Opening a New UK Bank Account

  • April 16, 2021
 

Once you've arrived in the UK, how do you set up a new bank account? 

There are many things to consider when setting up your new life in the UK, one of which is opening a new bank account. To help, we put together a few tips and suggestions to get you started, including the following topics: 


There are various different, and whilst one type of bank will suit one person, it may not suit everyone. So, it is important to shop around and find the right bank account for you. 


Options can be confusing 

When choosing a bank account, it can get confusing. There can be accounts that are simple to set up, with no fees, or accounts that require a monthly fee. Equally, you now have the option of online banking with banks that have few or no local branches at all, or you may prefer a bank that has a branch nearby, so you can pop in anytime. 

We have taken a look at the easiest to set up, but as above, they may still not be the right account for you. If you want to discuss further after reading this blog, why not give us a call and one of our specialist consultants will answer any questions you may have.

Do I need a new bank account? 

Before we look at specific examples, it is important to mention why setting up a bank account is important. 

Firstly, you will need to notify your employer where to pay you! 

And secondly, a good bank account will offer ease of use, support you in building your credit score (important for your future in the UK), pay bills, and easily check your balance. 

How do you set up an account and what do you need? 

Similar to a lot of administrative tasks, to set up an account you will need to make an appointment with the bank and bring along the right documents.

Setting up an appointment

Most banks won’t let you drop in, so it is a good idea to call in advance and schedule in your appointment. The appointment will be focused on discussing your situation in order to open the account.  

Required documents:

Once you have booked the appointment you can then start to prepare the documents to bring with you. Basically, one document to prove your identity and one to prove your address. 

To prove your identity, you will need one of the following: 

  • Passport
  • Driver’s licence
  • EU ID Card

Every bank has its own idea of how to prove your address, the following are widely accepted: 

  • Tenancy agreement or mortgage statement
  • Electricity or gas bill, dated within the last 3 months
  • A current Council Tax bill

However, as an IMG you will be new to the UK, so you might not have any of the above as evidence of your address. The good news is that most banks will accept a letter of employment from your Trust (employer) written to the bank. 

You can request an employment letter from your Trust HR department. This must confirm: 

  • your home address
  • include your name
  • D.O.B
  • you are employed by the Trust
  • the starting date of your role
  • your salary
  • duration of the contract

It must be on letter headed paper, stamped, signed and dated. Speak to your IMG Consultant who will be happy to help you set this up. 

Once your account is open, what next? 

Once you have completed your meeting (usually around an hour), your account will be set up and ready to use.

Now that you have your new account number (8 digits) and sort code (6 digits) you can provide these to your payroll department ready for your first pay cheque!

Don’t forget you will also need your NI number! Read our blog on how to get yourself a NI number  if you haven't already. 

You will also receive your bank card and pin code in the post, these are usually delivered separately. 

If you receive one but not the other a day or so after, then contact the bank and they will reissue these. These usually arrive approximately 5 working days after setting up the account, but your bank will advise on the specific number of days so that you can keep an eye out for their arrival. 

Once arrived, you can use this to make payments everywhere, including online. If you want to change the pin, you can change this at most bank machines to something that you will remember! Be sure to choose memorably but randomly, not 1234! 

Monitoring your account

Now that you are set up, most banks will offer an online account to monitor your income.  Most have an app that you can download to your smartphone to manage outgoings and transfers. 

Which bank should I choose? 

With the banking market bringing a wide range of accounts and banks, it is hard to navigate through all the accounts on offer. 

The most important advice we can give is to shop around. Check online and compare what is on offer across a wide range of banks. Often, it can also be easier to open an account with one of the bigger UK banks. 

Here are a few things to consider when selecting your account and discussing what is offered during your meeting with the bank: 

  • Examine digital features – online and mobile access via apps and online banking etc. It is beneficial to access your account anywhere, helping you monitor your outgoings and identify fraud.
  • Check if the account has monthly fees – most standard current accounts don’t, but premium services usually have a monthly charge.
  • No minimum balance requirement - good banks don’t have these! 
  • No limitations on the number of transactions – you want to be free to make as many, or little transactions as you want. 
  • Free ATM access, so you can withdraw money when needed.
  • Check overdrafts and associated fees, you don’t want any unwanted charges.
  • Check if the bank has several branches, including one local to you. You may however prefer to use services offered online, which would open more options up to you. 

Some banks offer specific accounts for people who have recently relocated to the UK, usually called new to the UK accounts. 

You can also chat to an advisor online to answer any questions you may have before you make the decision to arrange an appointment, check the bank websites for web chat options. 


Whatever type of banking suits you, it is always best to research extensively, especially online, which will give you a full idea of what they offer. 


The main five banks:

The five main banks in the UK are:

  • Natwest
  • Royal Bank of Scotland
  • Lloyds Banking Group
  • Barclays
  • HSBC 

Opening an account with these banks is usually easy, and they offer a range of accounts with online options. 

Another popular option is to set up a Monzo account as they are very quick, easy to set up - whilst they offer a useful mobile app platform which makes it easy to keep track of your expenses. They also offer free payments and withdrawals outside of the UK whilst are an FSCS approved bank so offer the same security as one of the main five banks.

Ethical banking: 

Ethical banks are those that invest your money transparently and only business, companies and investments that do not have a harmful impact on local communities and the environment. The following two are good options: 

Triodos Bank offer a great option for Ethical Banking. They invest their money transparently and into projects and trusts that benefit local communities and the planet we live in. They do not invest in any fossil fuel companies or any business that has a harmful impact. Our directors and our business bank with Triodos.

Co-operative Bank offers a range of accounts and can be set up online easily.


IMG Jobs 

Search and find live NHS doctor jobs in the UK

IMG Resources

In our IMG Resources library you can read more useful articles on finding an NHS trust doctor job, pay scales & doctor’s salary in the UK, relocation and much more!  

Get in Touch

Get in touch using the buttons above (and below) to discuss doctor job opportunities in the NHS, including discussions regarding a typical doctor salary in the UK and the most suitable hospital locations for you.

 

Relevant Jobs

105,504 to 139,882
An NHS Trust is looking for a Consultant Histopathologist with an interest in GI & dermatopathology. The Histopathology department comprises a team of consultants and is supported by a large team of middle-grade doctors. This role is open to both international and UK-based doctors, with portfolio support for CESR available.

JOB REQUIREMENTS AND DETAILS
  • FRCPath or equivalent and Full GMC Registration are required.
  • The salary will be competitive and dependent on experience.

CORE DUTIES OF THIS ROLE
  • Provide histopathology services for diagnostics.
  • Participate in the Bowel Cancer Screening Programme.
  • Collaborate in academic and educational activities.
  • Contribute to digital Histopathology system development.

LIFE IN THE REGION
The position is based in a city offering a mix of urban amenities and scenic rural living options. Families will find excellent schools, easy access to transport, and a range of leisure activities. The region has a rich cultural and historical significance.
105,504- 139,882

An NHS district general hospital in the North of Scotland is looking for a Consultant Clinical Oncologist with an interest in Lung, Head & Neck, or Breast cancer. The oncology department comprises a team of 7 consultants and is supported by a large team of middle grade doctors. This Clinical Oncology job is open to both international applications and UK-based doctors, though those with European Specialist or FRCR (or equivalent) are most encouraged to apply.

Anyone requiring portfolio support (formally known as CESR) can have their required support discussed on a case by case basis.

JOB REQUIREMENTS AND DETAILS

FRCR, full GMC registration with specialist registration or within 6 months of CCT, along with broad experience in prescribing radiotherapy and SACT, are required for this role, and anyone with an interest in Lung, Head & Neck, or Breast radiotherapy should apply. The salary will be between £107,144 and £142,369 dependent on experience or grade.

CORE DUTIES OF THIS ROLE

  • Manage a subspecialty caseload in Lung, H&N or Breast radiotherapy, delivering high-quality care and treatment planning.

  • Participate in MDT meetings, clinical governance, research and teaching activities.

  • Contribute to acute oncology on-call cover and peripheral clinics across the region.

  • Lead or support the development of new services or innovations in clinical delivery within the department.

LIFE IN THE SCOTTISH HIGHLANDS

This job is based in the Scottish Highlands, a region known for both its bustling city of Inverness and rural escapes like Beauly or Fort Augustus.

The Highlands offer excellent schools, strong transport links including rail and air connections, and year-round recreational options from hiking to arts festivals. The city also has a vibrant cultural and social scene for families and professionals alike.

Rich in heritage, the Highlands are home to some of Scotland’s most renowned history—from clan culture to castles—making this region both a scenic and significant place to live and work.

HOW WILL IMG CONNECT SUPPORT YOU?

When applying with IMG Connect you’ll have the full support of an expert recruitment team who will be your recruitment and relocation partners throughout the process. We\'ll support you with:

  • CV Preparation with a bespoke session with one of our specialists

  • Application support with expert knowledge of NHS specialisms & recruitment practice

  • At least two video calling interview preparation sessions

  • Contract and offer negotiations for salary, relocation packages, tenure and more

Once you have accepted your new role, you’ll then be supported and led throughout by one of our dedicated relocation executives who will guide you through all the way to starting to your new role including:

  • Document gathering and checking COS and Visa Application support if applicable

  • Support sourcing short- and long-term accommodation

  • Travel Arrangements Family support for finding schools and any other aspects of pastoral care

96990 - 107155

An NHS acute hospital in the South East is looking for a Specialist Acute Physician with an interest in Same Day Emergency Care and Ambulatory Medicine. The Acute Internal Medicine department comprises a team of 13 consultants and is supported by a large team of middle grade doctors. This Acute Medicine job is open to both international applications and UK-based doctors, though those with European Specialist or MRCP (UK) qualifications are most encouraged to apply.

Anyone requiring portfolio support (formally known as CESR) can have their required support discussed on a case by case basis.

JOB REQUIREMENTS AND DETAILS

MBBS or equivalent, full GMC registration, MRCP, and a minimum of 4 years’ post-graduate NHS experience (with at least 2 years in Acute Medicine) are required for this role, and anyone with an interest in expanding SDEC and short stay services should apply. The salary will be between £96,990 - £107,155 dependent on experience or grade.

CORE DUTIES OF THIS ROLE

  • Provision of the Acute Internal Medicine service, including same day emergency care, inpatients on the AMU, and the Short Stay Unit

  • Receiving referrals from primary care to provide clinical advice and triage for potential admissions

  • Supervision of junior doctors and alternative workforce, including advice on treatment plans

  • Participation in clinical education and governance activities, and supporting development of the department

LIFE IN THE SOUTH EAST

This role is based in a major coastal city in the South East, with nearby living options ranging from lively urban centres to scenic rural towns. The region offers strong transport connections, reputable schools, and a wide range of leisure pursuits including historic attractions, beaches, and outdoor activities. Known for its maritime heritage, this area has longstanding ties to British naval and defence history.

HOW WILL IMG CONNECT SUPPORT YOU?*

When applying with IMG Connect you’ll have the full support of an expert recruitment team who will be your recruitment and relocation partners throughout the process. We\'ll support you with:
CV Preparation with a bespoke session with one of our specialists
Application support with expert knowledge of NHS specialisms & recruitment practice
At least two video calling interview preparation sessions
Contract and offer negotiations for salary, relocation packages, tenure and more
Once you have accepted your new role, you’ll then be supported and led throughout by one of our dedicated relocation executives who will guide you through all the way to starting to your new role including:
Document gathering and checking COS and Visa Application support if applicable
Support sourcing short- and long-term accommodation
Travel Arrangements Family support for finding schools and any other aspects of pastoral care

105,504 - 139,882

An NHS teaching hospital in the West Midlands is looking for a Locum Consultant in Microbiology with an interest in clinical microbiology, infection control, and antimicrobial stewardship. The Microbiology department comprises a team of 5 consultant microbiologists and is supported by a large team of middle grade doctors. This Microbiology job is open to both international applications and UK-based doctors, though those with European Specialist or FRCPath qualifications are most encouraged to apply.

Anyone requiring portfolio support (formally known as CESR) can have their required support discussed on a case by case basis.

JOB REQUIREMENTS AND DETAILS

FRCPath (or equivalent) and significant experience in microbiology and infectious diseases are required for this role, and anyone with an interest in antimicrobial stewardship and infection control should apply. The salary will be between £105,504 and £139,882 dependent on experience or grade.

CORE DUTIES OF THIS ROLE

  • Provide clinical microbiology advice for inpatients and outpatients, including infection control and antimicrobial therapy recommendations.

  • Participate in multidisciplinary team meetings such as OPAT, diabetic foot, and spinal infection MDTs.

  • Be part of a 1:7 on-call rota, providing microbiology advice out-of-hours to hospital and community services.

  • Contribute to laboratory report validation, audit activities, and CPD, including teaching junior doctors and medical students.

LIFE IN STOKE

This role is based in Stoke-on-Trent. Many staff choose to live in Stoke itself for urban convenience, or in nearby towns like Stone or rural Cheshire for a quieter lifestyle. The area is well-served by excellent transport links, schools, and local amenities, with plenty of leisure activities including country parks, theatres, and restaurants. Stoke-on-Trent has a rich industrial heritage and is famously known as the heart of the UK’s pottery industry, offering cultural and historical interest alongside modern healthcare innovation.

HOW WILL IMG CONNECT SUPPORT YOU?

When applying with IMG Connect you’ll have the full support of an expert recruitment team who will be your recruitment and relocation partners throughout the process. We\'ll support you with:

  • CV Preparation with a bespoke session with one of our specialists

  • Application support with expert knowledge of NHS specialisms & recruitment practice

  • At least two video calling interview preparation sessions

  • Contract and offer negotiations for salary, relocation packages, tenure and more
    Once you have accepted your new role, you’ll then be supported and led throughout by one of our dedicated relocation executives who will guide you through all the way to starting to your new role including:

  • Document gathering and checking COS and Visa Application support if applicable

  • Support sourcing short- and long-term accommodation

  • Travel Arrangements Family support for finding schools and any other aspects of pastoral care

105,504- 139,882

An NHS teaching hospital in the North of England is looking for a Consultant in Medical Oncology with all interests considered. The oncology department comprises a team of consultants and is supported by a large team of middle grade doctors. This Medical Oncology job is open to both international applications and UK-based doctors, though those with European Specialist Registration or MRCP (UK) are most encouraged to apply.

Anyone requiring portfolio support (formally known as CESR) can have their required support discussed on a case-by-case basis.

JOB REQUIREMENTS AND DETAILS

Full GMC registration with a licence to practise and inclusion (or eligibility within 6 months) on the Specialist Register in Medical Oncology are required for this role. The salary will be between £105,504 and £139,882 dependent on experience or grade.

CORE DUTIES OF THIS ROLE

  • Manage and treat patients with cancers as part of the site-specific MDTs.

  • Provide on-call and acute cover for oncology inpatients and new inpatient referrals on a rotational basis (1 week out of 8).

  • Attend weekly multi-disciplinary meetings.

  • Hold an honorary lecturer position at a local medical school and participate in undergraduate teaching.

  • Participate in clinical research as appropriate.

  • Train and teach specialty trainees in medical oncology.

LIFE IN THE NORTH OF ENGLAND

This role is based in the North of England, a region that offers the perfect balance of urban convenience and rural charm. Residents can enjoy city living in York or find quieter settings in the nearby countryside and villages. The area boasts outstanding schools, excellent transport links, and a wide variety of cultural, sporting, and outdoor activities. With its strong ties to Britain’s industrial heritage and the beautiful countryside on its doorstep, the North of England is a popular choice for healthcare professionals relocating to the UK.

HOW WILL IMG CONNECT SUPPORT YOU?

  • CV Preparation with a bespoke session with one of our specialists

  • Application support with expert knowledge of NHS specialisms & recruitment practice

  • At least two video calling interview preparation sessions

  • Contract and offer negotiations for salary, relocation packages, tenure and more

Once you have accepted your new role, you’ll then be supported and led throughout by one of our dedicated relocation executives who will guide you through all the way to starting to your new role including:

  • Document gathering and checking

  • COS and Visa Application support if applicable

  • Support sourcing short- and long-term accommodation

  • Travel Arrangements

  • Family support for finding schools and any other aspects of pastoral care

Would you like this version saved as a text document?

Search Vacancies

Ask a question

Check your salary

error: Content is protected !!