Bank accounts

Foundation account

No monthly fee

Our basic Foundation bank account

This account might suit you if you’re not eligible for any of the other accounts you apply for. It's a basic account to help you manage your money. To see whether you're eligible for this type of current account you need to first apply for one of our other accounts like our Select bank account.

Our Select bank account has no monthly fee, and has an option to apply for an Arranged Overdraft, it also comes with a contactless debit card. If you don’t meet the criteria for the Select account we may offer you the Foundation account instead. 

To see if you are eligible for our Foundation account:

  1. Apply online below for our Select account
  2. During the application process if the Foundation account will better suit your needs we will let you know within your application

Product features…

Everyday support

Our Foundation bank account is designed to help you with your day to day banking needs. Set up text alerts, email alerts, manage Direct Debits and more.

Mobile Banking app

Our Mobile Banking app is secure, easy to use and lets you do loads of useful everyday banking tasks when you’re out and about. It’s available to customers with Digital Banking and a UK or international mobile number in specific countries.

24/7 banking

Access your account wherever, whenever.

Contactless Visa Debit card

Make purchases in shops and online. Withdraw 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).

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.

How to apply online

Have ID ready

It should only take a few minutes, especially if you have your ID documents handy.

Start your application

You can apply online now. You'll start the Select bank account form and if you're eligible you'll be offered the Foundation account during the application process.

How long will it take

You should be able to complete the online application within an average lunch break.

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.

To open the Select bank account you must meet these requirements, otherwise we may offer you the Foundation account instead.

  • Aged 18+ and a UK resident
  • Have not been declared bankrupt over the past 6 years

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

Your application will be completely online, and you won't need to post us any information or visit a branch.

  1. Tell us a bit about yourself and we’ll set up your account.
  2. Our partner HooYu will then check your identity by matching you to your Photo ID. We might also ask for other information like proof of address. If you don’t have your ID to hand you can finish this step later.
  3. Once they’ve confirmed your identity we’ll activate your account. 

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.