Open a UK Bank Account From Home
Sort everyday money before you land—get paid, pay rent, split bills, and move money globally without ugly FX surprises. Below are our top remote-friendly options, plus when a traditional expat account makes sense.
#1 Pick: Wise
Open your account before you land and get a UK sort code and account number in minutes. Send money at the real exchange rate with no hidden fees.
Add the multi-currency debit card and you’re ready to spend like a local on day one — rent, groceries, even your first pub pint.
For flexibility, transparency, and global coverage, Wise outperforms the high-street banks every time.
Revolut — Daily Spend + Travel Perks
UK local details • Free & paid plans • Travel extras
- Start free, upgrade for perks & higher limits
- Budgeting tools, vaults, virtual cards
- Pairs nicely with Wise for daily UK spend
Monese — Simple UK Account for Newcomers
Open with ease • No UK credit history required • Instant GBP account details
- Open an account quickly with just your passport/ID (no UK credit score needed).
- Get a UK sort code and account number straight away.
- Great for new arrivals who need fast access to banking for rent, bills, and everyday spend.
Monzo — UK Current Account
Requires UK address • FSCS protection
- Modern UK account with pots & budgets
- FSCS protection up to £85k
- Best once you’re already in the UK
HSBC Expat — Traditional Overseas Option
Prefer a traditional bank before you arrive? HSBC offers offshore accounts (GBP/EUR/USD) you can open from abroad. Good for larger balances, multi-country moves, and when an established bank is required.
Pro Tips for Bank Accounts
Sort your money faster and avoid costly mistakes:
- Open before you land: Digital banks like Wise or Revolut give you a UK account number remotely.
- Proof of address: High-street banks often require this — plan to use a longer-term rental or employer letter.
- Multi-currency wallets: Great for moving savings from home to GBP without nasty exchange rates.
- Use your UK account early: Paying bills or rent from a UK account helps build local credit history.
