Unbank of

It's all about you. Not your credit score.

Get all the features of a 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

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Our Awards

Innovation and Excellence Award 2016 logo
corporate livewire innovation and excellence awards 2016 winner
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The bank account alternative for everyone

Here at U, we believe that a bad credit score should never hold you back. 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. We’re big on fairness over here. It’s who we are. And we’re here for YOU.

That’s why U Account is available to everyone to apply, no matter their credit score.

We won’t run a credit check when you apply – in fact, let’s not even talk about it. Simply 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.

It’s important to us that we’re completely transparent, and fair, with our pricing structure, too. You won’t find any sneaky hidden fees with U. Instead, we’ve got three clear Price Points that allow you to either pay for the services you choose to use, or just pay one monthly tariff. Whatever works best for YOU. And hey, there’s no need to stick to the same Price Point if you decide it’s not working out. There’ll be no hard feelings here.

We haven’t even mentioned all the budgeting help you’ll get from tools like Money Manager, Extra Accounts and 365 Budgeting (you can save £650 by Christmas – not an amount be sniffed at). Sound good?

Open a bank account alternative online today, with no credit checks, for a fairer way to manage your finances. With U.

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Apply Now