How to Open a Bank Account in the UK? | 2025 Guide
How to Open a Bank Account in the UK? – 2025 Guide 💳
If you are planning to live, work, or study in the United Kingdom, one of the most important steps you need to take is opening a bank account. Thanks to the UK’s well-regulated and reliable banking system, this process is fast, secure, and highly practical.
In this guide, you will find detailed information about how to open a bank account in the UK, required documents, types of banks, and alternative solutions. ✨
Why Do You Need a Bank Account in the UK?
In the UK, a bank account is required for many everyday transactions, such as:
Rent payments 🏠
Salary or student payments 💰
Utility bills (electricity, internet, water, phone) 📶
Tax, NHS, and social security processes
Especially for students, newcomers, and employees, opening a bank account significantly simplifies daily life.
🏦 Types of Banks You Can Choose in the UK
Depending on your needs, there are three main types of banks you can choose from:
1. Traditional (High-Street) Banks
Examples: HSBC, Barclays, Lloyds, NatWest
Advantages:
In-person customer service
Wide ATM network
Financial advisory services
2. Digital / Online Banks
Examples: Monzo, Starling Bank, Revolut
Advantages:
Fast application process and low fees
User-friendly mobile apps
Flexible verification processes for newcomers
3. Banks Suitable for Immigrants and International Customers
Some online banks such as Revolut and Monzo, as well as certain traditional banks, offer more flexible acceptance processes for people who have recently moved to the UK.
📄 Required Documents to Open a Bank Account in the UK
As of 2025, most banks typically require the following documents:
Passport or valid ID
Proof of UK address (rental agreement, utility bill, or bank letter)
National Insurance Number (NIN) – optional for some banks
Proof of income or employment (may vary by bank)
Student certificate for international students
Online banks often allow you to open an account using only a passport and video verification.
🛠️ Step-by-Step Process to Open a Bank Account in the UK
Choose a bank – Select the bank and account type that best suits your needs.
Apply – Complete your application online or at a branch.
Identity verification – Verify your identity in-branch or via video verification.
Address verification – Your card and documents are sent to your registered address.
Activate your account – Once your card arrives, you can start using mobile banking.
Things to Know Before Opening a Bank Account in the UK
Some banks may request a credit history or references.
Digital banks are usually faster and require fewer documents.
Account maintenance fees vary by bank; some offer free accounts.
Many banks require you to be physically present in the UK during the application process.
🚀 Sending Money to the UK Without a Bank Account – kuikpara
You do not need a bank account to send money to the UK. With kuikpara, you can:
Send money to the UK without a bank account
Make fast and secure transfers
Benefit from low-cost and transparent transactions
Track transfers in real time ✅
You can send money from Turkey to your family members or business partners in the UK within minutes.
📲 How to Use kuikpara?
Download the app 📱
Download the kuikpara app from the App Store or Google Play.Create an account ✍️
Register quickly using your phone number and email address.Verify your identity ✅
Complete the identity verification process for secure transactions.Top up and send money 💸
Add funds to your wallet and instantly transfer money to UK accounts or cards.
Frequently Asked Questions (FAQ) ❓
How long does it take to open a bank account in the UK?
Online banks usually take 10–20 minutes, while traditional banks may take 1–3 days.
Can I open a bank account before moving to the UK?
Traditional banks usually do not allow this, but some online banks may be more flexible.
Do I need a bank account to send money from Turkey to the UK?
No. With kuikpara, you can make fast and secure transfers without a bank account.