Getting a bank account

You will need a bank account if you want to receive Universal Credit. You can do this at a high street bank or credit union. They will advise you on the best type of account. Ask about getting a basic bank account which you can get even if you’re bankrupt. They don’t have a fee and won’t let you get overdrawn.

Benefits to having a bank account:

  • You can pay your rent and bills by direct debit or standing order – this might mean a discount
  • You will be able to receive Universal Credit

Here's a Which guide to the best basic bank accounts.