Unbank of

Create your basic account in seconds. It’s all about you.

Get all the features of a basic bank account and MORE, without going in-branch, without a credit check, and without the risk of unexpected fees.

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Contactless card provided free with every U Account U Account mobile app on iOS or Android phone


Put spare cash straight into your account, any day of the week, at a convenient location near you. Just take your U card down to any of 29,000 participating UK stores.

Money Manager

Visual statements, spending categories and interactive graphs make it easy to track exactly where (and when) your money is going, so you can take back control of your budget.

Extra Accounts

Whether it’s setting cash aside or setting up direct debits for your bills, with their own unique account numbers and sort codes, Extra Accounts will help you get organised and keep your separate funds – separate.


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.

Contactless Card

You’ll receive a free contactless prepaid debit Mastercard® card as standard, so you can make purchases online or in-store in a jiffy.

Contactless card provided free with every U Account U Account mobile app on iOS or Android phone

As seen on

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Our Awards

Innovation and Excellence Award 2016 logo
corporate livewire innovation and excellence awards 2016 winner
Fair Banking Foundation logo

What are basic accounts?

A basic account has all the features of a standard bank account bar one: there’s no overdraft facility. And no overdraft means – you guessed it – no overdraft fees or penalties. Because there’s no longer any lending going on, basic accounts are available to everyone no matter their credit score. In fact, there isn’t even a credit check when you apply – all you need is valid proof of ID.

Great! So why haven’t I heard of basic accounts before?

The answer to that one is pretty straightforward: there isn’t much in it for the banks. If you can’t dip below zero, they can’t charge you for dipping below zero. You can see why they keep them on the downlow.

And that’s where we’re a bit different. We’re shouting from the rooftops about our account, because a U Account is far from basic. Not only do you benefit from all the expected features, such as a prepaid contactless Mastercard® card and direct debits, but you also have access to some fab (and very very useful) budgeting tools. You can open up to 20 unique Extra Accounts for specific transactions or setting cash aside, and track your spending with the help of Money Manager’s nifty categories and graphs.

To top it all off, our Price Points are completely transparent; you’ll only ever pay for what you choose. So whether you have a poor credit score or not, a U Account can help you budget better, stash away more cash, keep up to speed on your spending, and NEVER go overdrawn. Ultimately, you can spend less and keep more for YOU.

Go one step further than the 8 million* people in the UK who already have a basic bank account, and open a basic bank account alternative online today, with U.

* “Almost eight million basic bank accounts open in the UK”, ‘Basic Bank Accounts’, Money Saving Expert, June 2017

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