Thursday, 9 July 2009

Setting Up A Bank Account in the UK

I have just a bit to say about banking. We signed up for basic checking and savings accounts when we got here through Lloyds TSB. Since we've had some friends who've had hassles with other banks, I'll just talk about Lloyds--not because they're the only way to go, but because they are all that we know and they've worked really well for us. They are certainly one of the easier banks to open an account with if you're not a UK national.

Here's what we needed:

Proof of Address (an official bill or rental agreement)
A £200 deposit (I'm pretty sure it was only £200--it may have been £250 but certainly no more.)

A few minutes later we walked out with our own UK bank accounts!

Lloyds has great options for online account management, including automatic bill pay.

They have a small overdraft protection for no charge.

They will also coordinate with your US bank to bring funds over directly into your new account if you want. Note there will likely be a charge associated with doing this, but that will come from your US bank. I think we paid something like $35 for the transaction.

If readers have suggestions about other banks to use/not to use, please chime in!

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  1. hi! i came across your website when my husband was googling about visas. we went to a few banks before we were offered an account with bank of scotland. they were really nice. we were able to upgrade our account after a year of good standing. i remember rbs would not even consider us because we didn't have 3 years of history.

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