What Documents Do You Need to Open a UK Bank Account?

The documents you need depend on the bank, account and application channel. Expect checks on your identity and address; some applicants also need immigration or tax-residency information. Do not assume exactly two documents work for every bank. Check its current instructions before applying.

What can establish my identity?

An in-date passport or accepted photocard driving licence may be suitable. Providers set their own accepted-document list and may request additional checks. A document suitable for one account may not be suitable for another, and one bank may allow a document to establish more than one fact while another does not.

What can establish my address?

The bank may accept a named statement, government letter, utility bill or other specified document. Check the allowed date range, whether it must show recent activity and which file formats are accepted. Your name and current address should match the application.

As a concrete example, HSBC's identification page explains its online document options and age limits, including differences for council-tax documents. It accepts specified online statements; this means a blanket rule rejecting all digital statements would be misleading. Follow the provider's exact upload instructions and do not substitute cropped screenshots for a complete document.

Can I use a BRP or an eVisa?

All BRPs have expired and have been replaced as immigration-status records by eVisas. An expired BRP may still help you access your UKVI account within the government's conditions; that does not make it current proof of immigration status. Check GOV.UK guidance, then ask your bank which evidence it requires. Do not assume an eVisa share code replaces identity or address checks.

What if I have just moved to the UK?

Ask about alternatives before spending time collecting a document the bank cannot accept. Students may have university documents and other applicants may have official correspondence, but acceptance is provider-specific. Read our new-arrival banking guide for a step-by-step application journey and official provider links.

What should I check before uploading?

1. Confirm you are using the bank's official website or app.
2. Check that the document type, issue date and format are accepted.
3. Make sure the required page is readable and the full document is visible.
4. Check your name and address against the application.
5. Ask the bank about translation or certification if needed; do not pay for it before confirming the requirements.

Never send identity documents to RichQuid. We explain the process but cannot verify your identity, open an account or guarantee acceptance.

Does a complete document pack guarantee approval?

No. The bank also applies its eligibility and verification rules, and may need further information. If it declines your application, ask about other suitable products or the complaints route if you believe a mistake was made. Borrowing eligibility is separate: our no-history credit guide explains the distinction.

This checklist was checked on 16 September 2026. Always use the provider's latest document instructions for the particular account and application channel.