Bad Credit Current Accounts

If you’ve had problems getting credit in the past or no credit history at all, these accounts – also known as prepaid accounts – could be your best option.

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Overdraft rate (EAR) Interest rate (AER) Account fee
Think Money Personal Account
  • Easy to apply, no credit checks
  • No unexpected charges or fees
  • Prepaid debit MasterCard which can be used worldwide
0.0 % AER (variable)
£14.50 per month
Think Money: Think Money Personal Account
Bank Account
  • Standing Order & Bill Payment facility
  • No credit checks
  • Credit building facility through Creditbuilder
0.0 % AER (variable)
£9.95 per month or 2.5% Pay As You Go
Clear Cash: Bank Account
Current Account
  • No credit checks - guaranteed acceptance
  • Access your account 24/7
  • Pay in at Post Office & PayPoint
0.0 % AER (variable)
£12.50 per month
Tuxedo: Current Account
Card One Banking Prepaid Bank Account
  • No credit checks - guaranteed acceptance
  • No bounced payment charges
  • Free text alerts
0.0 % AER (variable)
£12.50 per month
Card One : Card One Banking Prepaid Bank Account
Prepaid Bank Account
  • Cash rewards at leading retailers
  • No credit checks
  • No charges for bounced direct debits
0.0 % AER (variable)
£12.50 per month
Secure Trust: Prepaid Bank Account
Ffrees Family Account
  • Current Account - free to join and no monthly fee
  • Easy application, instant acceptance with no credit checks
  • Ffrees Current Account Holders can earn £500 each year when shopping with Ffrees Retailers
0.0 % AER (variable)
No
Ffrees: Ffrees Family Account
Ffrees Account Plus
  • Free to join Current Account with free Visa Debit Card
  • Small monthly fee of £2.50 gives you 12% extra Ffrees Savings Points, meaning bigger savings
  • Ffrees Plus Current Account Holders can earn £560 each year when shopping with Ffrees Retailers
0.0 % AER (variable)
£2.50 per month
Ffrees: Ffrees Account Plus
Ffrees Diamond Account
  • 1st Monthly fee FREE
  • Save money when you spend at over 1000 retailers and financial service providers
  • Money Management tool – helping you budget and keep on top of bills
  • Free Hi-Life membership Card for 1 year Free ATM Withdrawls
  • Easy application and instant acceptance
0.0 % AER (variable)
£10 per month
Ffrees: Ffrees Diamond Account
Ffrees Premium Account
  • Ffrees Premium Current Account Holders can earn £625 each year when shopping with Ffrees Retailer
  • Monthly fee of £5 gives you 25% extra Ffrees Savings Points, the biggest savings available
  • Easy application, instant acceptance with no credit checks
0.0 % AER (variable)
£5 per month
Ffrees: Ffrees Premium Account

uSwitch is authorised and regulated by the Financial Conduct Authority (FSA FRN 312850) to provide this current accounts comparison service with information provided by Moneyfacts.co.uk who are authorised and regulated by the Financial Conduct Authority (FSA FRN 486048).