A Basic Bank Account allows you to receive money and pay bills. However, this kind of account does not allow you to go overdrawn by more than £10, if at all. A Basic Bank Account can be the first step towards opening a regular current account at a later date. Almost everyone should be able to open this kind of account. The bank or building society may want to check your credit history to see if any County Court Judgements (CCJs) have been brought against you or you have been made bankrupt. Even if you have, you may still be able to open an account.
In order to open a Basic Bank Account, you will need to prove your identity to the bank or building society. Documentation required will be a passport or photo-card driving licence or combination of certain official documents, such as an old-style UK driving licence plus a council tax bill. If you do not have any of these then there is other documentation that can be used, such as:
Money Helper provides guidance on basic bank accounts - www.moneyhelper.org.uk