Apply in minutes

Apply in minutes

Our application form is short and easy to use.

It only takes a few minutes to complete and we'll send you your sort code and account number straight away!

Apply Now

Keep tabs on your account 24/7
Mobile banking
No credit checks
No bounced payment charges
UK call centre
Open to everyone
Image title

Secure Online Access

Keep tabs on your account 24/7

You can access your account online 24/7/365 using our state-of-the-art online banking facility.

It's fast and secure and gives you the ability to manage your finances whenever you like.

Mobile Banking

Manage your account by text

If you need a balance or would like to load funds to your CardOneBanking Prepaid Debit MasterCard® Card you can do it 24/7/365 simply by sending a text message.

You'll get an instant reply to confirm your request

No Credit Checks

We can help you manage your money

Your credit history is of no concern to us, in fact we like to help people who've had financial problems in the past.

We can help you to manage your money and set-up bill payments to help you get back on track. If you'd like our help, just ask.

It's all included in the 12.50 monthly fee.

No Bounced Payment Charges

We won't charge you if you can't make a payment

CardOneBanking don't charge you if you can't afford to make a payment which you've set up. Instead we'll notify you by text message a few days before your payment is due to be sent so that you can pay money in should you want to.

If you don't have enough money in your account to send a payment; we don't send it. And we certainly won't charge you for the privilege.

UK Call Centre

Your call is answered within seconds by one of our dedicated team

We're extremely proud of our call centre staff.
Our call centre is based in the UK and what's more we answer the phone, on average, in just 4 seconds!

So you'll not be kept waiting when you need to speak to us.

Open To Everyone

All we ask is that you're over 18 and a UK resident

If you're a UK resident aged 18 or over then this account is open to you.

We don't perform any credit checks, merely an ID and residency check which we can usually do instantly when you apply.

We don't usually need you to send any ID or proof of address, so apply today.

Money Managing Tips

What You Get:

  • Quick and easy to apply with no credit checks*
  • A basic bank account alternative that's open to everyone (subject to identification checks)
  • Safe and secure Direct Debits
  • One-to-one Account Manager and secure** online account access
  • No bounced payment fees or overdraft fees
  • Free text alerts every time money is paid in or bills are paid

How CardOneBanking Works

News about branch banking: please click here

cardonebanking offers an exciting online current account that is open to everybody* (subject to identification and residency, you must be at least 18 years of age and a UK resident). Even with bad credit you can get a current account opened instantly.

We'll help you manage your money so you can keep track of your money. Even if you can't pay a bill, we won't charge you and we will text you to let you know in good time. We'll help to ensure all your bills are paid on time. The cardonebanking jam-jar current account comprises of: the cardonebanking Billing Account for money in and also to pay your bills from, plus the cardonebanking Debit Mastercard® which is for your every day spending.

A no credit check* account, designed with you in mind.

Find Out More