How do I get a debit card in the UK?
Getting a debit card in the UK is a simple process that usually involves opening a bank account. H
First, consider traditional high street banks like Barclays, HSBC, Lloyds, NatWest, or online-only banks like Monzo, Starling, or Revolut. Decide on the type of account you want (e.g., current account, basic account, student account) as this will determine the type of debit card you receive.
Compare fees, overdraft facilities, mobile banking features, and any additional benefits like cashback or rewards.
To open a bank account and get a debit card, you’ll typically need the following:
- Proof of Identity: Passport, driving licence, or national ID card.
- Proof of Address: Utility bill, council tax bill, or bank statement (usually dated within the last 3 months).
- Proof of Income/Employment: Some banks may require proof of income, such as recent payslips or a letter from your employer, though this is not always necessary for basic accounts.
You can open a bank account either online or in person at a branch.
Go to the website of the bank you’ve chosen. Provide personal details such as your name, address, date of birth, and employment information.
Submit digital copies of your identification and proof of address. Once your application is processed, you’ll receive an email or letter confirming your account has been opened.
Go to a local branch of your chosen bank. A bank representative will help you complete the application form. Bring your proof of identity and address to the branch. If everything is in order, your account will be opened immediately.
Once your account is open, your debit card will be sent to your registered address, usually within 7-10 business days. Upon receiving your debit card, you may need to activate it. This can usually be done by following instructions provided with the card, which might involve making a first transaction using your PIN or activating it through online banking.
Sign up for online banking through your bank’s website.Most banks offer mobile apps that allow you to manage your account, check balances, and make transactions on the go. Ensure your debit card is linked to your online and mobile banking accounts for easy management.
Use your debit card for purchases in shops and restaurants by inserting the card into a card reader and entering your PIN. Most debit cards in the UK offer contactless payment options for quick transactions by simply tapping your card on the reader.
Use your debit card details to make purchases online. You may be required to enter a one-time passcode sent to your mobile for security.Use your debit card to withdraw cash from ATMs. Be aware of any withdrawal fees, especially when using out-of-network ATMs.