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Guaranteed Bank Accounts

Application Fees
Transaction Fees
Monthly Fees
ATM Charges
Topup Fees
Card One Banking
Application Fee: Free
Transaction Fee: foreign-atm-fee, foreign-transaction-fee, no-uk-pos, uk-atm-fee
Monthly Fee: £12.95
ATM Charges: £1.50 - £3.00
Top Up Fee: Free - £2.00
Cashplus Freedom Card
Application Fee: £4.95
Transaction Fee: no-uk-atm-fee, no-uk-pos
Monthly Fee: First 3 months free then £2
ATM Charges: First 3 months free then £2
Top Up Fee: Free - £3 for Epay
icount Pay Monthly Card
Application Fee: £4.95
Transaction Fee: no-uk-atm-fee, no-uk-pos
Monthly Fee: £9.95
ATM Charges: £0.50 UK - £1.50 abroad
Top Up Fee: Free (except cheque, which is minimum £4.50)
Think Money
Application Fee: £14.50
Transaction Fee:
Monthly Fee: £14.50
ATM Charges: Free
Top Up Fee: Free
Soldo Family Card
Application Fee: Free
Transaction Fee: foreign-atm-fee, foreign-transaction-fee, no-uk-pos, uk-atm-fee
Monthly Fee: £2.00
ATM Charges: £0.50
Top Up Fee: Free
Tuxedo prepaid Card
Application Fee: £9.95
Transaction Fee: foreign-atm-fee, foreign-transaction-fee, uk-atm-fee, usa-atm-fee, usa-transaction-fee
Monthly Fee: £4.99
ATM Charges: In the UK £0.50 - £2.25 Abroad
Top Up Fee: Free - 3%
Tuxedo PAYG Card
Application Fee: £9.95
Transaction Fee: foreign-atm-fee, foreign-transaction-fee, uk-atm-fee, uk-transaction-fee
Monthly Fee: Free
ATM Charges: 1.5% (min 99p / max £1.50) - £2.25 abroad
Top Up Fee: Free up to 3%
Cashplus Business Card
Application Fee: £29.99
Transaction Fee: foreign-atm-fee, no-uk-pos, uk-atm-fee
Monthly Fee: Free
ATM Charges: £0.99 UK - £3.00 abroad
Top Up Fee: Free - £2.00
icount Payg Card
Application Fee: £4.95
Transaction Fee: uk-atm-fee, uk-transaction-fee
Monthly Fee: Free
ATM Charges: £0.75 in UK - £1.50 Outside UK
Top Up Fee: Free
Cashplus Deluxe Card
Application Fee: £4.95
Transaction Fee: foreign-atm-fee, no-foreign-pos, no-uk-atm-fee, no-uk-pos
Monthly Fee: £9.95
ATM Charges: Free in the UK - £3.00 abroad
Top Up Fee: Free - £3.00
U Account Card
Application Fee: Free
Transaction Fee: foreign-atm-fee, no-uk-pos, uk-atm-fee
Monthly Fee: £5
ATM Charges: £0.50
Top Up Fee: Free
Secure Trust bank
Application Fee: £12.50
Transaction Fee: foreign-atm-fee, foreign-transaction-fee, uk-atm-fee, usa-atm-fee, usa-transaction-fee
Monthly Fee: £12.50
ATM Charges: £0.50 UK - £2.25 outside UK
Top Up Fee: Free

Guaranteed Basic Bank Accounts – Get To Know About The most Inclusive Banking Service

The objective of Guaranteed basic bank accounts is that there should be a class of banking services which is inclusive instead of exclusive. Ideally it should be a ‘free for all’ service. The need for this is felt more strongly than ever. Almost every person of our times has once undergone the excruciating ‘pay-your- credit-card-bills’ phase in our life.

Statistics from an organisation called Credit Action tell that one person is declared as bankrupt or insolvent every 4.35 minutes. And the total personal debt in the UK stood at a staggering £1,459 billion in July 2009. .No wonder, so many people today have an embarrassing past when it comes to credit history.

It has become a joke that qualifying for a High Street bank is these days more difficult than qualifying for Harvard. Well then this is exactly where the basic bank accounts come into picture.

You can open an account in a Guaranteed bank account for as little deposit as £ 1 and the bank will ask for nothing except your ID and address proof. No investigations. Yes indeed no other investigations by banks!

A news was recently afloat that according survey of an organisation – Citizen Advice- bankrupt people were being denied access to even basic bank accounts. But now thankfully with media and organisations working towards this cause, even bankrupt people would be entitled to open their accounts.

A directive by government in March also said that by 2015 there shall be guaranteed access to basic bank accounts to all.

But how should one determine that opening a basic bank account at which bank will be most beneficial?

It is important to know the risk of opening your basic bank account at a bank where you already have another account. If your other account gets into debt, then your bank can simply take the money from your basic account to pay off those debts. Hence always prefer to open your basic bank account in a totally new bank.

And again, before you decide, go through the below listed points and check:

  • How many cash machines are available for withdrawing money for free.
  • Is the facility to access your basic bank accounts from a Post Office available
  • Is the bank or its branch close to your residence or office?

So now finally you can stop fretting over not being able to open a Guaranteed bank account because of ghosts from the past. Just step out, go and get your basic bank account! It is indeed ‘free for all.’