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Right to a basic bank account (Payment Accounts Regulations 2015) — Expat Guide United Kingdom (2026)

Quick Answer

What it is:: Right to a basic bank account — a financial procedure in United Kingdom.
Deadline:: 10 days
Steps:: 0 steps
Documents:: 0 required
Legal basis:: Payment Accounts Regulations 2015 (SI 2015/2038)

Important Deadlines

10d

Decision within 10 working days

180d

FOS complaint within 6 months of final response

Required Documents

Step-by-Step Guide

Legal Basis

Payment Accounts Regulations 2015 (SI 2015/2038)PAD 2014/92/EU as retained UK lawFCA Handbook BCOBS 8

Also Known As

This procedure is commonly searched under these names:

basic bank account UKPayment Accounts Regulations 2015right to a basic bank account UKFOS complaint bank accountFCA basic accountdesignated nine basic account providersno credit history bank UK

Official Resources

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More Guides for 🇬🇧 United Kingdom

→Financial Ombudsman Service (FOS) Complaint Referral →HMRC P87 — Tax Relief on Employment Expenses →Tenancy deposit dispute (DPS / TDS / MyDeposits)→Refund of NHS prescription / dental / optical charges →Energy Ombudsman (UK)→Communications Ombudsman (UK)