How to open a bank account in the UK

If you're in the UK, whether for work, study, or family, and need to manage your money, you'll likely be looking to set up a bank account to handle daily expenses, receive your salary, and set aside your savings.

However, if you're looking for an alternative to traditional banking with swift set-up and versatile money management tools, why not consider opening a Revolut account? Revolut isn't currently operating as a bank, but instead offers e-money accounts as an e-money institution.

To help you decide what's best for you, we'll walk you through everything you need to know about opening a bank account in the UK. We'll cover who can open a bank account, if it can be done online, and what documents you'll need. Plus, you'll learn how to choose the right type of account for you.

Can I open a bank account online? 

Yes, you can open a bank account online in the UK. Many banks offer this service, allowing you to set up your account remotely. However, some banks may need you to visit them in-person to verify your identity.

Most UK banks offer online account opening to residents and, in some cases, non-residents. You’ll usually need to provide proof of identity and address. Non-residents might face more restrictions, and may need to choose a bank that caters to international customers.

We're currently in the 'authorisation with restrictions' phase after being granted a UK banking licence, which allows us to set up all the changes that come with being a bank. In the meantime, you can still open a Revolut e-money account online and enjoy stacks of features that help you get more from your money.

Can I open a bank account in the UK as a non-resident? 

Can a foreigner open a bank account in the UK? Simply put, you can open a bank account in the UK without being a resident, but the process might be a bit different than for residents. Non-residents may need additional documentation, such as proof of employment or a UK visa, to follow the bank’s requirements.

Which documents do I need to open a bank account in the UK? 

To open a bank account as a resident in the UK, you'll usually need:

• Proof of identity: a valid passport, national ID card, or driving ‌licence
• Proof of address: a recent utility bill, rental agreement, or bank statement from your current address

If you’re not a resident, you might need extra documents, like proof of employment in the UK, a letter from your university (for students), or your visa details.

Which type of bank account should I choose? 

Choosing the right type of e-money or bank account depends on your needs. Here are some common options:

• Current account: ideal for everyday transactions like receiving your salary, paying bills, and shopping
• Savings account: offers interest on your deposits, and is suitable for saving money over time
• International account: designed for non-residents or frequent travellers, and allows you to hold multiple currencies

The Revolut advantage

We're currently in the 'authorisation with restrictions' phase of becoming a UK bank. However, we still offer plenty of features that help your money do more. If you're looking for a flexible and modern account, Revolut could be the perfect choice for you.

With a Revolut account, you can:

• pay bills
• make transfers
• hold balances in multiple currencies
• receive money with local account details
• use a debit card
• set up Direct Debits
• schedule payments
• save and budget to reach your goals

Got shared expenses with family or friends? Check out Joint Accounts to simplify splitting your bills and tracking your shared spending.

In the UK, Revolut isn't a bank but an e-money institution, authorised under the UK Electronic Money Regulations. This means that FSCS protection doesn't apply to the e-money or payment services we provide. That's because it's safeguarded instead. Money is either placed in a dedicated client money bank account we hold with a large global bank, or invested in low-risk liquid assets held in a dedicated client asset account we hold with a large global financial institution.

What are some of the high street banks in the UK?

Several banks in the UK offer different types of accounts, each with unique features. Here are a few to consider:

HSBC
HSBC offers a variety of accounts for both residents and non-residents. They also offer international accounts that support multiple currencies.

Barclays
Barclays offers accounts tailored to new arrivals to the UK, for both personal and business banking needs.

Lloyds
Lloyds has competitive services with accounts designed for students, professionals, and expats, which may suit those looking to move their finances to the UK.

NatWest
NatWest is recognised for its support for new customers, including non-residents, and provides a variety of account options for diverse needs.

How to open a Revolut account

Ready to open an account in the UK? Get started with these simple steps:



• Download the Revolut app from the App Store or Google Play Store
• Open the app, enter your phone number, and create a 6-digit passcode for your Revolut account
• We’ll send you a text message with a 6-digit pin — enter the pin into the app when prompted

Add your name, mailing address, email, and any other requested information to finish setting up your account. It may take a little time to get verified, but once that’s completed, you’re all done! You can now get more from your money with Revolut.