new current account
Open a U Account today, a digital bank alternative with no credit checks.
Get your current account and free prepaid Mastercard® card in two minutes.
Contactless Mastercard® card
You'll receive a free prepaid contactless Mastercard® card as standard, so you can make purchases online or in-store in a jiffy.
Extra Accounts
Whether it's setting cash aside or setting up direct debits for your bills, Extra Accounts will help you get organised and keep your separate funds – separate.
App for iOS and Android
Step out of the dark and stay on top of your spending, wherever you are. U Account's Balance+ app makes it easy to check your balance, manage your Extra Accounts and more.
Money Manager
Visual statements, spending categories and interactive graphs will track exactly where (and when) your money is going, so you can take back control of your budget.
Payments
Get your wages or benefits paid directly to your U Account, receive BACS and Faster Payments, make payments out, AND set up direct debits or standing orders. We've got all bases covered.
Cashback
Turn your everyday purchases into cold, hard cash with U Points. Online or in-store, simply use your card with any of our recognised retailers and you'll automatically reap the rewards each month. Use your card, earn your points, watch the cashback roll in.
No credit checks
U Account is available to everyone, no matter their credit score. We won't even run a credit check when you apply. It means you can apply for an account online in a matter of seconds, from the comfort of your wherever you like. No need to take time out of your busy life to journey to the bank.
Online support
Whether it's a query or a quibble, we're here for you if you need us. Get in touch with a secure in-account message, talk to us through Live Chat, or send us over an email. You can even reach us on Facebook and Twitter.
Fair & flexible
It's FREE to open an account, get your card, and transfer your money in. It also won't cost you anything to use your card online or in-store here in the UK. Everything else is up to you. You choose how to pay from one of our three flexible payment options, which you can change each month, if you want to.
It's FREE to open an account, get your card, transfer your money in, and make card transactions here in the UK. You choose how to pay for any extras from one of our three flexible payment options.
Popular
*£1.00 monthly dormancy fee after 60 days of inactivity
Free stuff & other fees
These stay the same however you choose to pay.
FREE
FREE
FREE
3%
3%
£2.50
£3.50
You can view an industry-standard ‘Fee information document’ for any of these pricing options by clicking here for the £10-per-month option, here for the £5-per-month option, or here for the £0-per-month option.
Account limits
Brush up on any account limits, including maximum balances, payments and cash withdrawals.
View Account Limits