Cashplus Cashplus Deluxe Account
Monthly ChargeAccount FacilitiesCard Type
£9.95Direct Debits, Standing Orders & Free ATM withdrawalsPrepaid Card
100% instant approval. No hidden or penalty charges. Add Creditbuilder to improve your credit rating
Ffrees Family Account
Monthly ChargeAccount FacilitiesCard Type
£0Standing Orders & £0.75 ATM withdrawalsPrepaid Debit Card
Have your wages, pension or benefits paid in for free. Includes 'cashback' style rewards with thousands of well known retailers.
No monthly fee, however, £2 a month If you do not use your Ffrees Account for two consecutive months.
Ffrees Plus Account
Monthly ChargeAccount FacilitiesCard Type
£2.50Standing Orders & £0.50 ATM withdrawalsPrepaid Debit Card
eccount money Current Account
Monthly ChargeAccount FacilitiesCard Type
£12.50Standing Orders & £0.50 ATM withdrawalsPrepaid Debit Card
Guaranteed Acceptance Current Account - Alternative bank account with VISA Prepaid Card, FREE mobile app & cashback.
Ffrees Premium Account
Monthly ChargeAccount FacilitiesCard Type
£5Standing Orders & £0.25 ATM withdrawalsPrepaid Debit Card
Have your wages, pension or benefits paid in for free. Includes 'cashback' style rewards with thousands of well known retailers.
thinkmoney Personal Account
Monthly ChargeAccount FacilitiesCard Type
£14.50Direct Debits, Standing Orders & Free ATM withdrawalsPrepaid Debit Card
With personal money manager service and day-to-day help getting the bills paid, so you know exactly what you can afford to spend
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged EAR (variable).
Secure Trust Bank Prepaid Bank Account
0121 6676455
Monthly ChargeAccount FacilitiesCard Type
£12.50Direct Debits, Standing Orders & £0.50 ATM withdrawalsPrepaid Card
No credit checks, No Hidden fees or charges, No charges for bounced Direct Debits or Standing Orders, earn up to 4% cash rewards.
CardOneBanking Guaranteed Acceptance Bank Account
Monthly ChargeAccount FacilitiesCard Type
£12.50Standing Orders & £1.50 ATM withdrawalsPrepaid Card
Basic Bank Account with No Credit Checks, Guaranteed Acceptance, No hidden charges or penalty fees.
ClearCash iCount Pay Monthly
Monthly ChargeAccount FacilitiesCard Type
£9.95Direct Debits, Standing Orders & £0.50 ATM withdrawalsPrepaid Card
Ffrees Diamond Account
Monthly ChargeAccount FacilitiesCard Type
£10Free ATM withdrawalsPrepaid Debit Card
Free Hi-Life Diner's Club membership, giving you 2 for 1 dining at over 5000 UK restaurant (Normally £69.99). T&Cs apply, see website for details.
Bank of Ireland Basic Cash Account
Monthly ChargeAccount FacilitiesCard Type
£0Direct Debits & Free ATM withdrawalsCash Card only
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged EAR (variable).
Bank of Scotland Cash Account
Monthly ChargeAccount FacilitiesCard Type
£0Direct Debits, Standing Orders & Free ATM withdrawalsDebit Card
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged EAR (variable).
Barclays Cash Card Account
Monthly ChargeAccount FacilitiesCard Type
£0Direct Debits, Standing Orders & Free ATM withdrawalsDebit Card
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged EAR (variable).
Clydesdale Bank Readycash Account
Monthly ChargeAccount FacilitiesCard Type
£0Direct Debits, Standing Orders & Free ATM withdrawalsDebit Card
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged EAR (variable).
Danske Bank Danske Basic
Monthly ChargeAccount FacilitiesCard Type
£0Direct Debits, Standing Orders & Free ATM withdrawalsDebit Card
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged EAR (variable).
First Trust Bank Basic Bank Account
Monthly ChargeAccount FacilitiesCard Type
£0Direct Debits & Free ATM withdrawalsDebit Card
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged EAR (variable).
Halifax Easycash
Monthly ChargeAccount FacilitiesCard Type
£0Direct Debits, Standing Orders & Free ATM withdrawalsDebit Card
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged EAR (variable).
HSBC Basic Bank Account
Monthly ChargeAccount FacilitiesCard Type
£0Direct Debits, Standing Orders & Free ATM withdrawalsDebit Card
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged EAR (variable).
Lloyds Bank Cash Account
Monthly ChargeAccount FacilitiesCard Type
£0Direct Debits, Standing Orders & Free ATM withdrawalsDebit Card
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged EAR (variable).
Metro Bank Cash Account
Monthly ChargeAccount FacilitiesCard Type
£0Direct Debits, Standing Orders & Free ATM withdrawalsDebit Card
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged EAR (variable).

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How to Find the Best Basic Bank Account

by Cormac_Reynolds

Basic bank accounts offer all the basic facilities you need for day to day banking but and are ideal for those who have a history of bankruptcy or a poor credit rating.

Man Writing Cheque

Just as the name suggests basic bank accounts are a completely no frills version of the standard current accounts on offer in the UK.

These basic accounts fundamentally offer users an account in a bank to store money and an ATM card which you can use to draw money from a cashpoint.

While some accounts offer debit cards that can be used to pay for goods online and in shops, this is by no means the case for all. However, a basic bank account with debit card will allow you to pay online and make life a lot so it is an option worth looking for.

As an alternative, some basic bank accounts do come with a prepaid card that can be used in a similar way providing you have sufficient funds loaded onto it to cover any purchase. This is a good option if you are just looking for a basic but are also looking for the flexibility of being able to spend on a card without the worry of overspending.

It is also possible to get a basic bank account with cheque book in some banks if you feel the need.

Direct debits are another banking facility that's offered by some, but not all basic bank account so if it's a facility you will use you should make sure you look for it when you compare basic bank accounts.

However, basic accounts don't pay any interest on credit and don't come with an overdraft facility. For this reason they are generally offered to people with bad credit ratings.

The basics on the basic bank account

You'll find that banks rarely mention or advertise their basic current account; this is because banks fail to make much money from such accounts so it's in their interest to keep their existence quite.

So, when looking for the best deal on a basic account you won't usually get one in a bank unless you ask directly and explain yourself thoroughly.

The exception of course is if you use our basic bank account comparison that lists, and enables you to apply for all the basic bank accounts on offer in the UK. However, just because banks don't make much money from these accounts it doesn't mean they are completely free.

While many do not charge a monthly usage fee, some do (although these generally come with a prepaid card) and you'll need to take this into consideration when you're choosing the best account for your circumstances.

There are also likely to be large charges on unauthorised transactions, such as if a direct debit payment comes out of your account and you don't have the funds to cover it. This means that such accounts have to be managed stringently to ensure no such issues come about.

Bad credit?

People, who have been bankrupt, have been subject to County Court Judgements or serious defaults generally struggle to get accepted for standard financial products.

In this instance a poor credit rating may leave you with a basic bank account as your only option.

You must also have to have some form of photo ID and proof of address to get one of these basic accounts, but most banks allow you to open a basic bank account online.

Most accounts can also be accessed online, over the phone or through a branch.

Though these accounts aren't as versatile as normal current accounts they are still excellent for people in certain situations and with a little online comparison you will find the best basic bank accounts in the UK to suit your needs.