If you are having problems opening a bank account because of a poor credit rating or even with no credit history at all, you will be relieved to know that you CAN open a personal current account at a UK Bank.
You may have been refused a bank account if your credit record includes any of these:
You may not know why you keep getting refused at bank after bank. The only way to find out where the problem lies is an examination of your credit file.
'Thanks for your help, I have been trying to open a bank account but with my credit history, no one wanted to help me' - Sean M - West Midlands
Even if your credit file is in good order your financial circumstances may mean that your resulting credit score is so low that you will still be refused a normal current bank account complete with cheque book, cheque guarantee card, Switch or Visa Delta debit card and overdraft facility.
Banks prefer customers with regular incomes that are paid directly into their bank accounts, so if your salary isn't paid this way, or if you are in a position where your income is spasmodic, this may create problems for you.
'It took me hours searching for the right information and I still didn't know where to go, so this has really saved me a lot of time and effort as I now know exactly what to do, thanks and it was worth every penny!' - Stewart McD - Brighton