Our Foundation bank account

Although it’s unlikely, you can still be refused a basic bank account if:

• You can’t provide proof of ID.
• Your ID or email address is linked to fraudulent activity.

To work out your credit score, we look at:

• Information you give us when you apply.
• Information from credit reference agencies.
• Your account history with us.

We give you points for relevant information and then add them up to get to your credit score.

For more details, take a look at our guide to credit scoring.

Your credit score may be one of several factors we consider when you apply for a bank account. Credit scoring is a consistent, accurate and fair system we use to predict or assess risk. If your score is too low, your application may be denied.

However, we might offer you the chance to open a Foundation account instead.

If you have a low credit score, it may mean that you have a poor credit history, a history of debt, or a record of not paying bills on time. However, it can also simply mean that you have no history of borrowing.

For many lenders, a low credit score represents higher risk. So, it may be more difficult to access finance or open a bank account.

If you’d like more information to help you bank smartly, visit our Managing your Money page for some tips. Choose one of the options for helpful hints on budgeting, saving towards a particular goal and understanding borrowing.

Yes, we’ve created a dedicated page which has all the support you need to open an account with us.

The page is also available in Ukrainian and Russian. It includes further information about the account, as well as support for refugees you may find useful.

Read our Ukrainian refugee account opening guide

To apply for this account you must be 18+, a temporary UK resident and hold either an in date Biometric Residence Permit, Ukrainian international passport or Ukrainian national ID card (see account for full details).