Opening a bank account in the UK without a proof of address is a straightforward process. It’s easy. Some banks in the UK require you to submit personal details and a proof of address such as phone bill, electricity bill, water or gas bill. However, if you are homeless or new to the country, you may not be in possession of proof of address. How can I open a bank account without proof of address? In this article, we will show you how to open a UK bank account without proof of address.
UK bank account without proof of address
- Some traditional banks such as HSBC and Loyds have a special banking service if you are homeless. You can also get a bank account here without proof of identity. This service runs through the official homeless shelters.
- Other online banks such as Monese and Revolut do not require a proof of address. The on-boarding process is fully online. You only need a smartphone, an official proof of identity and a mailing address in order to receive your cards. You cannot go and pick them up from an office.
UK Banks that Don’t Require Proof of Address
Most banks in the UK will need documents to prove your identity and address. However, opening a bank account in the UK without proof of address is possible. You can open bank account without proof of address if you are homeless and have no fixed residential address.
An official ID with a photo is required for many banks. This can be a challenge for someone without a driving license, i.d. card or passport. Citizencard offer age verification ID which could be a first step to getting some ID.
HSBC UK offers UK bank account without proof of address, the No Fixed Address, for homeless people without a fixed address. The service resulted from HSCB UK’s initiative to offer bank accounts to victims of human trafficking and modern day slavery.
How No Fixed Address Works
If you are homeless and want a bank account, you can verify your identity with a signed letter from the manager of a homeless shelter and open a basic bank account. HSBC UK works with homeless charities such as Crisis and Shelter for this service. A basic bank account allows you to bypass proof of address requirement.
The Lloyds Bank works with local UK charities to help homeless people to help them open a bank account without address. At the moment, the bank works with charities in Glasgow, Cardiff and London.
Monese, a virtual financial service provide in the UK, offers no proof of address instant bank account in partnership with ProxyAddress. ProxyAddress is a service that gives proxy address details to those facing homelessness, so they can access vital services like banking. The bank only needs a selfie and a photo of your passport or national ID card. Moreover, Monese doesn’t credit score new customers.
Monzo is another UK virtual bank with no physical branches. When you open a bank account with Monzo, the bank doesn’t ask you for proof of address, They only verify your date of birth. Note that the bank will still need any of these documents: passport, driving licence (even a provisional one), national ID or any other government photo ID. You don’t have to visit a branch though to show these. Proving your identity goes totally through an online process. You do need to provide an address to receive your card though – if you order one.
Revolut is another example of a digital bank whose services are offered through an app and a payment card. You can open a UK current account easily from your phone that allows you to hold multiple currencies without a proof of address. Proving your identity goes totally through an online process. You do need to provide an address to receive your card though – if you order one.
Transferwise Borderless Account, now Wise Multicurrency account, is a free virtual bank account. If you open multi-currency account from Wise, you can choose for yourself how you want Wise to verify your identity. If you don’t have a proof of address, you can use a copy of a photo ID, like a passport or driving license. It will take a day or two to verify your ID.
Suits Me is an alternative banking solution offering an e-account with mobile banking app and a Visa debit card. You can open a bank account with Suits Me without a proof of address in the UK. To open your bank account within 10 minutes without a proof of address, you need one of these documents: passport, driving license, national ID card.
Opening Bank Account in the UK Without Proof of Address
You should know that every single bank has got its own specific requirements. After you have selected the bank you want to open account with, you need to ask them how to open a bank account in UK without proof of address for you to know the process to follow and needed documents. The banks we have covered in this article do not require the standard verification of proof of address. Therefore, you can open a bank account without a proof of address in the UK.
According to the UK charity, Shelter, there are estimated 320,000 homeless people in the UK. Homeless people in the UK are entitled to disability benefits and pensions, which require a bank account. However many banks in the UK still want you to provide a proof of address.
Documents Needed to Open a Bank Account in the UK
Generally these documents are needed if you want to open an current account at any given bank. Online banks often don’t ask for a proof of address.
- Proof of your identity such as a passport, drivers licence or national identity card.
- Proof of address. This can be a utility bill (phone, water, electricity, etc), rental contract, council tax bill.
- In some cases, you can also use electoral register entry, NHS Medical card, local job centre, a letter from the warden of a homeless shelter or a letter from your GP.
Types of Bank Accounts in the UK
There are many types of bank accounts in the UK. A current account is the most common account for paying bills and receiving a salary. A current account usually gives you an online app and a debit card. Some also offer a check book and overdraft facility; the bank accounts that come without a proof of address usually don’t.
Can a homeless person open a bank account UK?
Yes. Homeless people in the UK can open a bank account without the need for photo ID or proof of address. Several banks offer this possibility to help homeless persons in the UK.