Lloyds TSB has stepped up efforts to minimise financial exclusion among Britain's incoming migrant communities by launching the Silver account.
Tailor-made for newly-arrived British residents, and Polish people in particular, the account couples a standard Visa debit card with features including travel insurance in Europe for new residents returning to visit family and friends.
With money transfer a core activity of new population groups, Lloyds also offers a money card which can be loaded up with cash and mailed back for use wherever Visa is accepted in the world.
Transferring money safely and easily is the top banking priority among Britain's growing Polish community, with between £100 and £500 transferred on each occasion, Lloyds' research found.
By bringing new arrivals immediately into the banking fold, Lloyds hopes to secure their future loyalty as well as stabilising their financial situation.
The move by the high street bank mirrors initiatives from rivals including HSBC, whose Passport account, introduced last summer, offers cut-price international money transfers.
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