The UK has long been one of the major financial centres of the world with residents having a number of different banks to choose from, each offering various packages tailored towards different needs.
In the UK most current accounts and credit cards are free and is there no need to pay banking fees to open an account.
Before you decide on a preferred bank, take into consideration which branches are convenient to your home and place of work. Check the opening hours and who offers the best credit cards in the UK for your budget.
Current Account
Opening a current account is an easy process. The simplest way is to complete an application online, though many banks do allow you to open an account in person or over the phone if you prefer.
The application form will ask you a number of questions regarding your personal and financial circumstances, and usually takes about 10 minutes to complete.
Most Popular Current Accounts
- HSBC
- RBS
- TSB
- Barclays
- Santander
- Nationwide
Credit Card
A credit card allows you to spread the cost of your spending. When you use a credit card to make a purchase, you borrow money from the credit card provider on a flexible contract. That means that you can pay back any amount over the minimum payment each month without penalty.
It’s worth considering who offers the best credit cards in the UK for your needs when choosing a bank. However you should note that credit rating is important in the UK and using a credit card responsibly and always paying your bill on time is crucial. This will go some way to starting to build your all-important credit score.
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