Unbank of

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

Get all the features of a current 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

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What are current accounts?

A current account, sometimes known as a 'checking account', is a place to keep and manage your day-to-day money. It’s the destination for your wages, benefits or pension, and the departure point for your bill payments, everyday transactions and transfers. The all-too-brief stop-over on the journey of your hard-earned cash.

Current accounts, or checking accounts, usually come with a debit card, which allows you to withdraw cash from ATMs and make purchases in shops or online, and you can set up direct debits for those bills you pay regularly, like utilities.

There are a couple of different types of current account: the packaged account (which you pay for) and the standard current account, often referred to as 'free-if-in-credit'. Big emphasis on the 'if' there.

'Free-IF-in-credit' means that while the bank won’t charge you a monthly fee for the service, there’s a whole host of fees and penalties lying in wait for you if you ever go overdrawn or have a payment fail. Sneaky. And because the bank allows you to go overdrawn in the first place, you usually need a good credit score to get a current account.

Here at U, we’re not about sneaky. We’ve created a current account that offers three clear Price Points, with not a single hidden fee in sight (or, well... hidden). Pick the payment structure that works best for YOU. And because there’s no overdraft, you can never go overdrawn.

Even better, we won’t perform a credit check when you apply. We think everyone has the right to a safe place to keep their money, and we believe everyone deserves access to the tools and services that will help them manage it. Open a current account with U, and you’ll get all the usual stuff you’d expect from the bank, like a contactless prepaid Mastercard® card and direct debits, as well as Extra Accounts and Money Manager thrown in for good measure, so you can budget better than ever.

It’s so much MORE than a current account. It’s the account of the future.

Ready to Join?

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