UK Account for Online Banking. Instant Approval

Arro is the alternative to a traditional bank UK new arrivals have been waiting for – an online account with guaranteed approval in minutes for anyone who meets our Fair Fit rules.

You must be over 18 and you must currently live at a UK address, but you don’t need to be a permanent UK resident and it doesn’t matter how recently you arrived in the UK.

If you are not sure how to open a bank account in UK high street branches, the Arro Personal Account is the alternative for you, with instant approval and a quick online form that takes just three minutes to fill in.

Arro is not a bank, but your Personal Account still has a sort code and account number for money transfers, and comes with a MasterCard® debit card that is accepted more widely than many prepaid currency cards.

Why not use a UK bank account?

The Arro Personal Account offers many of the same features as online banking, with the ability to check your balance, make Faster Payments and Direct Debits (not currently available, but it’s coming soon!), receive money using your sort code and account number, and use your MasterCard® in all the usual ways too.

It is fully regulated by the Financial Conduct Authority – the only difference is that we are regulated to provide electronic money services, and are not technically a bank like the branches you see on UK high streets.

We make the most of this difference, and when you apply for an Arro Personal Account you benefit too:

  • No waiting times in-branch and no need to meet an advisor in person.
  • Guaranteed acceptance (subject to Fair Fit test) for over-18s with a UK address.
  • Instant access to your new Personal Account online.
  • Instant virtual MasterCard® debit card details sent to you via SMS.
  • No credit checks, ever – and no overdraft or credit card to lure you into debt.

Banking on a budget

If you are new to the UK banking can be expensive; the high street branches may charge fees for opening an account, a monthly management fee, transaction fees for transfers into your account and so on.

Arro is not a bank and while there are certain transaction fees on the Arro Personal Account, we always aim to make sure you know about these in advance, and you can always check them online to be sure.

We don’t charge you for opening an account, or for money paid into your account, making the Arro Personal Account a cost-efficient way to pay bills and other regular charges while you are in the UK.

Fees are a little higher if you withdraw from an ATM outside of the UK or make a purchase in a foreign currency, but as long as you are in the UK this usually should not be a problem.

Who is it for?

The Arro Personal Account was inspired by our own experiences of trying to work out how to open a bank account in UK branches – and how long and difficult that process proved to be.

We know that when you arrive in the UK for the first time, you need immediate access to your money, and it is better to have that money online than to carry large amounts of cash in your luggage or on your person.

For these reasons, the Arro Personal Account is open to applications from anyone who can provide us with a current UK address, aged over 18, and subject to our simple Fair Fit test.

In principle, we guarantee to accept all eligible applications, with no credit check. You don’t have to be new to the UK – we also provide accounts to British students, self-employed individuals, people with a bad credit score, and households just looking for a different way to manage their money.

Is it for me?

If you’re not sure if the Arro Personal Account is for you, the answer is yes – it’s for everybody. Arro are here to support people who might find it hard to open a bank account on arrival in the UK.

We want to provide that support to as many people as possible who choose to live their life – or even just spend a small amount of time – in the UK.

The Arro Personal Account is available to you whether you come to the UK to study, access health services, start a family or set up a business, or for any other reason that means you’ll be living at a UK address for some time.

  • 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

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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