Best Bank Accounts

Compare the best basic bank accounts, aimed at people who have no credit history or an adverse credit score, as chosen by our team of independent experts.

Basic Bank Accounts

Essential Current Account
Interest Rate (AER)

0.75%

Allow Standing Orders or Direct Debits
  • Direct Debits
  • Standing Orders
Debit Card
Additional information
  • Credit interest payable
  • Account can be opened only in branch
  • No minimum funding requirement
FlexBasic
Interest Rate (AER)

0.00%

Allow Standing Orders or Direct Debits
  • Direct Debits
  • Standing Orders
Debit Card
Additional information
  • Debit card, Direct debits, standing orders
  • No credit interest paid
  • Switch Service Guarantee member
Control Account
Interest Rate (AER)

0.00%

Allow Standing Orders or Direct Debits
  • Direct Debits
  • Standing Orders
Debit Card
Additional information
  • High ATM withdrawal limit of £500 per day
  • No account benefits
  • Switch Service Guarantee member
Basic Account
Interest Rate (AER)

0.00%

Allow Standing Orders or Direct Debits
  • Direct Debits
  • Standing Orders
Debit Card
Additional information
  • Rebate on Halifax mortgage
  • Funding of £1000pm required for mortgage benefits
  • Switch Service Guarantee member
Readycash
Interest Rate (AER)

0.00%

Allow Standing Orders or Direct Debits
  • Direct Debits
  • Standing Orders
Debit Card
Additional information
  • Operate via web, phone or post
  • No credit interest
  • Switch Service Guarantee member
Basic Current Account
Interest Rate (AER)

0.00%

Allow Standing Orders or Direct Debits
  • Direct Debits
  • Standing Orders
Debit Card
Additional information
  • Manage via Smartphone App
  • No credit interest
  • Switch Service Guarantee member
Basic Bank Account
Interest Rate (AER)

0.00%

Allow Standing Orders or Direct Debits
  • Direct Debits
  • Standing Orders
Debit Card
Additional information
  • Can be managed at Post Offices
  • No account benefits
  • Switch Service Guarantee member
Foundation
Interest Rate (AER)

0.00%

Allow Standing Orders or Direct Debits
  • Direct Debits
  • Standing Orders
Debit Card
Additional information
  • Open via phone or branch
  • From age 18 only
  • Switch Service Guarantee member
Basic Account
Interest Rate (AER)

0.00%

Allow Standing Orders or Direct Debits
  • Direct Debits
  • Standing Orders
Debit Card
Additional information
  • Open via phone, post, web or branch
  • Available from age 18 only
  • Switch Service Guarantee member
Basic Account
Interest Rate (AER)

0.00%

Allow Standing Orders or Direct Debits
  • Direct Debits
  • Standing Orders
Debit Card
Additional information
  • Commission free travel money
  • No credit interest
  • Switch Service Guarantee member

Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts. Where we have been able to we have also provided a link for you to apply online today. Products shown with a yellow background are sponsored products.

Disclaimer:
All information is subject to change without notice. Please check all terms before committing yourself.

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