Apply for a Basic Current Account

If you've checked that this account is right for you, we have 2 ways to apply.

Is this the right account for you?

Compare this account to the Everyday Current Account to make sure it's right for you. 

Basic Current Account

May be right for you if you’ve been turned down for a standard current account, have a poor credit history, are bankrupt or are new to the UK for work or study purposes

  • A non-contactless debit card, which has restrictions on some transactions, such as subscriptions services and pay at the pump petrol stations
  • No fee to maintain the account
  • No unarranged overdraft charges

With this account you won’t get:

  • A contactless debit card
  • A chequebook
  • An arranged overdraft

Everyday Current Account

A simple, straightforward account with no monthly account fee

  • A contactless debit card
  • No fee to maintain the account
  • You can apply for an arranged overdraft facility if you’d like one (subject to status)
  • No unarranged overdraft charges


Find out more about the Everyday Current Account

Or, see our full range of current accounts

Key Facts Document and Terms & Conditions

We’ll email you copies, but you should read and consider these documents before you apply (you can also print or save them). If you have any questions or need further information, please contact us. To see these documents, you may need to download Adobe Reader

We’ll carry out a credit check when you apply.


  • We’ll send your statements and other important information to your e-Documents section in Online Banking.
  • You can ask to receive your statements and important information by post using Online Banking, in one of our branches or by phone.
  • If you want more information on paper-free, or you don’t want to receive your documents this way then contact us.

If you are applying on behalf of other applicants you must have their authority to act on their behalf. During the application you will be asked if you want to hear about products, services and offers that may be of interest. Please note the preferences you select will apply to all applicants and will override any previous preferences given. If you, or any joint account holder, would like to amend those preferences please contact us at any time.

Apply (joint account)