 International student? Here’s How to Open a UK Bank Account…

Opening a UK bank account is one of the most important tasks for international students settling into life in the United Kingdom. From managing daily expenses to receiving salary or scholarship payments, having a local bank account makes your student journey smoother and financially smarter.

Let’s face it, there’s enough to think about when you’re moving to a new country. Opening a bank account is just one in a long list – but doing so shouldn’t add stress to your life. Not when you have StuHomes’ handy guide to getting started.

Here’s how to set up your UK bank account easily and swiftly…

Why You Should Set Up a UK Bank Account

There are many reasons, but here are the main ones:

You’ll avoid high international transaction and ATM withdrawal fees
You can easily pay rent, bills and buy your food shopping and other uni essentials
You can receive your salary (if you’re working alongside your degree), or any financial aid you’re entitled to.

On top of the above, you can begin to build a UK credit history, which is useful for future rental agreements, loans, and lots more.

Opening a UK Bank Account: What You’ll Need 

International students who are ready to set up a bank account here in the UK will need:

A passport or national identification
A UK Student Visa or BRP (Biometric Residence Permit) – if applicable
A CAS or enrollment letter from your university. This confirms your student status.
Proof of address, such as a tenancy agreement or accommodation letter, a recent utility bill, or a university-issued* bank letter confirming your place of residence.

*Most universities will offer a ‘bank letter’, which has been tailored for these purposes – simply request one to speed up the application process.

The Best UK Banks for International Students

Not all banks cater equally to the needs of international students. Based on ease of account setup, services, and student-friendly policies, we’ve rounded up some of the most popular choices.

1. Lloyds Bank – Classic Account 

A straightforward account with no monthly fee, Lloyds Bank’s Classic Account is ideal for everyday use. It also comes with a contactless debit card and a user-friendly mobile app to make your life in the UK as easy as possible.

2. HSBC – Basic or Student Account 

If you already bank with HSBC in your home country, this account is for you. Some international branches allow you to initiate the UK account setup before you arrive too.

3. Barclays – Student Additions Account 

Trusted by many students for its budgeting tools and optional overdrafts (subject to eligibility), Barclays’ Student Additions Account is well worth looking into.

4. Monzo/Revolut (Digital-only Banks) 

Quick and easy to open and perfect for managing daily expenses via your smartphone, digital-only accounts are an option too. However, do be aware that some institutions or landlords may not accept these as primary accounts.

Each of the accounts listed above come with varying eligibility criteria and features. It’s important, therefore, to do your research based on your needs.

Consider everything from easy, in-branch access, to whether the account offers international transfers, and if it comes with its own app. The latter will make managing your money from your StuHomes accommodation much easier.

Once you’ve selected the right bank account for you, the process typically follows these simple steps. Be prepared and you’ll save yourself lots of time. Here’s what to do:

Book an Appointment

Some banks require you to visit in person to open your account, especially during busy months like September. If you do need to head to the branch, gather the necessary documents (refer to the checklist above) and make sure your paperwork is valid and in date.

Then, simply attend your appointment or complete the process online, uploading the relevant documents via the bank’s online portal.

Activate Your Account 

Once approved, you’ll receive your debit card and account details in the post within three to 10 working days. Some banks, particularly digital ones, offer near-instant activation, but always verify their legitimacy and your needs first.

Frequently Asked Questions

Generally, UK banks require in-person verification.

For traditional banks, you must already be in the UK to complete your application.

There are some exceptions, however. HSBC and Santander offer ‘international student’ setups from your home country in specific regions.

You can also check out digital alternatives, such as Wise, Revolut, and Monese. By doing so, you may be able to create accounts before arrival, but digital-only accounts aren’t accepted everywhere (check with your landlord of employer first).

Yes, many students use both a traditional bank and a digital bank for different purposes.

No, but it will be necessary if you plan to work in the UK.

This is uncommon, unless you’re living with a spouse or long-term partner. Most banks recommend individual student accounts.

 It’s not unusual for students to face delays or feel confused when setting up a UK account. Here’s how to avoid some of these challenges:

Double check if your documents are valid and up to date. You could also ask your university for a bank letter and try again.

No problem. Simply use your university accommodation contract or request an official letter from your housing provider.

Simply open a digital bank account (e.g., Monzo or Revolut) for immediate use while you wait for your main account to be approved.

Opening a UK bank account may feel like a small task, but it lays the foundation for your financial independence and peace of mind while living and studying somewhere unfamiliar. Thanks to our StuHomes guide, the process is quicker and more straightforward than you think.

Our advice? Ask your university’s international student services for assistance. After all, they’re there to help make your transition to university in the UK as easy as possible.