It’s a cliché expression, but I can’t believe it’s been over a month since my plane landed at Heathrow airport. I feel like everything has been go, go, go the whole time, so I’m trying to take some time to reflect, and to write about what has been the most stressful part of my move: opening a bank account. It’s one of the big things when you move abroad, but there are certainly others, so I’ll be writing about those as well – hopefully this might help if you’re (thinking of) moving to the UK!
Opening a bank account in the UK
Since I moved to the UK for a job, opening a bank account was top of my list of priorities because I wanted to be paid. The last time I opened an account in the UK, I was a student, and I’ve since found that the requirements for opening an account as a student are endlessly easier than when you’re here under any other status (essentially as a student, all you need to do is show a letter of acceptance from the university where you’ll be studying and they’ll let you open an account – except at NatWest where they have a three year residency requirement for students wanting to open a student account). It took two weeks for me to find a bank that would accept me, and I’m not going to lie, I cried through the streets of London on a few occasions because of how stressful the whole process was. I’m not sure how helpful writing up my experience will be for future movers to the UK, but in case it is, here’s how it went down.
Before I moved, I made an appointment with Santander online for shortly after my arrival since a lot of banks are currently requiring you make an appointment in advance due to the pandemic. Santander has a bank account that is specially for people who have relocated to the UK within the last twelve months, either to study or to work. Perfect, right? Or so I thought. To open a bank account in the UK, you need proofs of address, and this is a whole catch-22 situation where you sometimes can’t get those proofs without a bank account, but you can’t get a bank account without them (flashbacks to France). Santander required two proofs of address, but would allow me to use a letter from my employer with my UK address as one of them. I had already sorted out my living situation, so I had an address going in, but you can see how this would be problematic if you didn’t have a permanent address, yet. The list of proofs of address you can use is fairly long, but as a non UK citizen, about 1/3 of them weren’t available to me anyway. The bank also wouldn’t accept my lease agreement as I didn’t go through an estate agent, I didn’t have a utility bill or council tax as that’s included in my rent, and I couldn’t provide a bank statement from the UK as I didn’t already have a UK bank account (Monzo is usually recommended but I was denied for reasons beyond my knowledge). I was told that a good workaround is to apply for a provisional driver’s license but that requires sending your passport off, and there’s currently a massive backlog so that would’ve been problematic given that I didn’t want to wait potentially 16 weeks to open a bank account! The first full day I had in London, I rang HMRC to change my address on file so I could get an NiN letter with that on it as Santander had said they’d accept it, but of course, I couldn’t make that phone call until I was physically in the UK (if you don’t already have an NiN, you might have to apply for one – anecdotally I have heard of some people needing one to open a bank account, but that wasn’t ever asked of me).
ANYWAY, I went to my appointment without a second proof of address (as I didn’t have one), and was promptly told they couldn’t do anything until I had one. Since I’d already rung HMRC, I decided to play the waiting game and see when that documentation arrived. It took eight working days, and then I immediately made another appointment for Santander because hooray, I now had the necessary documents! Too bad my HMRC letter didn’t have a date on it so Santander wouldn’t take it (you can imagine my face when the employee told me that). Their suggestion at that point was to either phone HMRC again and wait another 10 working days, or try another bank. I chose the latter, and so began a four hour journey through central London, which was (I’ll admit) a little teary at times.
I went to Barclay’s next and the first branch I stopped in told me their next appointment wasn’t for three weeks, so I ventured further on to another branch, and they told me to download their app to apply. Unfortunately, their app doesn’t work on the US App Store, so I would’ve had to change the region for the App Store, which would then cancel out the subscriptions I have, which… no thank you. It ultimately didn’t matter as they wouldn’t accept my HMRC letter as proof of address, nor would they accept my letter of employment as my employer isn’t registered with UKVI. At this point, I was genuinely asking myself how on earth I was going to get a bank account so that I could get paid!
I googled Lloyd’s and Metro bank, both of whom either required a dated HMRC letter, or other proofs of address that I didn’t have as someone who had just moved (funny how you can be hired by a company in the UK, be on a contract where you’re paid in £ and still be told they won’t let you open a bank account). I was about to give up when I happened upon an HSBC. I was pretty sure based on my research that it wouldn’t be an option, but I decided to give it one last go anyway. They let me apply with just my letter of employment from my employer! I had to do the application process online in the branch and then wait while they processed it – I wasn’t approved for the account they had recommended I apply for, but they did approve me for another one and at that point, I was so desperate just to get an account going that I took it and RAN. I truly can’t believe how hard it is to open a bank account here. I thought France was the worst, but the UK manages to eclipse that entirely.
If you’re moving to the UK for work, here are some items you can use as proof of address so you can have that list handy (although know that every bank will have their own idiosyncrasies so do a quick Google beforehand if you can):
- Letter of employment from employer (this needs to be on letterhead paper with the name of your employer, your full name, your UK address, and salary information, all signed by someone in HR)
- Council Tax statement (this is something all UK residents other than students pay so get that set up ASAP if not included in your rent)
- Utilities bill (again, need to get it set up since you have to show a letter with your address on it, and it might take a while to generate the statement, assuming utilities aren’t included in your rent)
- Lease agreement (this tends to need to be from an Estate Agent or a registered letting company, so if you do a bare lease agreement or something with family/private, it might not work)
- Provisional Driving License (you can apply for this once you’re in the UK, but it will require sending off your passport/BRP to DVLA [depending on your status in the UK])
- HMRC tax statement (only works if you’ve worked in the UK before)
- National Insurance Number Letter from HMRC (if you already have an NiN, you can ring them to change your address and they’ll send you a new letter. Make sure it’s dated as banks tend to have a clause of “dated within the last three months”. Otherwise, you’ll have to wait to get your NiN as you can’t ring HMRC to do that)
- Bank statement from a UK bank account (this is where Monzo comes in handy, although they’ve tightened their requirements for approval so it’s hit or miss if they’ll approve you. You can only open a Monzo account once you’re in the UK)
Additionally, you’ll need to show a proof of identity which will either be a UK/Irish passport, or a non UK/Irish passport with your right to live inside or your BRP (being a visitor or a tourist doesn’t tick this box). Americans also need to know their Social Security Numbers (you don’t have to show proof of it, though) as due to FATCA, all foreign bank accounts have to be declared.
I did get my debit card within a week of opening the account, though, and the PIN as well so that was quick! I knew opening a bank account would be difficult, but I genuinely had no idea how stressful it would be. If you manage to open an account with just a letter of employment (as I did), and are using a temporary address (like an AirBnb or a friend’s place), be sure you’ll be there long enough to receive your card and PIN as those will come through the post.
Registering with a GP
In addition to opening a bank account once I got here, I also needed to register with a GP. I had an NHS number from when I studied abroad, but the surgery where I’d been registered was local to where I studied abroad, and not where I’m now living in London (and you need to be registered with a GP that services the postcode where you live). If you don’t already have an NHS number, you’ll have to get one at some point, although I’m not sure if you need it to register or if you can do it without (assuming you weren’t automatically registered with your visa type). This process involves going onto the NHS website to find what GPs might service your catchment (and I say might as they might service the first letter and number of your postcode, but not the last three), and then investigating if they’re accepting new patients. If they are, you can apply to register there. I was able to do it online, and now I’ve got a GP in the UK. I’ll comment that I received no notification that I’d been registered so phoned up to confirm, but the process was quick and easy (I was registered in two days). My only big gripe is that the UK hasn’t yet come up with a way to register Covid vaccinations from abroad. While it’s noted in my file at my GP, I can’t have access to the Covid Pass, and if they start rolling out boosters to the general public, it’s going to be a mess to get that as the NHS has no record of me having gotten the first two doses (fun things to deal with in the future).
As a side note, A&E (Accident and Emergency) care is free to anyone, whether you’re registered with a GP or not! There is a triage system in place, so you might have to wait a bit of time, but you can access that care if you need it. You can also phone 111 to speak with an NHS advice professional who can instruct you on further steps for your care.
Getting a phone number
When you initially arrive in the UK, you’ll want a phone number. The best way to start is with a Pay As You Go plan. This will give you one month of data/texts/minutes. I started out buying a SIM from Three, but then when my month was up, I switched to EE because they have better service, and I could get WiFi in tube stations (which is something I missed while on Three). Unfortunately, without a British bank account, you can’t get on a monthly phone contract, and even with one, you’ll have to pass a credit check. I’m currently on a rolling monthly contract so I’m not locked into anything (always a little worried the world will flip upside down again), but if things start to look super permanent for me, then I’ll consider transitioning to a 12 month contract. The benefit of my switching out of Pay As You Go, though is also that since I’m now on a contract, it will start contributing to my credit score in the UK! This is especially a big deal as there isn’t really any other way for me to build credit currently, as I’m ineligible for any UK credit cards without at least three months residency (and most require even more, sometimes even up to three years!).
Those are the biggest things (to me at least) when it comes to moving to the UK! It’s certainly overwhelming, and over a month in, I’m still getting used to everything, but at least I’ve sorted most of the bureaucratic things (until tax season comes around, ugh). I hope this was somewhat helpful if you’ve got your sights set on the UK, or are in the process of making plans to move there. Please let me know if I’ve forgotten anything, though!
Not Your Average Giraffe 