Home Bank Accounts Compare Basic Bank Accounts UK

Listed below are basic bank accounts available under your search. Just click on the more information button to get further details about any free basic bank accounts.

rbs interest paying current account review Basic Bank Account 0.8% Free Free debit card Free day to day Banking

natwest plus current account review Basic Bank Account 0.8% Free Free debit card Free day to day Banking

hsbc current account review Basic Bank Account 0.8% 19.9% Free debit card Free Banking account

SANTANDER esaver account review Basic Bank Account 2.5% N / A Free debit card £1.00 Deposit - over 16 years

first direct Card review Basic Bank Account 2% 0% Free debit card Free when you pay £1500 mth

alliance and leicester account review Over 21 Bank Account 0.10% Free Free debit card Free when you pay £500 mth

ONE BANKING guaranteed bank ACCOUNt Review Guaranteed Bank Account N / A N / A Prepaid MasterCard £30 fee + £12.50 monthly fee

clearcash account review Guaranteed Account N / A N / A Prepaid MasterCard £4.50 fee + £9.99 monthly fee

cashplus deluxe account review Guaranteed Online Account N / A N / A Prepaid MasterCard £4.95 fee + £9.95 monthly fee

natwest gold account review Natwest Gold Account 0.12% Free Free debit card £12.95 monthly fee

halifax rewards account review Halifax Rewards Account £5.00 Free Free debit card £12.50 monthly fee

rbs gold account review RBS Gold Account 0.12% Free Free debit card £12.95 monthly fee

hsbc plus account review HSBC Plus Account 0.8% 17.9% Free debit card £12.95 monthly fee

alliance and leicester Premier direct account review 21 Premier Direct Account 6% Free Free debit card Free when you pay £500 mth

Lots of banks and some building societies offer basic bank accounts In most cases they provide you with a debit card which you can use as to pay for your shopping and or you can use cash machines near where you live or work for free (read any terms and conditions regarding charges).

Can I open a basic bank accounts whatever my credit history?

In most cases yes but it does depend on the bank or building society who is able to open a basic bank accounts. The bank or building society may do a credit check to see your credit history, to check to see if you have been made bankrupt or have any county court judgments (CCJs) against you. But even if you have, you may still be able to open an account

I am bankrupt, is there any bankruptcy bank accounts?

Not all basic banking accounts accept people who are bankrupt, in fact there are only several bankruptcy bank accounts available they are Barclays, Nationwide, card one banking and the Co Operative.

How do I keep track of my money with basic bank accounts?

You usually get a monthly or 3 monthly statement in the post or you can register online for internet banking, Nearly all providers now offer mobile banking which is a secure and instant way to keep in direct control of your finances whilst on the move.

With most basic bank accounts you can check how much money you have and get a mini statement from a cash machine showing the most recent transactions.

What if there is not enough money in my account to pay a direct debit or standing order?

With basic bank accounts you cannot go overdrawn because you won't get an overdraft facility. But if you pay your bills by direct debit or standing order and there isn't enough money in your account, then they will not make the payment but you may still be charged.

Some account providers may cancel your direct debits or standing order, or even close your account You will still have to pay the bill as well as any charges they may impose so it is really important to make sure you have enough money in your account to pay your bills.

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Useful information - What is a Debit Card

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