How to Open a UK Bank Account from Nigeria

Having a UK bank account ready before or shortly after arrival makes life much easier. You'll need it to receive your salary, pay rent, and manage daily expenses. This guide explains your options for opening a UK bank account, including accounts you can set up from Nigeria before you even land.

Your Banking Options

Digital Banks (Easiest to Open)

Digital-only banks are the most accessible for new arrivals:

Monzo

• Can be opened with just a passport
• No UK address initially required
• Free basic account
• Instant notifications
• Easy international transfers
• Very popular among Nigerians in UK

Starling Bank

• No monthly fees
• Accepts various ID documents
• Excellent app
• Joint accounts available
• Good for small business banking too

Revolut

• Multi-currency accounts
• Good for international transfers
• Can open before arriving
• Premium plans with extra features

Traditional Banks

High street banks require more documentation but offer full services:

Barclays

• Migrant Banking program for new arrivals
• Accepts BRP as proof of address
• Branch access across UK

HSBC

• International student accounts
• Global presence
• Can sometimes open before arriving

Lloyds, NatWest, Santander

• Standard high street banks
• May require proof of address
• Branch access useful for some services

Documents Typically Required

• Proof of identity: Valid passport, BRP
• Proof of address: Utility bill, bank statement, council tax bill, tenancy agreement
• Visa/immigration status: BRP or visa vignette

For new arrivals without UK address:

• Digital banks often accept employer letter
• Some accept hotel booking confirmation initially
• Update address once you have accommodation

Opening Before Arrival

Some accounts can be started from Nigeria:

1. Download the app: Monzo, Starling, or Revolut
2. Start application: Enter your details and passport info
3. Verify identity: Take passport photos, selfie video
4. Get virtual card: Use for online purchases immediately
5. Receive physical card: Have it sent to UK address when you arrive

Best Strategy for Nigerians

1. Before arrival: Open Monzo or Starling account
2. Get virtual card: Start using app immediately
3. After arrival: Request physical card to your UK address
4. Get BRP: Collect your Biometric Residence Permit
5. Consider traditional bank: Open if you need branch services or mortgage later

Sending Money to Your UK Account

Once you have a UK account, transfer money using:

• Wise (TransferWise): Best rates, fast, transparent
• Remitly: Good for smaller amounts
• WorldRemit: Popular with Nigerians
• Bank transfer: Often higher fees

Common Issues and Solutions

No Proof of Address

Use:

• Digital bank that accepts passport only initially
• Employer letter confirming your employment and address
• HMRC letter if you've registered for National Insurance

Account Refused

• Try a different bank—policies vary
• Ensure your visa allows you to work
• Wait until you have BRP and UK address

Building Credit History

Having a UK bank account is the first step to building credit:

• Register on electoral roll (if eligible)
• Keep your address updated
• Set up direct debits that you pay on time
• Consider credit builder products after a few months

Conclusion

Opening a UK bank account is straightforward with digital banks. Start with Monzo or Starling before you arrive, and you'll hit the ground running. Once settled, you can explore traditional banks if you need additional services.

Don't stress about this—it's one of the easier parts of relocating!