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Choosing how to apply
Many people apply online or in an app. Others prefer to visit a branch and talk to someone face to face. Some banks ask you to book an appointment first. If you are not sure, you can phone or visit and ask what the steps are. It is fine to say that English is not your first language. You can ask the person to speak more slowly or repeat something. Take your time and do not feel rushed.
Hello, I'd like to open a bank account. What do I need to do?
Do I need to book an appointment, or can I do it today?
English isn't my first language. Could you speak a little more slowly, please?
Asking about documents
Banks usually ask to see some documents. Often this is something that shows who you are and something that shows where you live. What they accept can be different for each bank and each person. The best idea is to ask before you go, so you bring the right things. If you do not have a document they mention, ask what else they might accept. Write down their answer so you remember.
Which documents do I need to bring?
I've just moved here. What can I use to show my address?
I don't have that document yet. Is there something else I could use?
Talking about account types
Banks often offer different kinds of accounts. Some are basic accounts for everyday use. Others have extra features. Staff may explain the options to you. Do not worry if you do not understand every word. Ask them to explain in simple English. You can also ask for information to take home and read later. You do not have to decide straight away.
Could you explain the difference between these accounts?
Which account is usually for everyday spending?
Can I take some information home to read first?
Answering questions about you
During the application, staff or the online form will ask you questions. These are often about your name, address, work or study, and contact details. Answer clearly and honestly. If you do not understand a question, say so. It is better to ask than to guess. If you are filling in a form online, you can stop and ask for help by phone or in a branch.
Sorry, could you repeat the question?
I'm not sure what this question means. Could you explain it?
I work part-time, and I'm also studying.
After you apply
After you apply, the bank may need some time to check your details. They might send you letters, emails or app messages. Your card and other information often arrive by post. If something does not arrive, or you are not sure what happens next, you can contact the bank and ask. Keep your details private and only share them with the bank through official ways.
What happens next, and how will you contact me?
I applied a while ago, but I haven't received my card yet.
Can you tell me how to set up the app?
Common questions
What if I don't understand what the bank staff say?
That's okay. You can say, "Sorry, could you say that again more slowly?" or "Could you write that down for me?" Most staff are happy to help. You can also bring a friend you trust to support you.
Can I ask questions before I decide?
Yes. You can ask as many questions as you need. You can also take information home and think about it. You do not have to open an account on the same day.
What if my application is not accepted?
You can politely ask if they can explain why, and if there is anything you can do. You might say, "Is there another option for me?" Every bank is different, so you could also ask other banks.