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New to the UK? How Arro can help with personal banking

When you are new to the UK, one of the first things you need is access to your money, with fast, easy personal banking so you can pay rent, buy food, and live day to day.

You may have moved to the UK to study or to be with family and friends. Or you may have moved for work – as part of your job, or to look for work in the UK, or even to start and grow a business in the UK.

But without a UK bank account, it can be hard to find a job, rent a house, or even to get a UK mobile phone on a monthly contract.(online Shopping, send or receive money from back home)

The Arro Personal Account makes it easy to get a UK sort code and account number. We guarantee* to accept your application once your ID is verified, and we can check ID automatically in most cases from 160 countries.

Don’t waste hours standing in line at the International Banking desk in your local high street bank. With an Arro Personal Account you can have an account number and a virtual debit card in minutes.

  • Instant applications and automatic ID checks open your account faster.
  • No waiting for your payments card – we can send a working CVV number by SMS.
  • No credit involved – so you don’t need to have a credit record in the UK.

Why open an Arro Personal Account?

On your first days in the UK you will probably rely on cash to buy things like food, but it quickly gets very hard to live just using cash.

You will find it hard to set up a mobile phone contract and pay utility bills like electricity, gas and water using cash. You might even find you cannot rent a property if you want to pay in cash.

A lot of companies in the UK expect you to have a credit record or credit rating – a score of how well you use your money – and without this it can be hard to get approved for all kinds of things too.

We guarantee to accept your application for an Arro Personal Account, as long as we can confirm your identity.

This gives you a UK banking sort code and account number with no fuss and no waiting, which you can then take to companies to set up payments, make direct bank transfers, start a Direct Debit or pay by debit card.

  • No paperwork, no waiting in line. Get an Arro Personal Account when you need one.
  • Full UK banking. Get your own sort code, account number, debit card number and CVV code.
  • Guaranteed to be accepted. We can check ID from over 160 countries in minutes.

What is an Arro Personal Account?

An Arro Personal Account gives you a UK bank account, MasterCard debit card and the ability to make payments online and set up regular payments by standing order or Direct Debit.

Full UK bank account

An Arro Personal Account gives you a UK bank account, MasterCard debit card and the ability to make payments online and set up regular payments by standing order or Direct Debit.

MasterCard debit card

Your account also comes with a MasterCard debit card, accepted in the UK and around the world. You will receive your CVV 3-digit security code by SMS within minutes, so you can make card payments online even before you get your physical card.

No credit involved

Your Arro Personal Account holds your own money and your debit card can’t spend more than you have in your account. Because we don’t lend you any money, we don’t need to check your credit rating. This means you will still be accepted, even if you have had money problems in the past.

Is an Arro Personal Account right for me?

We made the Arro Personal Account after coming to the UK and trying to open a bank account, buy the things we needed to live, and set up important bills like paying rent.

It is very hard and very slow to open a personal account with a British high street bank. You have to prove who you are, wait for meetings and fill in lots of forms.

We wanted to do better. So we made the Arro Personal Account to cover everything you need to make payments and buy things in the UK, with none of the waiting and paperwork.

You need to know you will be accepted. So we use automatic systems in over 160 countries to check your ID and approve your account in minutes – if we can prove who you are, we guarantee you will get an account.

How to Apply

Go to our Personal Account Signup page to apply. We just need your name, date of birth and a UK address. We also ask for a UK mobile phone number if you have one, and an email address to send confirmation to.

You don’t need a referral from a UK bank and you don’t need a job in the UK. But we do need a physical UK address. That means you can’t apply until you get to the UK, but can sign up in less than five minutes when you do.

We have a very simple list of fees. On our Flexi account there is no monthly fee, just a £1 charge for fast payments and cash machine withdrawals, plus a few charges for rejected payments and lost debit cards – and that’s it.

    Sign up in minutes with your name, date of birth and UK postal address.

  • No delays – get an account in minutes when you arrive in the UK.
  • You don’t need a job or a referral from a British bank.
  • We may ask for a passport or driving licence in rare cases when we can’t verify your ID automatically.

Arro want to make your UK banking as fast and easy as possible, so we give you a full British bank account and debit card, with the minimum of background checks and banking fees.

Send us your details today to get your account number and virtual debit card details in minutes.

Sign up for a Personal Account
Personal fees

*Subject to Fair fit

  • Flexi


    From £0.00 per month

    Use your account as much or as little as you like!

    £1.00 per ATM withdrawal

    £1.00 per Fast Payment

    Max Balance £25K

    Annual Limit £120K

So you’re interested in an Arro account?

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