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.


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Relevant Jobs

99,532 - £107

An NHS district general hospital in the West Midlands is looking for a Specialist Grade Haematologist with an interest in haemato-oncology, laboratory haematology and blood transfusion. The Haematology department comprises a team of 3 consultants and is supported by a large team of middle grade doctors. This Haematology job is open to both international applications and UK-based doctors, though those with European Specialist or FRCPath (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

FRCPath (or equivalent) and broad experience in clinical and laboratory haematology are required for this role, and anyone with an interest in clinical trials, haemato-oncology, education, or blood transfusion should apply. The salary will be between £96,990 to £107,155 dependent on experience or grade.

CORE DUTIES OF THIS ROLE

  • Provide clinical support in both inpatient and outpatient settings, working closely with consultants and the multidisciplinary team.

  • Participate in the delivery of chemotherapy and specialist care via the dedicated oncology/haematology unit.

  • Contribute to clinical governance, teaching of junior doctors and nurse practitioners, and development of service pathways.

  • Assist with laboratory haematology duties including blood film reporting, and advise on transfusion and diagnostic services.

LIFE IN THE WEST MIDLANDS

This hospital is located in a picturesque region of the West Midlands, with access to both rural retreats and small city living. Residents enjoy a mix of traditional market towns and vibrant city centres, with good schools, easy rail access to Birmingham, and plenty of green spaces for outdoor activities. The area has deep historical roots, from medieval cathedrals to Roman forts, offering a unique combination of 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

105,504- 139,882

An NHS hospital in South East England is looking for a Consultant in Clinical Oncology with an interest in Upper and Lower GI cancers. The Oncology department comprises a team of four Clinical Oncologists and a Consultant Radiographer, 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 Registration, GMC Specialist Register, CCT, or CESR 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

GMC registration with a license to practice, CESR, or a GMC-recognised qualification such as FRCR is required for this role. Anyone with an interest in Upper and Lower GI cancer should apply. The salary will be between £105,504 – £139,882 dependent on experience.

CORE DUTIES OF THIS ROLE

  • Provide expert oncology care for patients diagnosed with Upper and Lower GI cancers, overseeing treatment plans and managing patient care.

  • Participate in multidisciplinary team (MDT) meetings across sites to coordinate treatment.

  • Contribute to research and clinical trials within the Oncology department, promoting innovation in GI cancer treatment.

  • Engage in teaching opportunities with medical students and junior doctors, especially in preparation for the launch of a new postgraduate medical programme.

LIFE IN SOUTH EAST ENGLAND

This hospital is located in the South East of England, a region known for its mix of lively coastal cities and peaceful countryside towns. It offers great transport links to London, top-performing schools, and diverse leisure options, including historic landmarks, nature trails, and vibrant cultural scenes. The area is rich in maritime and military history, making it a unique and engaging place to live and work.


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 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 to 139,882

An NHS district general hospital in Yorkshire is looking for a Consultant Dermatologist with an interest in skin cancer and minor skin surgery. The Dermatology department comprises a team of locum consultants, an experienced Specialty Doctor, and a Biologic Nurse Consultant, supported by a large team of middle grade doctors. This Dermatology job is open to both international applications and UK-based doctors, though those with European Specialist or MRCP (UK) or SCE 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 and significant experience in general dermatology and minor surgery, are required for this role. Anyone with an interest in skin cancer management and dermatological surgery should apply. The salary will be between £109,725 and £145,478 dependent on experience or grade.

CORE DUTIES OF THIS ROLE

  • Deliver high-quality general dermatology services, including urgent and routine outpatient clinics.
  • Participate in subspecialty clinics, particularly for skin cancer diagnosis, management, and surgery.
  • Contribute to departmental management, teaching, and supervision of junior doctors and medical students.
  • Support service development and clinical governance through audit, guideline development, and education initiatives.

LIFE IN THE NORTH OF ENGLAND

???????This hospital is situated in the north of England, with popular residential areas including vibrant cities and picturesque countryside locations. Urban dwellers may enjoy city life in places like Sheffield or Leeds, while rural enthusiasts might prefer the surrounding villages and national parks. The region offers great schools, excellent transport connections, and a wide variety of leisure activities for all lifestyles. Historically significant for its industrial roots, the area remains a vital and evolving part of British 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
105,504- 139,882

An NHS cancer centre in Northern Ireland is seeking a Consultant Clinical Oncologist with a specialist interest in Upper GI and Breast cancers. The department includes 11 oncology consultants and is supported by a team of middle grade doctors and specialty trainees. This position is open to both UK-based and international doctors, particularly those with FRCR or European Specialist Registration.

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

JOB REQUIREMENTS AND DETAILS

Applicants should have full GMC registration and at least 6 years of postgraduate experience in Clinical Oncology. The salary for this role is between £88,799 and £119,723, dependent on experience.

CORE DUTIES OF THIS ROLE

  • Manage patients with Upper GI and Breast cancers across inpatient and outpatient settings.

  • Engage in tumour site-specific MDTs and contribute to treatment planning and decision-making.

  • Support the training and mentoring of oncology registrars and junior doctors.

  • Contribute to service development, teaching, and clinical governance.

LIFE IN NORTHERN IRELAND

Based in the north-west region of Northern Ireland, this location offers both city and rural living, with access to scenic countryside, the coast, and neighbouring towns. The area features well-rated schools, convenient transport infrastructure, and rich opportunities for cultural, historical, and recreational pursuits. It’s a growing destination for healthcare professionals seeking balance between professional development and quality of life.


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

107,144 - 142,369
An NHS teaching hospital in Scotland is looking for a Consultant Haematologist with an interest in Thrombosis and Obstetrics Haematology. The Haematology department comprises a team of 8 consultants and is supported by a large team of middle grade doctors. This Haematology 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.

CORE DUTIES OF THIS ROLE
  • Deliver Haematology services across multiple NHS hospital sites, with inpatient care based at the main centre.
  • Conduct outpatient clinics, lab-based diagnostics, MDT participation, and administrative responsibilities.
  • Participate in the on-call rota (1 in 8), including weekend ward rounds and lab duties.
  • Support the development of junior doctors and engage in audit, research, and quality improvement.
LIFE IN SCOTLAND

The hospital is based in the central belt of Scotland, with urban living options like Glasgow and more rural choices such as the Clyde Valley. The region offers a good range of schools, strong public transport, and plenty of leisure activities for both professionals and families. Historically rich and industrially significant, this area has evolved into a hub for modern healthcare delivery and research.

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

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