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.

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U Card
U Account App on Mobile

U Account
features

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.

Contactless card provided free with every U Account

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.

U Account's Extra Accounts with direct debits let you separate funds & budget better

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.

U Account app for iOS and Android facilitates mobile money management

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.

U Account's digital money manager with visual statements tracks and categorises your spending U Account's digital money manager with visual statements tracks and categorises your spending

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.

U Account offers direct debits, standing orders, Faster Payments and BACS

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.

Earn rewards points on spending with U Account's cashback partners

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.

Apply for an account online with no credit checks, with the U current account alternative

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.

Get online support with U Account's live chat and secure messaging services Get online support with U Account's live chat and secure messaging services
U Account's current account alternative won an award for innovation U Account was awarded for its innovative basic bank account U Account was awarded for its innovative basic bank account
U Account's current account alternative won an award for innovation
U Account was awarded for its innovative basic bank account
U Account was awarded for its innovative basic bank account

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.

Most
Popular

Payments out/direct debits

UK cash withdrawals

Free Extra Accounts

Additional Extra Accounts

Cash withdrawals abroad

*£1.00 monthly dormancy fee after 60 days of inactivity

Free stuff & other fees


These stay the same however you choose to pay.

Contactless card

FREE

Card transactions

FREE

Transfers in

FREE

Paying in with PayPoint

3%

Transactions not in GBP (£)

3%

Postal statements

£2.50

Replacement card

£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