Current Accounts with no Credit Check

If you already have a current account, it is possible that you could get a much better deal elsewhere. Therefore, you might wish to compare current accounts to see what is available. Switching current accounts is much easier than you might think, with many banks and building societies offering a dedicated switching service.


Applications for current accounts will normally be subject to a credit check, particularly for those which stipulate that an overdraft will be required.


If you are interested in finding out how you would score on a credit check for a current account, you may wish to access a credit report, available from a number of agencies used by banks.

 

FREE Credit Report for 30 Days »


If you are looking to find a current account where no credit check is needed, you may wish to look at a more basic bank account instead; these may not offer you an overdraft facility, but you may still be able to set up direct debits and use online banking, dependent on the account.

 

For latest deals on current accounts see below:

Latest Current Account Deals for Bad Credit
ProviderAccount Set Up FeeFee per monthFeaturesApply
N/A£12.50No credit checks.** Prepaid MasterCard. No account opening fee. More Info >
Cardonebanking Current Account

  • No credit checks**
  • No account opening fee 
  • Cardonebanking Prepaid MasterCard
  • Additional card available
  • One-to-one account management advice to help you manage your spending
  • Manage your account online
  • Must be 18 or older
  • Maximum card balance £5,000
  • £12.50 monthly fee
  • Additional card charged at £5 per month
  • Other charges apply for ATM withdrawals and overseas card usage (see terms and conditions for details)
£4.95£9.95No credit checks**. Prepaid MasterCard. Credit Building facility. More Info >
ClearCash Current Account

  • No credit checks**
  • Choose from Pay Monthly or Pay As You Go options
  • Credit building facility through Credit Builder (Ts&Cs apply, see website for details) 
  • Prepaid MasterCard
  • Up to four additional cardholders can be added to the account
  • Set up Direct Debits, standing orders and bill payments from your account 
  • Get text alerts to help you keep track of your spending 
  • Must be 18 or older to open an account
  • Maximum card balance £5,000
  • £9.95 monthly fee for Pay Monthly option
  • 2.5% transaction fee for Pay As You Go option
  • Additional card charged at £4.95
  • Other charges apply for ATM withdrawals and overseas card usage (see terms and conditions for details)
£4.95£9.95No credit checks.** Up to 20 free payments and standing orders a month. Prepaid MasterCard.More Info >
CashPlus Prepaid MasterCard (Deluxe)  

  • No credit checks**
  • Make up to 20 free payments and standing orders a month
  • Prepaid MasterCard
  • Earn CashBack rewards as you spend
  • Free UK cash withdrawals 
  • Can help rebuild your credit rating (see terms and conditions for details) 
  • Must be 18 or older
  • Maximum card balance £5,000
  • £9.95 monthly fee
  • Card issue fee £4.95
  • Additional card charged at £4.95 per month
  • Other charges apply for overseas ATM withdrawals, rejected Direct Debit payments, and overseas card usage (see terms and conditions for details)

**See Terms and Conditions

Upon opening a new current account or switching your existing current account, you may be entitled to introductory rewards, such as cash back or higher interest rates. Therefore it could be a good idea to compare current accounts.


A current account could also offer you:

  • A debit or cash card
  • A chequebook
  • The facilities to set up Direct Debits
  • Access to online banking
  • Overdraft facilities.


In order to find the best current account available to you, it is essential for you to compare several different current account providers - see our table above to compare latest deals.