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.

Most popular 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%
0.0% AER (variable)
£14.50 per month

Bank Account

  • Standing Order & Bill Payment facility
  • No credit checks
  • Credit building facility through Creditbuilder
0%
0.0% AER (variable)
£9.95 per month or 2.5% Pay As You Go

Current Account

  • No credit checks - guaranteed acceptance
  • Access your account 24/7
  • Pay in at Post Office & PayPoint
0%
0.0% AER (variable)
£12.50 per month

Card One Banking Prepaid Bank Account

  • No credit checks - guaranteed acceptance
  • No bounced payment charges
  • Free text alerts
0%
0.0% AER (variable)
£12.50 per month

Prepaid Bank Account

  • Cash rewards at leading retailers
  • No credit checks
  • No charges for bounced direct debits
0%
0.0% AER (variable)
£12.50 per month

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%
0.0% AER (variable)
No

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%
0.0% AER (variable)
£2.50 per month

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%
0.0% AER (variable)
£10 per month

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%
0.0% AER (variable)
£5 per month

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

uSwitch services are provided at no cost to you, but we may receive compensation from some of the providers.