How to open a bank account without proof of address UK

In this article, I’ll answer the critical question How to open a bank account without proof of address UK? as well as look at how you would go about doing so and what constitutes proof of address. If you’ve recently moved to a new address or have just arrived in the UK, it can be challenging to gather all the required paperwork. However, if you’re currently stuck without proof of address, all is not lost. 

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Is it possible to open a bank account without a proof of address?

Yes, provided you’re open to learning more about your alternatives for accounts with a digital challenger bank. Digital challenger banks are often more recent online or mobile-only financial services that aim to change the way traditional banks operate by providing you with a more convenient and affordable banking experience. You will always need to provide identification verification, such as a passport or a driver’s licence, in order to open an account with a digital challenger bank. However, some digital challenger banks, such as Starling Bank, do not require this. Monzo and Revolut may not require address verification. Monzo and Starling both are fully licenced banks, meaning your money with them is protected up to £85,000 by the financial services compensation scheme, similar to a regular high street bank. Revolut, which is working to obtain a uk banking licence, and Money are not fully licenced banks, but they both have an electronic money licence, meaning your money is safe from being invested in or used to bail them out in the event that they fail or run into financial trouble.

What is the best way to open a bank account without an address proof?

Opening a bank account without proof of address is very similar to how you would normally open a bank account; the main difference is that instead of comparing a huge range of accounts, your search will be limited to the accounts I mentioned in the section before styling bank revolut monis. The next step is to start researching each account. Read up on what features they each have or watch a video review to get a sense of the pros and cons; both of these activities are available on Consider your needs and wants in relation to a bank account to locate the greatest match Once you’ve chosen the provider that’s best for you, download their app from the Google Play Store or the App Store, depending on the type of phone you have, and sign up through the app. This should only take a few minutes. Once you’re signed up, you can start using the digital features right away while you wait for your payment card to arrive in the mail.

How does Proof of Address work?

If your bank has requested proof of address but you’re unsure what to submit, here are the different documents that count, including a utility bill, an HM Revenue and Customs tax notification, a credit card statement, and a letter of acceptance from a university. Acceptable documentation must be recent and will display both your name and the exact same address that you’re using for the application. Criteria can vary from bank to bank and som

Before applying for an account, make sure you have all the necessary documentation by reviewing the list of documents they accept on their website. To learn more, read our comprehensive guide and start looking at accounts.

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