{"id":8070,"date":"2022-07-18T14:04:33","date_gmt":"2022-07-18T13:04:33","guid":{"rendered":"https:\/\/blogs.bath.ac.uk\/students\/?p=8070"},"modified":"2022-07-19T10:56:09","modified_gmt":"2022-07-19T09:56:09","slug":"a-freshers-guide-opening-a-uk-bank-account","status":"publish","type":"post","link":"https:\/\/blogs.bath.ac.uk\/students\/2022\/07\/18\/a-freshers-guide-opening-a-uk-bank-account\/","title":{"rendered":"A Freshers' Guide \u2014\u2014 Opening a UK bank account"},"content":{"rendered":"\r\n<p class=\"wp-block-paragraph\">For newcomers to the UK, I will share a few tips on banking from a student\u2019s perspective. How to choose a bank? How to open a bank account? And anything else noteworthy.<\/p>\r\n<p><br \/><strong>Choosing a bank<\/strong><\/p>\r\n<p>There are many local banks in the UK and the services they provide are more or less the same. The following factors may help you decide which bank to choose<\/p>\r\n<p><br \/>1. Whether the bank is close to the place where you live. Depositing money requires visiting your nearest branch or post office. I also prefer to go to the bank in person if I have any problems. So the location of the bank is very important to me. There are several banks in the city of Bath: <strong>Barclays, Halifax, HSBC, Lloyds Bank, Nationwide, Natwest, Royal Bank of Scotland, Santander<\/strong><\/p>\r\n<p>2. Is the account provided to you by the bank <strong>free of charge<\/strong>? Some types of bank accounts are charged<\/p>\r\n<p>3. How much interest does the bank offer for your savings account?<\/p>\r\n<p><a href=\"https:\/\/blogs.bath.ac.uk\/students\/wp-content\/uploads\/sites\/81\/2022\/06\/jonathan-cooper-0O2Pp6-mOkY-unsplash.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-8141\" src=\"https:\/\/blogs.bath.ac.uk\/students\/wp-content\/uploads\/sites\/81\/2022\/06\/jonathan-cooper-0O2Pp6-mOkY-unsplash.jpg\" alt=\"White out words Personal Banking on a sea blue sign on a building\" width=\"640\" height=\"427\" srcset=\"https:\/\/blogs.bath.ac.uk\/students\/wp-content\/uploads\/sites\/81\/2022\/06\/jonathan-cooper-0O2Pp6-mOkY-unsplash.jpg 640w, https:\/\/blogs.bath.ac.uk\/students\/wp-content\/uploads\/sites\/81\/2022\/06\/jonathan-cooper-0O2Pp6-mOkY-unsplash-300x200.jpg 300w, https:\/\/blogs.bath.ac.uk\/students\/wp-content\/uploads\/sites\/81\/2022\/06\/jonathan-cooper-0O2Pp6-mOkY-unsplash-322x215.jpg 322w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/a><\/p>\r\n<p>Photo by Jonathan Cooper on Unsplash<\/p>\r\n<p><strong>Getting a bank account<\/strong><\/p>\r\n<p>Here\u2019s a summary of the process of opening a bank account<\/p>\r\n<p>1. Prepare your documents. Documents required may vary between banks. But the most common ones are your passport, BRP, and bank letter provided by the University<\/p>\r\n<p>2. To book an appointment, you can register online, call the bank, or visit the bank<\/p>\r\n<p>3. The staff will help you with opening the account at the appointment<\/p>\r\n<p>4. Your physical bank card will be posted to the registered address<\/p>\r\n<p>5. Follow the bank\u2019s instructions to activate your bank card or mobile banking<\/p>\r\n<p>6. All done!<\/p>\r\n<p>Opening a bank account is really not that complicated. All you need to do is to get all your documents ready and be punctual for the appointment!<\/p>\r\n<p><strong>A few more tips<\/strong><\/p>\r\n<p>Typical types of bank card<\/p>\r\n<p>1. Debit card<\/p>\r\n<p>2. Credit card<\/p>\r\n<p>Typical types of bank accounts<\/p>\r\n<p>1. Current account<\/p>\r\n<p>2. Saving account<\/p>\r\n<p>Normally, international students would choose a debit card with a combination of current and saving account<\/p>\r\n<p><strong>Personal experience as a Chinese student<\/strong><\/p>\r\n<p>When first arriving in the UK, you may not have time to set up a bank account straight away. This is what I did.<\/p>\r\n<p>1. I applied for a master debit card in a bank in China. This is a secondary card to my parent\u2019s primary card. It allows me to pay in GBP in the UK. You can go to any bank in China and ask about this.<\/p>\r\n<p>2. I also had enough cash just in case.<\/p>\r\n<p>I hope you find this blog useful and good luck with everything! If you have any further questions you can always email <span style=\"text-decoration: underline\">studentservices@bath.ac.uk<\/span> for help!<br \/><br \/><\/p>\r\n","protected":false},"excerpt":{"rendered":"<p>For newcomers to the UK, I will share a few tips on banking from a student\u2019s perspective. How to choose a bank? How to open a bank account? And anything else noteworthy. Choosing a bank There are many local banks...<\/p>\n","protected":false},"author":1641,"featured_media":8140,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[456,104,4,198],"tags":[],"class_list":["post-8070","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting-finance","category-first-year","category-international-students","category-undergraduate"],"acf":[],"jetpack_featured_media_url":"https:\/\/blogs.bath.ac.uk\/students\/wp-content\/uploads\/sites\/81\/2022\/06\/micheile-dot-com-ZVprbBmT8QA-unsplash.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/blogs.bath.ac.uk\/students\/wp-json\/wp\/v2\/posts\/8070","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blogs.bath.ac.uk\/students\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blogs.bath.ac.uk\/students\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blogs.bath.ac.uk\/students\/wp-json\/wp\/v2\/users\/1641"}],"replies":[{"embeddable":true,"href":"https:\/\/blogs.bath.ac.uk\/students\/wp-json\/wp\/v2\/comments?post=8070"}],"version-history":[{"count":0,"href":"https:\/\/blogs.bath.ac.uk\/students\/wp-json\/wp\/v2\/posts\/8070\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blogs.bath.ac.uk\/students\/wp-json\/wp\/v2\/media\/8140"}],"wp:attachment":[{"href":"https:\/\/blogs.bath.ac.uk\/students\/wp-json\/wp\/v2\/media?parent=8070"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blogs.bath.ac.uk\/students\/wp-json\/wp\/v2\/categories?post=8070"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blogs.bath.ac.uk\/students\/wp-json\/wp\/v2\/tags?post=8070"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}