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!
Keep tabs on your account 24/7
You can access your account online 24/7/365 using our state-of-the-art online banking
It's fast and secure and gives you the ability to manage your finances whenever you like.
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
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.
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.
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.
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.
Our Bill Payment Service allows you to take the worry out of paying your bills. You just tell us what needs paying and when and we make sure your payments are set up.
You're less likely to overspend if you keep tabs of what's going out of your account. With cardonebanking you can check your balance 24/7
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.
*Subject to identification, residency - See terms and conditions. Cardholder must be at least 18 years of age. ***ATM charges may apply. †Bouncing a payment means rejecting a payment
**This product is not covered by the Financial Services Compensation Scheme.
CardOneBanking is a trading style of Spectrum Card Services Limited (Registered in England & Wales No. 6052256), which is a registered agent of Spectrum Payment Services Limited (Registered in England & Wales No. 6268340) under the FCA's Payment Services Regulations 2009. Registered Office: 24 Nicholas Street, Chester CH1 2AU. Spectrum Payment Services Limited is authorised by the Financial Conduct Authority under the Payment Service Regulations 2009 No. 504547 for the provision of payment services.
Mastercard is a registered trademark of Mastercard International Incorporated. The Card is issued by Wirecard Card Solutions Ltd ("WDCS") pursuant to licence by MasterCard International Inc. WDCS is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900051) ©2012 All rights reserved.