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Opening a UK bank account as a newcomer

Digital banks (Monzo, Starling, Revolut) vs high-street banks, what ID you need, and how to get an account before you have proof of address.

Digital banks (Monzo, Starling, Revolut) vs high-street banks, what ID you need, and how to get an account before you have proof of address.

Key points to understand

Accounts you can open with just a passport + visa

Accounts you can open with just a passport + visa. In practice, this is one of the details newcomers most often ask about, so take a moment to understand how it applies to your situation before moving on.

High-street vs app-only banks: what matters

High-street vs app-only banks: what matters. In practice, this is one of the details newcomers most often ask about, so take a moment to understand how it applies to your situation before moving on.

Tram on a city street
Illustrative photo for opening a uk bank account as a newcomer.

Getting paid: sort codes, account numbers, salary setup

Getting paid: sort codes, account numbers, salary setup. In practice, this is one of the details newcomers most often ask about, so take a moment to understand how it applies to your situation before moving on.

Practical tips

  • Prepare your documents and translations in advance — most delays come from missing paperwork.
  • Always note the office name, address, and a contact number before you go.
  • Ask the community on MyHAbroad if you’re unsure — chances are someone has already been through it.
Trusted sources

Always verify with official sources before acting on the information above.

MyHAbroad is an independent app and is not affiliated with, endorsed by, or representing any government or public authority. Content is general information only — not legal, tax, medical, or financial advice. Always confirm details with the official sources above before acting.