For people with bad credit history, many banks may reject your application for their standard status bank account based on your credit rating. 

 

With the type of bank card and cheque guarantee card with the standard bank account, the bank has to trust you quite a lot.  

 

However with a basic bank account the bank exposure to losses is much reduced.  

 

Even if you have a bad credit history you can apply for a basic bank account with no credit check. 

 

Most basic bank accounts just stipulate you are not currently bankrupt and you have no record of fraud.  

 

Sometimes its possible to apply for basic bank account online. 

 

Even with these basic accounts, you get a cash card and many of them accept direct debits. 

 There are also some banks that allow you to setup a business even with bad credit.

 

Business bank account bad credit are types of account were you are unlikely to get a big overdraft, but you can still trade.

As many post offices are shutting, governments are forcing people who receive pensions and state benefits to have their money paid into a bank account, such as the one available at the post office.

There is one high street bank that allows a bank account to un discharged bankrupts too, so even if you have just gone bankrupt you can still get a bank account from them.