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:
- Options can be confusing
- Do I need a new bank account?
- How do you set up an account and what do you need?
- Once your account is open, what next?
- Monitoring your account
- Which bank should I choose?
- The main five banks
- Ethical banking
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:
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.
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Anyone requiring portfolio support (formally known as CESR) can have their required support discussed on a case-by-case basis.
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This Clinical Oncology job is open to both international applications and UK-based doctors, though those with European Specialist qualifications or FRCR are most encouraged to apply.CCT in Clinical Oncology or equivalent experience, including CESR pathway candidates.
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Provide high-quality specialist care to melanoma patients attending the Kent Oncology Centre.
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Kent boasts a wide range of excellent primary and secondary schools, including several grammar schools, and is well connected to London via high-speed rail and road. Residents enjoy easy access to historic castles, the coast, national parks, shopping, and outdoor activities—perfect for both adults and families.
Known as the “Garden of England,” Kent holds historical significance with its Roman heritage, medieval cathedrals, and coastal defense legacy, offering a unique blend of culture and natural beauty.
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At least two video calling interview preparation sessions
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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 all the way to starting your new role, including:
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Document gathering and checking
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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
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Anyone requiring portfolio support (formally known as CESR) can have their required support discussed on a case by case basis.
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The area is rich with excellent schools, convenient rail and road links, and beautiful scenery for outdoor enthusiasts. Historically, the region has played a key role in British shipbuilding and industrial development and today combines coastal charm with cultural heritage and modern living.
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
An NHS teaching hospital, in Kent is looking for a Consultant in Medical Oncology with an interest in Melanoma. The Oncology department comprises a team of over 40 Clinical and Medical Oncology consultants and is supported by a large team of middle-grade doctors, fellows, and trainees.
Anyone requiring portfolio support (formally known as CESR) can have their required support discussed on a case-by-case basis.
JOB REQUIREMENTS AND DETAILS
-
This Medical Oncology job is open to both international applications and UK-based doctors, though those with European Specialist qualifications or MRCP are most encouraged to apply.CCT in Medical Oncology or equivalent experience, including CESR pathway candidates.
-
The salary will be between £105,504 and £139,882 dependent on experience or grade.
CORE DUTIES OF THIS ROLE
-
Provide high-quality specialist care to melanoma patients attending the Kent Oncology Centre.
-
Attend relevant MDT meetings and coordinate treatment planning with other specialists.
-
Participate in departmental research initiatives and contribute to national and local clinical trials.
-
Contribute to training and supervision of junior doctors and participate in clinical governance activities.
Life in Kent
The area offers the best of both worlds: urban living in towns like Maidstone and Tunbridge Wells, and tranquil countryside villages such as Lenham or Goudhurst.
Kent boasts a wide range of excellent primary and secondary schools, including several grammar schools, and is well connected to London via high-speed rail and road. Residents enjoy easy access to historic castles, the coast, national parks, shopping, and outdoor activities—perfect for both adults and families.
Known as the “Garden of England,” Kent holds historical significance with its Roman heritage, medieval cathedrals, and coastal defense legacy, offering a unique blend of culture and natural beauty.
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 all the way to starting 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
An NHS specialist cancer centre in Lancashire and South Cumbria is looking for a Consultant in Medical Oncology with an interest in upper and lower GI cancers. The oncology department comprises a team of 8 consultants and is supported by a large team of middle grade doctors.
Anyone requiring portfolio support (formally known as CESR) can have their required support discussed on a case by case basis.
JOB REQUIREMENTS AND DETAILS
This oncology job is open to both international applications and UK-based doctors, though those with European Specialist registration or MRCP are most encouraged to apply.
Anyone with an interest in upper and lower GI oncology should apply.
The salary will be between £105,504 and £139,882 dependent on experience or grade.
CORE DUTIES OF THIS ROLE
-
Provide systemic therapy services for patients with upper and lower GI cancers across UHMB sites.
-
Participate in multidisciplinary team meetings for lung and upper GI cancer and support associated administrative duties.
-
Lead and contribute to acute oncology services across the Trust (no on-call required).
-
Support teaching, supervision, and mentorship for junior medical staff and trainees.
LIFE IN LANCASHIRE AND SOUTH CUMBRIA
The area is rich with excellent schools, convenient rail and road links, and beautiful scenery for outdoor enthusiasts. Historically, the region has played a key role in British shipbuilding and industrial development and today combines coastal charm with cultural heritage and modern living.
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