What do you need to open a bank account?
Can I apply for a bank account?
We offer a range of bank accounts, with different features that may fit your needs.
For most of our current accounts, you need to be;
- Aged 18+
- A UK resident
There are a few exceptions. Our Adapt account is for young people; you can apply between the ages of 11 - 17. For our Student bank accounts, you need to be aged 17+.
Some of our accounts have extra eligibility criteria required to apply. If applicable, you can find these on the webpage for the account you're interested in, or in our Current Account Terms & Conditions
How do I prove my identity online?
We want to get your account up and running as soon as possible, so, if we can, we'll ask you to upload some documents as part of your application.
This is important, as it helps us check you are who you say you are.
We'll probably ask for;
- A selfie (don't worry, this is just to help us verify your identity)
- Photo ID, such as: Drivers licence, Passport or EU ID card
- We might also need to see a proof of address, such as: a Drivers Licence, Utility bill, Bank statement or Tax document
Please make sure the documents you use exactly match the information you enter in your application.
Documents we can accept in branch
The quickest way to get an account is to apply online, but if you haven't got the documents for online ID, we accept others when you open your account in one of our branches. You'll need one item to confirm your identity and another document that we can accept as proof of your address.
Looking to open a savings account?
If you want to open one of our Instant Access savings accounts, you must be a current account customer. If you want to open one of our Fixed Term accounts, or ISA's, you'll need to provide proof of ID and address.
New to the UK?
If you're new to the UK or are arriving soon, you'll need to know your new UK address before applying, and enter this during your application.
Once you've applied, we'll ask you for proof of identity and proof of your UK address, which we'll need to verify before we open your account.
If you're coming to the UK to study take a look at our International student account, specific eligibility criteria applies.
Why do banks ask for proof of ID and address?
It's important that banks work hard on processes that help prevent money laundering. This is when criminals try to disguise money that has been made illegally, to use it for their own future purposes.
To do this, criminals often attempt to open a bank account using fake or stolen ID. We try to stop this by verifying all of our new customers as genuine, by asking for proof of identity and often current address.
If you are applying online, we try our best to complete this electronically, using our security partners Digidocs or HooYu, so the process is as easy as possible for you. This is why we ask you to have your ID at hand before you begin your application.