• Features & benefits

    • Super-quick online sign up

    • No credit checks

    • Instantly receive & make payments

    • Make payments with a contactless Mastercard®

    I'm interested in

    • Super-quick online sign up

    • No credit checks

    • No paperwork, no appointments

    • No credit means
      no credit checks

    • Get an account number and sort code straight away

    • No paperwork, no appointments

    • No paperwork, no appointments

    • No credit checks

    • Set up standing orders (coming soon) and pay salaries

    Business Card Original
    Personal Card Modified
    • Instantly receive & make payments

    • Make payments with contactless Mastercard®

    • Get an account number and sort code

    • Make payments with contactless Mastercard®

    • Set up standing orders and direct debits (coming soon)

    • Shop online and in store

    • Start using your account immediately

    • Make payments with contactless Mastercard®

    • Manage cashflow and expenses

    Select your perfect plan

    Standard

    From £5.00 per month*

    A low monthly fee and reduced usage costs!

    £0.50 per ATM withdrawal

    £0.50 per Fast Payment

    *View account features

    Inclusive

    From £10.00 per month*

    Big savings and additional features for heavy users!

    £0.00 per ATM withdrawal*

    £0.00 per Fast Payment*

    *View account features

    Flexi

    From £0.00 per month

    Features Cost Additional
    Account Opening Fee Free
    Monthly Management Fee £5
    ATM Withdrawal Fee £1
    Credits into your Account Free
    Faster Payments Out, Standing Orders & Direct Debit (coming soon) £1
    Replacement Card Fee £5
    Foreign Exchange Charges 2.99%
    International ATM Withdrawal Fee £5
    Card Inactivity Fee £5/ Month Additional: Applicable if account inactive for 90 days
    Chargeback Fee £10 Additional: Per rejection
    Cancellation or Redemption £10

    Standard

    From £5.00 per month

    Features Cost Additional
    Account Opening Fee Free
    Monthly Management Fee** £5
    ATM Withdrawal Fee 50p
    Credits into your Account Free
    Faster Payments Out, Standing Orders & Direct Debit (coming soon) 50p
    Replacement Card Fee £5
    Foreign Exchange Charges 2.99%
    International ATM Withdrawal Fee £5
    Card Inactivity Fee £5/ Month Additional: Applicable if account inactive for 90 days
    Chargeback Fee £10 Additional: Per rejection
    Cancellation or Redemption £10

    **The first monthly fee will be debited from your account upon the initial deposit of funds. Subsequent monthly fees will be debited every 30 days and taken on the same day of the month that you created your Arro account.

    Inclusive

    From £10.00 per month

    Features Cost Additional
    Account Opening Fee Free
    Monthly Management Fee** £10
    ATM Withdrawal Fee Free up to 10/ Month Additional: thereafter 50p
    Credits into your Account Free
    Faster Payments Out, Standing Orders & Direct Debit (coming soon) Free up to 10/ Month Additional: thereafter 50p
    Replacement Card Fee £5
    Foreign Exchange Charges 2.99%
    International ATM Withdrawal Fee £5
    Card Inactivity Fee £5/Month Additional: applicable if account inactive for 90 days
    Chargeback Fee £10 Additional: per rejection
    Cancellation or Redemption £10

    **The first monthly fee will be debited from your account upon the initial deposit of funds. Subsequent monthly fees will be debited every 30 days and taken on the same day of the month that you created your Arro account.

    Sign up for an Arro business account in under 5 minutes.

    Business Account

    A straightforward account for Limited Companies & Sole Traders

    Manage your cashflow and expenses

    Make payments with a contactless Mastercard®

    Sign up for an Arro business account in under 5 minutes.

    How will it work?

    Sign up

    Put the kettle on, your feet up and fill in a few details online. No credit checks in sight. By the time your cuppa's brewed, you'll be done.

    You're in

    You’ll have access immediately, with a virtual card. Your unique account number and sort code will be set up straight away, so you can be spending and saving online in minutes.

    Use your account

    We’ll pop your contactless Mastercard® in the post straight away, and your personalised Arro dashboard means you can stay in control of your money 24 hours a day, wherever you are.

    How will your Personal Account work?

    Sign up

    Put the kettle on, your feet up and fill in a few details online. No credit checks in sight. By the time your cuppa's brewed, you'll be done.

    You're in

    You’ll have access immediately, with a virtual card. Your unique account number and sort code will be set up straight away, so you can be spending and saving online in minutes.

    Use your account

    We’ll pop your contactless Mastercard® in the post straight away, and your personalised Arro dashboard means you can stay in control of your money 24 hours a day, wherever you are.

    How will your Business Account work?

    Sign up

    Put the kettle on, your feet up and fill in a few details online. No credit checks in sight. By the time your cuppa's brewed, you'll be done.

    You're in

    You’ll have access immediately, with a virtual card. Your unique account number and sort code will be set up straight away, so you can be spending and saving online in minutes.

    Use your account

    We’ll pop your contactless Mastercard® in the post straight away, and your personalised Arro dashboard means you can stay in control of your money 24 hours a day, wherever you are.

    Frequently asked questions

    What is Arro?

    Arro is the account that makes managing your money straightforward. We offer both, personal and business accounts, which you can get without a painful application processes, credit checks or long waiting times.

    What do you get with an Arro account?

    Each Arro current account comes with a sort code and account number that other account holders all over the world can use to transfer funds to you and to make payments into your account.

    You also get a MasterCard debit card, the details of which are sent to you by SMS immediately so that you do not have to wait for the physical card to begin buying things online, or anywhere you can enter the details.

    When the card arrives, you can use it for cash machine withdrawals or to pay in shops. There's also an online dashboard where you can move money, make payments and set up Direct Debits to pay bills and other regular commitments.

    Will I be given a sort code and an account number with my Arro account?

    Yes, all our Arro accounts come with a sort code and an account number. As soon as you have finished creating your account you will be able to access your own personal dashboard where you will find these details. This will allow you to receive salary payments, along with bank transfers.

    What is an Arro Mastercard®?

    The Arro Mastercard® is a debit pre-pay card. The Arro Mastercard® allows you to make purchases in shops and online, and as the added benefit of having your wages paid in to the account as you will also have an account number and sort code. As the Arro Mastercard doesn’t have an overdraft facility you are responsible for only spending the funds you have.

    See all FAQs

    Frequently asked questions - Personal Account

    What do you get with an Arro account?

    Each Arro current account comes with a sort code and account number that other account holders all over the world can use to transfer funds to you and to make payments into your account.

    You also get a MasterCard debit card, the details of which are sent to you by SMS immediately so that you do not have to wait for the physical card to begin buying things online, or anywhere you can enter the details.

    When the card arrives, you can use it for cash machine withdrawals or to pay in shops. There's also an online dashboard where you can move money, make payments and set up Direct Debits (coming soon) to pay bills and other regular commitments.

    How easy is it to get set-up with an Arro account?

    - Apply online now to open an Arro account within three minutes, with automated approval.
    - No credit checks needed so no delays or black marks on your credit file.
    - Get your sort code, account number and virtual MasterCard number immediately.
    - Start moving money into your account and making online purchases the same day.

    Arro current accounts are especially suited if you need to start managing money in the UK quickly - for example if you are new to the country, an international student, or anyone else who has a UK address for the first time.

    What if I have bad credit?

    Arro Personal Accounts are open to anyone over the age of 18 who lives in the UK, regardless of your credit status - we just need to verify your ID, but we don't use your credit file to do that.

    Because the MasterCard you receive is a debit card, and because there is no overdraft facility on the Arro Personal Account, there is no credit to approve, so no need to check your credit rating.

    This means that unlike many of the high street banks and even some online account providers, Arro can give instant approval to account holders who have had problems in the past, ranging from bankruptcy to criminal convictions.

    An Arro Personal Account can be a fresh start, or just a way to manage your money without the temptation of a credit card and overdraft - a straightforward way to budget your income and outgoings, or as a secondary account to keep some of your cash separate for any reason.

    What does it cost?

    Our fee structures are simple and published online so you can easily check if there's a cost for any transaction you want to make.

    Fees range from £5 for our Standard account, to our Inclusive account for £10 per month, which charges no fee on Fast Payments and cash machine withdrawals.

    Our Standard account is charged at £5 per month and just 50p for ATM withdrawals and Fast Payments - there are also admin charges if you try to make a payment with insufficient funds in your account and certain other similar incidents, which are all listed on the website.

    What do I need to apply?

    There's really no reason not to apply - you can get a decision in minutes, use your new account as little as you wish, and there's no mark on your credit record to show that you have applied for an account.

    Just visit our Signup page to enter your details and register for an account. We need your name and date of birth to check you are old enough to hold an account with Arro, as well as your UK address.

    Apart from that we just ask for contact details so that we can confirm your registration and send out your virtual debit card number before we ship your physical MasterCard in the post.

    It's a quick and simple registration form, and if you have all the necessary information close to hand, you could be an Arro Personal or Business Account holder within as little as three minutes!

    See all FAQs

    Frequently asked questions - Business Account

    What do you get with an Arro account?

    Each Arro current account comes with a sort code and account number that other account holders all over the world can use to transfer funds to you and to make payments into your account.

    You also get a MasterCard business card, the details of which are sent to you by SMS immediately so that you do not have to wait for the physical card to begin buying things online, or anywhere you can enter the details.

    When the card arrives, you can use it for cash machine withdrawals or to pay in shops. There's also an online dashboard where you can move money, make payments and set up Direct Debits (coming soon) to pay bills and other regular commitments.

    Who can open a business account?

    Anybody can apply. We just ask for you to provide some basic information about your company, such as your company name and address. No credit checks, no proof of address, no waiting around.

    What do I need to open a business account?

    Opening an Arro business account is quick and hassle-free. All you need to do is to complete our application form and provide us with a few basic details about your company, such as your company name and address. Your account will be up and running immediately.

    Can I get an account if I am a start-up company?

    Whether you’re a start-up company, contractor, self-employed or a small business owner you can open an Arro business account. We do not require audited accounts or a minimum number of employees. Simply fill out one application form and you will have instant access to your account.

    Do I need any trading history?

    No. You do not need to have any trading history to open an Arro business account. Whether you are a start-up company, contractor, self-employed or a small business owner you can open an Arro business account by completing our straightforward application form and filling in a few simple details. It’s that simple.

    Does applying for an account leave a print on my credit file?

    As Arro doesn’t do credit, there is no need to for us to run any credit checks. Unlike traditional high street banks, opening an Arro account is quick, easy and available to everyone.

    See all FAQs

    Arro Personal and Business Accounts

    Arro Personal and Business Current Accounts are a straightforward way to manage your own money, authorised by the Financial Conduct Authority.

    To apply for an account, you just need to be over the age of 18, live at a UK address and have a registered business in the UK (if applicable). Accounts can be opened by visitors to the UK, including exchange students and new arrivals, as long as you can provide a UK address.

    We use online databases to verify your ID from 160 countries worldwide, and can also accept documents like your passport or driving licence, allowing us to offer the highest possible approval rate and to approve new accounts as quickly as we can.

    Personal accounts > Business accounts >

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    So you’re interested in an Arro account?

    Pop your details in the boxes below and you’ll be the first to get an invite as soon as Arro accounts are ready.

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