Current account applications

Everything you need to know about applying for one of our current accounts.

In this article

Eligibility

What you need to apply

How long applications will take

How the credit check works

What to do if you haven't heard anything

What to do if you've been refused

Track your application

Once you've completed your application, you can track its status 24/7

Apply for our Current Account

To apply you need to be:

  • Aged 18 or over.
  • A UK resident.
  • Earning a Gross Annual Income (GAI) of at least £6,000.
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Approval is subject to status. This means we'll complete credit checks and an assessment of your financial circumstances.

Terms explained

Gross Annual Income (GAI) is the amount you make each year, before tax.

Credit check is where we check your credit history, which includes carrying out searches through a Credit Reference Agency.

What you need to apply

  • How much you earn, including income, pension etc.
  • Any previous addresses from the last 3 years.
  • The name and address of your employer.
  • Your current bank details.

How long applications will take

If you have all your information to hand, the application will take you about 10 minutes.

We'll be in touch to let you know whether or not your application has been successful.

How the credit check works

A credit check looks at the information held on your credit file by the Credit Reference Agencies. This is used to decide whether to provide products and services to you, including the level of any lending.

What to do if you haven't heard anything

If you have any questions about your application, please call us on

+44(0)3457 212 212

(Call charges)

What to do if you've been refused

Customers that are not approved will have a note placed on their credit record that an application has been submitted and declined.

Being refused for a current account can have a negative effect on your credit rating. If this happens, you should avoid applying for the same account again. All applications, positive and negative, will show up on your credit file.