Studying and living in the UK

Opening a bank account

• How do I open a bank account in the UK?
• The bank won't open a bank account for me. What can I do?

How do I open a bank account in the UK?

You can find information about choosing and opening a bank account in these documents:

International students: opening a UK bank account - British Bankers Association

Basic bank accounts: your questions answered - Financial Services Authority (FSA)

Tips on opening a bank account:

• If you want an account based on Sharia principles, check banks' websites and publicity materials. Some mainstream banks offer accounts and services that meet these principles and there are also a few specialist banks that operate in accordance with them.
• You might be able to prevent tax being deducted from your interest - ask your bank or building society for form R105 when you open your bank account.
• Once you have opened a bank account in the UK, always let your bank know in writing and as soon as possible if you change your address.
• If you are leaving the UK for a long break, for example the summer break, let your bank know - otherwise they might treat your account as 'dormant' and close it.

The bank won't open a bank account for me. What can I do?

The National Union of Students (NUS) has information to help you challenge a bank if it will not open an account for you.

The Financial Services Authority publication Checking your identity: the fight against money laundering, financial crime and terrorism explains why banks ask you to prove your identity and what to do if you are having difficulty proving your identity.

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