Our Basic Bank Account - Open to everyone*
No credit checks, No charges for bounced Direct Debits

MasterCard Prepaid Card included.
Monthly mangement fee of £12.50 applies
Apply Now
*Permanent UK residents aged 18 and over. Subject to satisfactory identity and residency checks. One off set up fee of £12.50.
No credit checks


Switch to our Current Account.

Earn cash rewards at leading retailers.

How much is your bank charging you?

Welcome To Our Account

A refreshingly simple and transparent bank account that’s open to everyone regardless of credit history. To open our bank account you need to be a permanent UK resident aged 18 or over and pass satisfactory identity and residency checks. This makes our basic bank account ideal for people who may have struggled to get a bank account elsewhere.

Why open The Secure Trust Bank Account

The Secure Trust Bank Current Account is a basic bank account designed to help you to manage your money. We won’t charge you for bounced direct debits or standing orders and because there is no overdraft facility you can stay in control of your money. You can manage your account online and by telephone.

Benefits of our Bank Account

  • No fees for bounced Direct Debits or Standing Orders
  • No overdraft facility – you cannot go overdrawn with our account
  • A basic bank account with an established Bank
  • No credit checks – bad credit history and bankrupty accepted
  • Secure online banking with tracking and budgeting tools
  • Pay in wages or benefits
  • Set up and pay bills by Standing Order or Direct Debit
  • Earn up to 4% cash rewards at over 35+ high street retailers

To open our account there is a one off set up fee of £12.50 and a monthly management fee of £12.50

A Basic Bank Account with a MasterCard® Prepaid Card

Our Bank Account comes with a MasterCard® Prepaid Card which can be used at over 30 million outlets worldwide, for online and telephone purchases and to make cash withdrawals at ATM’s showing the MasterCard® Acceptance Mark excluding Link ATM's**. A 50p ATM withdrawal fee applies on cash withdrawals

As this is a Prepaid Card, you must ‘load’ money onto your card before you spend – like a ‘Pay as You’ Go mobile phone ‘top up’. This way, the money you spend on your Prepaid Card is separated from the money in your Current Account – so you can shop safe in the knowledge that your bills will be paid from the money kept aside in your Current Account.

Earn Cash Rewards with our Account

All Secure Trust Bank Current Account customers are automatically enrolled in to our rewards scheme, which allows you to earn up to 4% rewards from over 35 high street retailers. Just pay for your goods using your MasterCard Prepaid Card and the cash rewards are paid back into your account 2 months later. Terms and conditions apply.


Fee applies for cash withdrawals and overseas transactions.  See our Account Fees for details.

Opening an account is quick and easy!

Apply online now or call us on 08451 117 111


Calls may be recorded and monitored for training and quality purposes

Secure Trust Bank PLC. Registered in England and Wales 541132. Registered Office: One Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our registration number is 204550

Prepaid MasterCard card is issued by Secure Trust Bank PLC pursuant to licence by MasterCard International Incorporated. MasterCard is a registered trademark for MasterCard International.

All communications with us may be monitored/ recorded to improve the quality of our service and for your protection and security.

Copyright © 2011 Secure Trust Bank. All Rights Reserved.
Built and Maintained by The Design Partnership