Bad Credit Bank Accounts

Below you will see a range of providers that offer bad credit bank accounts. Use the table to compare the main features, such as what fees they charge and what you can do with these accounts.

Bad Credit Bank Accounts are open to all types of customers – so even if you have a poor credit history and can't open a regular bank account, you know there are bank accounts for bad credit available instead. Even people who have an excellent credit history may prefer bad credit accounts – with the simple online system and great extra features, it is easy to see why.

Many bad credit bank accounts come with a prepaid credit card (issued with Visa or Mastercard) as standard. That means you have even more easy ways to pay on the go or online!

Unlike traditional banks, these accounts do not carry penalty fees – so you know where you stand and won't be penalised for a bounced payment.

COMPANY	SET UP FEE	MONTHLY FEE	ACCESS	TERMS	SUITABLE	RESTRICTIONS	APPLY
Think Banking	£25.00	£14.50	Online	View Terms Think Banking need to verify your identity and address.	View Suitable No hidden fees or overdraft charges	You must be a UK resident aged 18 or over
Think Banking	A new kind of bank account, specially designed to keep you in the black. No hidden charges. No missed payments. Just real budgeting experts making sure your bills are paid on time. Fees payable.						Features Features Your monthly fee entitles you to all the benefits you'd expect from a first-rate bank account, such as Direct Debit and standing order facilities, free text updates, free online banking and a thinkbanking Debit MasterCard® you can use to withdraw cash, make purchases and get cashback. Services Services Peace of mind - knowing that all your financial commitments you've told them about are being looked after Advantages Advantages 1. Real people looking after your money for you 2. No charges for overdrafts or missed payments 3. Peace of mind, with us managing your bills 4. No hidden fees 5. A personalised service everytime Disadvantages Disadvantages 1. There is a monthly fee 2. There may be a 2% charge of the transaction amount (including cash withdrawals) when using your card in certain countries.
Tuxedo Eccount Banking	£9.95	Tuxedo Eccount Banking	Online, Branch, Post, Tel	View Terms You must be over 18 years of age and be a UK resident.	View Suitable No hidden fees or overdraft charges	You must be over 18 years of age and be a UK resident.
Tuxedo Eccount Banking	Open to everyone with no credit checks, no hidden fees or account overdraft charges and a fixed monthly fee. *Conditions apply. Acceptable proof of ID may be required. UK Residents, 18+						Features Features Unlike some basic bank accounts, we don’t restrict you to use only one bank’s cash machines: 1. Use anywhere you see the MasterCard® Acceptance Mark 2. FREE cash withdrawals at any cash machine* 3. Use at over 1.2 million cash machines worldwide Services Services Unlike some basic bank accounts, we don’t restrict you to use only one bank’s cash machines 1. Use anywhere you see the MasterCard® Acceptance Mark 2. FREE cash withdrawals at any cash machine* 3. Use at over 1.2 million cash machines worldwide Advantages Advantages 1. £10 per month 2. No hidden fees 3. No credit checks 4. No bank account needed 5. No hidden fees 6. Have your wages and any benefits paid in 7. Pay in cash at PayPoint or Post Office 8. Set up Standing Orders 9. Spend with an eccount banking prepaid MasterCard Disadvantages Disadvantages 1. On Application -Card issue fee £9.95 -Additional card fee £4.95 2. Maximum card balance £3,000 3. Maximum monthly load £3,000 4. Maximum daily ATM withdrawal £250 5. Replacement Card fee £4.95 6. Monthly fee £10 7. Overseas purchases 2.75% 8. Overseas ATM* 2.75% 9. £2 Investigation fee 10. £20 Closure Cancellation or redemption £10
Card One Banking	£12.50	£12.50	Online, Tel, Text	View Terms You must be over the age of 18 years old to apply.	View Suitable If you have bad credit.	You must be a UK resident and over the age of 18 years old.
Card One Banking	Card One banking bring you a bad credit bank account banking facility with no credit checks that is open to everybody. It is easy to keep track of your payments or standing orders with the Card One Bank Account and you can even say goodbye to hidden bank charges and unfair overdraft fees! Apply online today and do not pay any set up costs unlike many bad credit accounts.						Features Features Maximum Withdrawal: £250 Additional Card Cost: £5.00 Free Banking: No Debit Card: No Standing Order: Yes Direct Debit: Yes Account Manager: Yes Overdraft Facility: No Services Services Manage your account securely online, by phone and by text Advantages Advantages 1. No hidden bank charges and you won't incur any overdraft fees 2. A bank account with guaranteed acceptance that's open to everyone 3. Quick and easy to apply with no credit checks 4. One-to-one Account Manager and secure internet banking 5. Guaranteed acceptance 6. You get your own Prepaid MasterCard card so you can control your spending. Disadvantages Disadvantages 1. Minimum amount of initial load £10.00 2. 2.75% of the transaction value per purchase transaction outside the UK (maximum £2.50) 3. £1.00 for ATM withdrawals within the UK 4. £3.00 plus 2.75% of the transaction value for ATM withdrawals outside the UK 5. £3.50 for a cash advance within the UK 6. £5.00 for a cash advance outside the UK 7. 15p per balance enquiry by SMS 8. Maximum single load £1,250
ClearCash	Up to £9.99	Up to £9.99	Online, telephone and SMS	View Terms Must be 18 years of age or above and live in the UK	View Suitable Open to all UK residents aged 18 and over	Minimum age is 18 years old
ClearCash	The ClearCash Prepaid MasterCard and “icount” is a great alternative to a bank account, providing you with the ability to have your salary or benefits paid into what is known as the ClearCash icount with no overdraft facility and no late fees. It includes the revolutionary BudgetMaster tool, Standing order and bill payment facilities, the ability to check your balance online or by text, 24 hours a day, use worldwide, top up your icount by bank transfer, PayPoint, Post Office & Cheque, support via email, customer services phone line and online livechat facility, free purchase protection for pay monthly cardholders on purchases made up to £1,500						Features Features Prepaid MasterCard with personalised icount available on Pay Monthly and PAYG tariffs , Easy application process – takes less than 3 minutes, Full online bill payment facility, Standing orders and bank transfers available, Top up via Salary/benefits, BACS, PayPoint, Post Office & Cheque, Purchase Protection, Price Protection and Extended Warranty package – one of the only prepaids to offer this (on Pay Monthly), Everyone qualifies as long as over 18, Poor credit history, Bankrupt, IVA, DMP, CCJ – no problem, Not overdraft or late payment fees, Access to the “BudgetMaster” – our unique tool to help track your financial movements, Access to www.clearcashback.co.uk – discount shopping site online to save those extra pounds, Balance enquiry available via SMS for free, Email reminders when insufficient funds in icount to cover an upcoming standing order, Unique FAQ page – whole new website dedicated to FAQ’s – also has blogs and client reviews , Most transparent of providers – no hidden agendas , Numerous avenues to contact – telephone, email, post and also Livechat through our website Services Services Manage your ClearCash icount online, by phone, livechat and SMS message Advantages Advantages 1. No credit check performed 2. Guaranteed acceptance 3. Instant approval 4. Cashback facility with retailers 5. Purchase protection (with Pay Monthly) 6. Online Banking 7. Mobile Banking 8. Standing Order and bill payment facility 9. Cheque Cashing service 10.SMS Balance facility 11.Very low on-going fees Disadvantages Disadvantages 1. Minimum amount of initial load £10.00 2. 2.75% of the transaction value per purchase transaction outside the UK 3. ATM Withdrawal ranges from £0.50 to £0.75 depending on tariff 4. Maximum balance allowed £5,000
Secure Trust Bank	£12.50	£12.50	Online, ATM	View Terms You will be required to undergo various checks to confirm your identity and residency.	View Suitable If you have bad credit	Maximum daily withdrawal £500
Secure Trust Bank	Secure Trust Bank offer you value for money with their Basic Bank Account. As well as a current account for your direct debit payments you get a prepaid car to help you budget. Apply online for one of these bad credit bank accounts, no credit checks necessary, and never go overdrawn again.						Features Features Maximum Withdrawal: £250 Additional Card Cost: £5.00 Free Banking: No Debit Card: No Standing Order: Yes Direct Debit: Yes Account Manager: No Overdraft Facility: No Services Services Automated transfers from your account to your prepaid card Advantages Advantages 1. No credit checks necessary 2. Never go overdrawn again. 3. No charge for bounced direct debits. 4. Flat fees - no hidden charges. 5. Automated transfers from your account to your prepaid card. 6. Chip and PIN MasterCard prepaid card. 7. Accepted at over 28.5 million outlets. 8. Hassle free transfer of standing orders and direct debits. 9. Pay cash into your account at payzone outlets. 10. Member of the Financial Services Compensation Scheme. Disadvantages Disadvantages 1. There is a monthly management fee of £12.50