Open a current account with no proof of address - here's how. (2024)

Account 101

There are more people than you would think who have little or no proof of address, not to mention three months of address history. You could be new to the UK for…

Open a current account with no proof of address - here's how. (1)

There are more people than you would think who have little or no proof of address, not to mention three months of address history. You could be new to the UK for work or study reasons, lived with friends informally, been travelling or sofa surfed. If any of these scenarios apply to you, you will struggle to open a high street bank account.

You can open an account with Suits Me with no verified proof of address

To open an account to manage your finances otherwise known as a bank account, you now only need proof of ID using either a valid driving license, passport or National ID card. Modern online financial institutions can now help customers open a bank account with no proof of address. Technology has enabled this. Rather than proving your address, they prove it is you via face recognition to prevent fraud. Biometric recognition is part of everyday life for most smartphone users and the alternative banks now use this to the best effect when processing applications.

What else can you use as proof of address?

  • Mortgage statement from an EU/EEA bank with a UK physical address;
  • Electoral register search confirmation;
  • Your Universal Credit statements. These are valid for 12 months;
  • UK credit union statement. These are valid for 3 months;
  • Government agency letters;
  • HMRC letters;
  • HMRC tax notification. These are valid for 12 months;
  • Official HMRC documents: coding, statement, assessment, but not P45s or P60s;
  • Recent payslip with up-to-date address;
  • NHS card or official NHS Letter;
  • Blue disabled parking badges with address & DOB;
  • Prison governor or Probation officer letters;
  • Instrument of a court appointment (e.g., grant of probate);
  • UK Armed Forces ID Card;
  • Concessionary bus passes;
  • Mail redirection letter;
  • UCAS Form or Student Loan confirmation letter
  • Letter from university

Opening a personal account with no proof of address

There are several account providers in the UK, these institutions offer online current accounts to people who face barriers to opening a high street bank. If you have no verified proof of address this is a barrier for you too in opening a high street bank account. Suits Me offer many of the same features as a basic current account and more! Suits Me® gives cashback to their customers when they use their card in their partner retailer stores, credit £50 for each friend referred. Not to mention the multilingual customer care team is available 7 days per week.

What do customers say?

‘I desperately needed a bank account but didn’t have proof of address. Suits Me® helped me when no one else would. I can now make payments online and it is much easier to get my benefits’.

Dean Solihull

All you will need is proof of ID and access to the internet to open a new account, it takes a minute to open.

Summary

Suits Me® offer personal accounts for those with no proof of address. All you need is proof of ID and access to the internet to open an account. Your debit card will be sent to the address you used in your application and your account number ad sort code will be securely sent to you immediately.

Open a current account with no proof of address - here's how. (2024)

FAQs

Can you open a business bank account without a physical address? ›

Federal banking regulations require businesses to have a physical address to have a business bank account. Unfortunately, mailbox addresses, P.O. Boxes, and registered agent addresses don't count.

Which is the most important document to open current account? ›

Documents required for opening a Current Account:
  • Proof of identity of the proprietor/trader/professional/institution/association, etc. such as the PAN card. ...
  • Proof of address for an individual: Telephone bill, electric bill.
  • Proof of the existence of the business:

What two pieces of information are required when opening a bank account? ›

At a minimum, when opening a new account, a bank must obtain the following information as part of its program:
  • Name.
  • Date of birth (for an individual)
  • Address.
  • Identification number.

Where can you get answers to your questions about opening bank accounts? ›

To get the answers, meet with bank representatives, check in with family, friends, and read online reviews and the bank's website.
  • What are the bank's fees? ...
  • Where are the bank's ATMs? ...
  • Is there a minimum balance required? ...
  • What's the accounts' interest rate? ...
  • Does the bank have good customer service?

How can I open a bank account without proof of address? ›

A letter from the warden of a homeless shelter, or from an employer if the customer is in work, should be sufficient evidence. A letter from the individual's probation officer, or a hostel manager, would normally be sufficient.

How do I start a business without a physical address? ›

Types of Business Addresses You Can Use
  1. Using a Post Office (P.O.) Box for Your Business Address. ...
  2. Using a USPS Street Address for Your Business Address. ...
  3. Using a Virtual Office for Your Business Address. ...
  4. Using Coworking Space for Your Business Address. ...
  5. A USPS Street Address. ...
  6. A Virtual Office. ...
  7. Coworking Space.

What documents do I need to open a current account? ›

  1. ID and verification. ...
  2. Personal Details. ...
  3. Address Details. ...
  4. Contact Details. ...
  5. Income & Expenditure Details. ...
  6. Overdraft requests (optional) ...
  7. Packaged Accounts (accounts where you pay a monthly fee and receive insurance benefits) ...
  8. Switching.

What did I need to open current account? ›

REQUIREMENTS
  1. Account opening form duly completed.
  2. One recent clear passport photograph of signatory.
  3. Identification of signatories (Driver's License, International Passport, ...
  4. Residence permit (where applicable)
  5. Two independent and satisfactory references.

What are the disadvantages of opening a current account? ›

No interest or low interest: Traditionally, current accounts do not offer interest, and even if they do, the interest rates might not be as attractive as savings accounts. Minimum balance requirements: Some types of current accounts do have minimum balance requirements, failing which there could be penalties.

How to open a bank account without local address proof? ›

How to open a bank account without proof of address?
  1. Step 1: Research alternative banking options. ...
  2. Step 2: Contact the bank. ...
  3. Step 3: Provide alternative forms of identification. ...
  4. Step 4: Provide supporting documents. ...
  5. Step 5: Consider specialized accounts. ...
  6. Step 6: Seek assistance from local organizations.

What is proof of address for bank account? ›

Most utility bills, credit card statements, and lease agreements are acceptable proof of address for most institutions.

How do you prove to the bank what your address is? ›

Current official document with your name and address

A utility bill, credit card statement, lease agreement or mortgage statement will all work to prove residency. If you've gone paperless, print a billing statement from your online account.

What do banks check for when opening an account? ›

When it comes to opening a bank account, a similar process takes place with a system called ChexSystems. This is a tool that banks and credit unions use to see if you have a poor record with your accounts. This includes activity such as overdrafts, bounced checks, accounts you've opened and closed and more.

What are two things the bank needs from a customer to open a checking account? ›

Requirements for opening a checking account generally include a valid, government-issued photo ID such as a driver's license, state ID or passport. You'll also need basic personal information, such as your birthdate, Social Security number, taxpayer identification number or phone number.

Can I walk into a bank and open an account? ›

If you're looking to open a bank account, you can apply online, in branch or by phone.

Can I use a virtual address to open a business bank account? ›

A virtual address or virtual office is like a subscription where a business pays a fee to have access to an address which they can list on their website and use for mail and banking purposes. As long as it is a genuine, accessible street address most banks will accept a virtual address for a business account.

Do I need proof of address to open a bank account? ›

She is a FINRA Series 7, 63, and 66 license holder. To open a checking account, you must provide government-issued identification with your photo, your Social Security card or Taxpayer Identification Number, and proof of your address.

What address to use for a business bank account? ›

While banks require your business address to be a physical address, your mailing address CAN be a mailbox address, or any address for that matter. The mailing address will be where all your statements and any mail correspondences would be sent to.

What is required to open a business bank account? ›

Get documents you need to open a business bank account
  • Employer Identification Number (EIN) (or a Social Security number, if you're a sole proprietorship)
  • Your business's formation documents.
  • Ownership agreements.
  • Business license.
May 19, 2023

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