Open to new customers
Banking that keeps its word.
A current account, a card you control, and transfers that arrive when we said they would.
A card you control, and transfers that arrive when we said they would.
Protected
FSCS
Switch in 7 days
GUARANTEE
Switch
GUARANTEE
Rated 4.8 / 5
12,400 REVIEWS
Everyday Current
$6,012.40
Send
Add money
Uber
−$12.40
Salary
+$3,200.00
Pret
−$4.15
Online Banking Ltd is authorised and regulated by the authority named in our terms. Eligible deposits are protected. Your money is held separately from the money that runs the business.
As covered in
FINANCIAL POST
THE LEDGER
MONEYWEEK
TECHWIRE
CITY A.M.
THE EXCHANGE
FINTECH TODAY
Everything the money does.
Four things a current account is for, and what this one does about each.
No monthly fee
On the everyday account, with no minimum balance.
4% AER on savings
Paid monthly, with no notice period to withdraw.
Open in five minutes
Photo ID and an address is all it takes.
01
A card you actually control
Freeze it, thaw it, set what it may spend — from the app, taking effect the moment you press it. No call, no queue, and a virtual one in seconds if you would rather not carry plastic.
02
Transfers that land
Pick a payee, pick a rail. The amount is held out of your balance the moment you send, so it cannot be spent twice while it travels — and it comes straight back, in full, if the transfer is not approved.
03
Every movement, explained
Not a code and a number. What it was, where it went, and the balance it left behind — on a receipt with a reference you can quote, send to an accountant, or print.
04
Money set aside, earning
Savings that pay 4% AER with no notice period, and a standing order that moves the same amount across on the day you choose.
01
A card you control
Freeze it and set what it may spend, from the app.
02
Transfers that land
Held the moment you send, so it cannot go twice.
03
Every movement explained
What it was, and the balance it left behind.
04
Money set aside
4% AER, and no notice to take it back.
The card
Spend anywhere. Stop it from here.
Contactless, online, abroad — with the exchange rate we get, not a marked-up one. Freeze it the second you cannot find it, and unfreeze it when it turns up in a coat pocket.
Free
to issue a virtual card
virtual card
0%
added to the exchange rate
on the rate
1 sec
to freeze it
to freeze
Online Banking
Debit
•••• •••• •••• 4197
Card holder
SAM CARTER
Transfers
Money that arrives when we said.
Every rail we send on, and what it costs, before you press send. The amount is held out of your balance the moment you send and comes straight back if the transfer is not approved.
Rail
Arrives
Fee
Crypto transfer
When the network confirms
Free
Wire transfer
One to three working days
Free
Local bank transfer
The same day
Free
Bank transfer
Next working day
Free
Within the bank
Instantly
Free
Sending abroad is priced per rail and shown on the transfer before you confirm it. A fee we do not charge is not written as $0 — it is written as Free.
Open in five minutes.
1
Tell us who you are
Name, address, date of birth. The form is four fields long and it remembers where you got to.
2
Show us one document
A passport or a driving licence, photographed with the phone you are already holding.
3
Start moving money
Most accounts open the same day. Your card number works online before the plastic arrives.
There is an account with your name on it.
No monthly fee on any of them.
Borrowing
Borrow a little, clearly.
The rate is the rate — no arrangement fee, no penalty for paying it off early. The repayment leaves your account on the day you choose, and the loan page shows what is left after each one.
Personal loan
8.5%
a year
$500 – $50,000
3 – 60 months
Mortgage
4.5%
a year
$20,000 – $1,000,000
60 – 360 months
Auto loan
6.2%
a year
$2,000 – $150,000
12 – 84 months
Business loan
7.5%
a year
$5,000 – $500,000
6 – 120 months
Education loan
5%
a year
$1,000 – $100,000
12 – 120 months
“I switched on a Tuesday and my salary landed in the new account on the Friday. The bit I did not expect was being able to see exactly where a payment was, instead of ringing up to ask.”
“I switched on a Tuesday and my salary landed on the Friday.”
RD
Rosa Delgado
Switched from a high-street bank, March 2026
Switched March 2026
4.8
out of 5, from 12,400 reviews
from 12,400 reviews
7 days
to switch, guaranteed
to switch
340k
accounts held today
accounts
24/7
a person on chat
Security
Your money, protected. Your account, yours.
The four things that stand between your balance and anyone who is not you.
How we keep it safe →✓
Deposits protected
Eligible deposits are covered by the scheme named in our terms, and customer money is held separately from the money that runs the business.
✓
Two-step sign-in
A code from your phone on every new device. Turn it on once; we ask for it whenever a sign-in looks unfamiliar.
✓
Freeze the card yourself
One switch in the app stops it everywhere in a second. Unfreeze it the same way when it turns up.
✓
Every sign-in, listed
See each device signed in to your account, when, and from where — and sign any of them out from here.
Business
For the company too.
Pay everyone on one day from one list, give the people who need it their own sign-in, and hand the accountant an export instead of a shoebox. Free to open, no monthly fee.
1 day
to pay the whole team
Free
to open, no monthly fee
CSV
for the accountant
Payroll · September
Northwind Ltd
Ready to run
AO
Ada Okafor
Salary
3,200.00
TB
Tunde Bello
Salary
2,750.00
GM
Grace Mensah
Contractor
1,400.00
3 people · leaves the account on the 28th
7,350.00
Before you ask.
Is my money protected?
Eligible deposits are covered by the scheme named in our terms, and customer money is held separately from the money that runs the business.
＋
Do I have to close my old account?
No. The switch service moves your payments across and forwards anything that still arrives at the old one for three years.
＋
What does it cost?
Nothing monthly. International transfers are priced per rail and shown before you send; everything else on the services page says Free because it is.
＋
How long does opening take?
About five minutes to apply and usually the same day to open. You can use the card number online before the plastic arrives.
＋
Five minutes, and it is open.
No credit check to open. No minimum balance. No monthly fee.
No credit check. No minimum balance.
Protected
FSCS
Switch in 7 days
GUARANTEE