all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as driving licence, Passport or EU ID card
  • Proof of your address, such as a utility bill, bank statement or driving licence

Look out for an email and text after you have applied from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.