Best bank account for poor credit – easy to open

Have you got poor credit history and finding it difficult to open a bank account?

Band account for bad credit

Here are the best bank accounts to open, if you have a poor credit history.

1. Cashplus

If you are looking to open a hassle free account, you can do that Cashplus.


There is a free account and also a paid monthly account. With the free account, there is a fee of £9.95 for the contactless Master card. The paid monthly account is £5.95 but you only pay £5.95 to receive your contactless Master card.

You can manage your bank account with an app or online. So, you can access your account anytime.

You can do your regular banking transactions such as standing orders and direct orders. Also get payment alerts when on your transactions.

You can get purchase protection on a lot of items purchased online. And, if you need to deposit money into your account, they you can do that at any Post Office.

You can get more information, here: Cashplus Bank.

2. Card One Money

If you need to open a quick bank account, you can do that with a Card One Money account.

With Card One Money account you will be paying a monthly fee of £12.50.

There is no credit check, so if you have a bad credit score, you can still qualify for a bank account. And, when you sign up with Card One Money, they will deliver your sort code and account number by text within minutes.

Can can do your regular banking transactions like setting up standing orders. And, there is a 3.5% cash back reward.

Get more information, here: Card One Money.

3. Pockit


Get a Pockit prepaid master card to do your banking for £1.99 per month.

Features and benefits

If you need to open a quick account, you can open a Pockit account in 3 minutes. You can open your account online or on an app.

You can get an account whatever your credit history. And, you can get cash back from some high street retailers. You can get 3 free additional cards.

You more information on Pockit, here: Pockit Bank.

4. Suits Me


You can open the Essential account for free or get a monthly paid account from £4.97.

Features and benefits

There is no credit check so you can open an account with any credit history. You can open an account easily online or with an app.

There are also exclusive cash back rewards and deals you can get from partners.

Get more information, here: Suits Me Bank.

5. Revolut


The Personal account is free.

Features and benefits

Revolut do not do any credit checks so you can open an account with a bad credit history.

Connect your account to pay with Google Pay and Apple. And get cash back and rewards from top brands.

Get more information, here: Revolute Account.

Why is having a bank account important

Having a bank account is important as you will not be able to work without a bank account. The employer needs to pay your wages into a bank or building society account.

You will also need a bank account to buy goods online and to pay for shopping and financial transactions.

Poor credit history

For people that have poor credit history, then Cashplus, Card One Bank, Pockit and Suits Me provides an opportunity to open a quick account so you can do your regular transactions like receiving payments and making payments.

Build up your credit score

Opening an account with any company will enable you to build up your credit score. When you have built up your credit score you can open a bank account with a traditional bank or building society as well as apply for loans and get accepted for credit.

Additional information

Find out more about insurance regulations, here: Financial Conduct Authority (FCA).

If you need free advice on debt, you can contact your local Citizens Advice or the National Debtline.

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