Foundation account

A basic account with no overdraft or cheque book

Foundation account

This account might suit you if you’re not eligible for any of the other accounts you apply for. It's a basic account to help you manage your money.

To find out if you're eligible for this type of current account you need to first apply for one of our other accounts, such as our Select account which also has no monthly fee.

Our basic bank account

No monthly fee

There's no monthly fee for having a Foundation account.

Debit card

Make purchases online or in store and withdraw cash from a wide network of cash machines.

Mobile app

Stay in control of your finances with our mobile banking app.

Online banking

Banking at your convenience, day or night, with our Online Banking service.

Additional account information

There are many reasons why a standard current account is unsuitable for some people and this is usually related to financial difficulties. Our foundation account is suitable if:

  • You have little or no credit history
  • You’re going through bankruptcy
  • You've given us incomplete or inaccurate information when you apply
  • You have a low credit score

We understand that managing personal finances can be challenging and improving your credit score is not a straightforward process.

It's always best to consult a financial professional if you’re concerned about your personal finances.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary for more information.

How do I open a Foundation account?

How can I apply?

You can't apply online for a Foundation account. To find out if you're eligible you need to first apply for one of our other accounts, such as our Select account ,which also has no monthly fee.

What will I need?

You'll need to show us some documents such as photo ID and address verification. Don't worry - we'll let you know exactly what we need when you apply.

How long will it take?

An online application for one of our other current accounts will take around 15 minutes to complete. After this we'll post you an application pack that details what documents we need to open your account.