How to open a bank account in the UK (even as a foreigner or student)? Discover the easiest way to set up a UK bank account, what documents you need, and which banks are best for international newcomers.
So, you’ve landed in the UK—maybe for studies, work, or just a fresh start—and one of the first things on your to-do list is opening a bank account. Seems simple enough, right? But for foreigners or international students, it can sometimes feel like jumping through hoops.
The good news? It’s totally doable—and this guide breaks it down for you, step by step, in a clear and friendly way.
Why You Need a UK Bank Account
First things first: why even bother?
Well, if you plan to live, work, or study in the UK, you’ll need a local bank account for things like:
- Receiving your salary
- Paying rent or bills
- Getting a student loan or scholarship
- Avoiding foreign transaction fees
- Managing your money more easily
Using an overseas account for daily expenses in the UK gets expensive fast. Foreign exchange fees, delays in transfers, and payment issues with local services can turn into a nightmare.
Can a Foreigner or Student Open a UK Bank Account?
Yes! Whether you’re from outside the UK or just arrived as an international student, you can open a UK bank account. You might not qualify for all account types, but many banks offer specialized accounts just for non-residents and students.
Some banks also allow you to open an account online before you arrive, which can save a lot of hassle.
What You’ll Need: Documents Checklist
To open a bank account in the UK, you’ll typically need:
- Proof of identity – Valid passport, national ID card, or biometric residence permit (BRP)
- Proof of UK address – Recent utility bill, tenancy agreement, council tax bill, or a letter from your university
- Proof of student status (if applicable) – Letter of acceptance or student ID
Some banks are stricter than others, so it’s best to check their specific requirements on their website.
Pro tip: If you don’t have a UK address yet, consider banks like Monese or Revolut. They let you sign up with just your ID and no proof of address.
Top Banks for Foreigners and Students in the UK
Here are some popular and reliable options that work well for newcomers:
1. HSBC
- Offers an international student account
- Can apply online
- Branches across the UK and internationally
2. Lloyds Bank
- Student and classic accounts
- Friendly to EU and international applicants
- Easy-to-use mobile app
3. Barclays
- Long-established and trustworthy
- Offers “International Student Additions Account”
- Allows online booking of appointments
4. Monzo & Starling Bank (Digital-Only)
- App-based banks with super simple signup
- Good for tech-savvy people
- Great budgeting features
- Lower requirements—perfect if you don’t have all your documents yet
5. Revolut & Monese (Non-traditional, Instant Setup)
- No proof of address needed
- Signup with just your phone and ID
- Not full-service banks, but great for daily use and sending/receiving money
Step-by-Step Guide to Open a UK Bank Account
- Pick the right bank based on your needs: Do you want a physical branch nearby? Or is an app-only experience okay?
- Gather your documents: Make sure your ID and address proof are ready and up to date.
- Apply online or visit a branch: Many banks now let you do the whole thing from your phone. If not, book an appointment at a branch.
- Verification: The bank will verify your identity and documents. This can take a few days to a week.
- Start banking! You’ll receive your debit card, account number, and can start managing your money.
What If You Don’t Have All the Required Documents?
Don’t worry, you still have options.
- Use a digital bank like Monese, which doesn’t need proof of address.
- Ask your university for a letter confirming your student status and term-time address.
- Some banks accept a letter from your employer or landlord if you don’t have bills yet.
Tips to Make the Process Smoother
- Set up an appointment at a local branch if applying in person—walk-ins are often not accepted.
- Open your account early—right after you land if possible, before you start needing it for bills or tuition.
- Double-check document names and addresses—they should match exactly, or your application might get delayed.