Current Account
  |  | 18 | No | No | Pay in cash or cheques at Barclays for free. | Pay in cash
(£1 fee). Can't deposit cheques. | No. £1.50/£3.00 +2.75% UK/Non-UK withdrawal fee. MasterCard ATMs only. No LINK ATMs. Some ATMs may charge a fee. | Proof of identity and address/residency required. £12.50 monthly management fee. Undischarged bankrupts/IVAs accepted. No Direct Debits. |  |
Prepaid Debit Card Account
  |  | 18 | No | No | Pay in cash at 1600 Cashplus stores for free or epay outlets for £3. | Pay in cash
for free. | Generally no. MasterCard ATMs only. No LINK ATMs. Most account holders will pay a £2.00 UK withdrawal fee. All withdrawals abroad incur a fee of £3.00. Some ATMs may charge a fee. | Proof of identity and address/residency required. Undischarged bankrupts/IVAs accepted. Choice of account types. Fees and charges may apply. |  |
Basic Current Account
  |  | 18 | No | £5 Direct Debit. £0 Standing Order. However, these facilities may be withdrawn if this is done more than once.
| Pay in cash at 23,000
PayPoint locations (3%). | Pay in cash
for free. | No. UK/Overseas ATM withdrawal fee £0.50/£2.25. Visa ATMs only. No LINK ATMs. Some ATMs may charge a fee. | Proof of identity and address/residency required. £12.50 opening fee/monthly fee. Undischarged bankrupts/IVAs accepted. |  |
Basic Account
  |  | 18 | £10 | £6 (max. £60 in
charging period). | Deposits, withdrawals, balance enquiries. | Cash withdrawals, balance enquiries. No cash/cheque deposits. | Yes but ONLY RBS Group ATMs can be used in the UK (NatWest, RBS or Ulster Bank branded). Withdrawals abroad can be carried out at any Visa ATM subject to fees/charges. | Proof of identity and address required. No undischarged bankrupts. No CIFAS fraud flags. |  |
Basic Account
  |  | 18 | £10 | £6 (max. £60 in
charging period). | Deposits, withdrawals, balance enquiries. | Cash withdrawals, balance enquiries. No cash/cheque deposits. | As above (RBS Group Bank). | Proof of identity and address required. No undischarged bankrupts. No CIFAS fraud flags. |  |
Step Account
  |  | 18 | No | £10 (max. £100 in
charging period). | Deposits, withdrawals, balance enquiries. | Cash withdrawals, balance enquiries. No cash/cheque deposits. | Yes at RBS Group ATMs (NatWest, RBS or Ulster Bank). Withdrawals at other Visa ATMs may incur a fee. | Proof of identity and address required. No undischarged bankrupts. No CIFAS fraud flags. Suitable for residents of Northern Ireland as all branches are there. |  |
Cash Account
  |  | 18 | £10 | £10 (max. 3 items
per day). | Deposits, withdrawals, balance enquiries. | Cash withdrawals, balance enquiries, cash/cheque deposits. | Yes at Lloyds TSB, Halifax or Bank of Scotland cash machines. Withdrawals at other Visa ATMs may incur a fee. | Proof of identity and address required. No undischarged bankrupts. No IVAs. No CIFAS fraud flags. |  |
Barclays Basic Current Account
  |  | 18 | No | £8 (max. per day). | Deposits, withdrawals, balance enquiries. | Cash withdrawals. No cash/cheque deposits or balance enquiries. | Yes at Barclays and LINK ATMs. | Proof of identity and address required. Undischarged bankrupts accepted. No CIFAS fraud flags. |  |
Cash Account
  |  | 18 | £10 | £10 (up to 3 times
per day). | Deposits, balance enquiries. No withdrawals. | Cash withdrawals, balance enquiries. No cash/cheque deposits. | Yes but ONLY Bank of Scotland, Halifax, Lloyds TSB or Sainsbury’s cash machines can be used in the UK. | Proof of identity and address required. No undischarged bankrupts. No CIFAS fraud flags. |  |
Cashminder
  |  | 16 | No | £15 (max. £150 per quarter) (possibility that 3 failed payments could result in the account being closed). | Deposits, withdrawals, balance enquiries. | Cash withdrawals, balance enquiries, cash/cheque deposits. | Yes at ATMs displaying the LINK symbol. Withdrawals from VISA/PLUS ONLY ATMs will incur a fee. | Proof of identity and address required. No undischarged bankrupts. No CIFAS fraud flags. |  |
FlexAccount
  |  | 16 | No | £15 | Deposits, withdrawals (min. £100). No balance enquiries/mini statements. | Cash withdrawals, balance enquiries. No cash/cheque deposits. | Yes if using a Nationwide cash machines. Withdrawals from VISA/PLUS ATMs may incur a fee. | Proof of identity and address required. No undischarged bankrupts. No IVAs. No CIFAS fraud flags. |  |
Cash Card
  |  | 18 | No | £15 | Deposits, withdrawals (min. £100). No balance enquiries/mini statements. | Cash withdrawals, balance enquiries. No cash/cheque deposits. | Yes if using a Nationwide cash machines. Withdrawals from VISA/PLUS ATMs may incur a fee. | Proof of identity and address required. No undischarged bankrupts. No IVAs. No CIFAS fraud flags. |  |
Basic Bank Account
  |  | 18 | £10 | Possibly £0 but not specified in T&Cs (possibility that 3 failed payments could result in the account being closed). | Deposits. No withdrawals. Balance enquiries? | Cash withdrawals, cash deposits. No cheque deposits. Balance enquiries? | Yes at most ATMs in the UK. Some ATMs may charge a fee. Overseas ATM cash withdrawals are subject to fees and charges. | Proof of identity and address required. No undischarged bankrupts. No CIFAS fraud flags. |  |
Readycash
  |  | 16 | No | £35 | Deposits, withdrawals, balance enquiries. | Cash withdrawals, balance enquiries. No cash/cheque deposits. | Yes if using a Yorkshire/Clydesdale Bank ATM. Withdrawals from other Maestro branded ATMs may incur a fee. Non-UK withdrawals are subject to fees. | Proof of identity and address required. No undischarged bankrupts. No CIFAS fraud flags. |  |
Readycash
  |  | 16 | No | £35 | Deposits, withdrawals, balance enquiries. | Cash withdrawals, balance enquiries, cash/cheque deposits. | Yes if using a Clydesdale/Yorkshire Bank ATM. Withdrawals from other Maestro branded ATMs may incur a fee. Non-UK withdrawals are subject to fees. | Proof of identity and address required. No undischarged bankrupts. No CIFAS fraud flags. |  |
Danske Standard
  |  | 18 | No | £15 per item (max. £45 per calendar month). No charge if shortfall is £5 or less. | Deposits, withdrawals (4 free per month). No balance enquiries. | Cash withdrawals, balance enquiries, cash deposits, cheque (Northern Ireland Post Offices only) deposits. | Yes if using a Danske Bank ATM. Although usually free to use, withdrawals from other Maestro branded ATMs in the UK may incur a fee. Withdrawal fee abroad at Maestro ATMs is 2.75%. | Proof of identity and address required. No undischarged bankrupts. No CIFAS fraud flags. Permanent residents of Northern Ireland only. |  |
Easycash
  |  | 16 | £10 | £10 (max. 3 items
per day). | Cash withdrawals (min. £300 unless balance is £10 or less). No deposits or balance enquiries. | Cash withdrawals, balance enquiries, cash/cheque deposits. | Yes at Halifax and Bank of Scotland cash machines or ATMs displaying the LINK symbol. Although mostly free to use, some LINK cash machines may charge a fee. | Proof of identity and address required. No undischarged bankrupts. No IVAs. No CIFAS fraud flags. |  |
Cash Account
  |  | 11 | No | No outward
payments. | Deposits, withdrawals, balance enquiries. | No | Yes at Metro Bank UK ATMs and, usually free of charge, ATMs that display the MasterCard or LINK symbol. | Proof of identity and address required. No CIFAS fraud flags? No Direct Debits, Standing Orders or any other outward payments. |  |
CallSave MoneyManager
  |  | 16 | No | £20 | Deposits, balance enquiries. No withdrawals. | No | Yes, in UK. Coventry BS ATMs and LINK, VISA and PLUS branded cash machines can be used. Most of these are free to use. The withdrawal charge abroad at VISA and PLUS ATMs is 2%. | Proof of identity and address required. |  |
Basic Current Account
  |  | 16 | No | £25 | Deposits, withdrawals (min. £300), balance enquiries. | Cash withdrawals, balance enquiries. No cash/cheque deposits. | Yes at Santander cash machines and LINK ATMs. Most LINK cash machines are free to use. | Proof of identity and address required. No undischarged bankrupts. No CIFAS fraud flags. |  |
Basic Cash Account
  |  | 16 | No | Not explicitly specified in T&Cs (could be £21 + £21 = £42) but 3 failed payments within 12 months will result in the account being closed. | Deposits?
Cash withdrawals?
Balance enquiries? | Cash withdrawals (1 withdrawal allowed per day), balance enquiries. Cash/cheque deposits? | Yes at Bank of Ireland, First Trust, Ulster Bank and Danske Bank cash machines in Ireland or LINK cash machines anywhere in the UK. Most LINK cash machines are free to use. | Proof of identity and address required. No undischarged bankrupts. No CIFAS fraud flags. Must apply in branch which are all in Northern Ireland so suited to residents there. |  |
Basic Bank Account
  |  | 16 | £9.99 | £35 | No | Cash withdrawals, balance enquiries. No cash/cheque deposits. | Yes at First Trust Bank Banklink cash machines, certain First Trust Bank euro cash machines in Northern Ireland and AIB cash machines in the Republic of Ireland. | Proof of identity and address required. No undischarged bankrupts. No CIFAS fraud flags. Suitable for residents of Northern Ireland as all branches are there. No Standing Orders. |  |
Cash Transactor
  |  | 16 | No | £20 | Deposits, withdrawals, balance enquiries. | No | Yes. Only LINK branded cash machines can be used. Most of these are free to use. | Proof of identity and address required. Minimum opening balance of £100 is required. This can be withdrawn once account is opened. |  |
Personal Account
  |  | 18 | No | No. However, these facilities may be withdrawn if this is done more than once.
| Pay in cash or cheques at NatWest / RBS for free. | No | Not necessarily. MasterCard ATMs only. No LINK ATMs. Some ATMs may charge a fee. Non-UK withdrawal fee 2%. | Proof of identity and address/residency required. £14.50 monthly fee. Undischarged bankrupts/IVAs accepted. |  |