Personal Current Accounts| Virtual Bank Account UK
  • Fed up of drawn out application processes, hidden charges and credit checks?

    Arro Personal Current Accounts – Apply Today, Instant Decision

The Arro personal card

  • No credit means
    no credit checks

  • Get an account number and sort code straight away

  • No paperwork, no appointments

  • Make payments with a contactless Mastercard®

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

  • Shop online and in store

Without a bank account I was paying more for everything.

I needed an alternative to a High-Street Bank account and Arro made everything really easy. Not only did I get instant access to my account once it was set up, but the costs were straightforward and there were no hidden fees, so I knew exactly what I was getting.

Amanda Freeman

Flexi from


per month

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

  • £1.00 per ATM withdrawal

  • £1.00 per Fast Payment

Standard from


per month

  • A low monthly fee and reduced usage costs!

  • £0.50 per ATM withdrawal

  • £0.50 per Fast Payment

Inclusive from


per month

  • Our all inclusive account gives heavy users, big savings!

  • £0.00 per ATM withdrawal

  • £0.00 per Fast Payment

Standard and inclusive packages coming soon!

*Fair usage policy applies. View our fees

Three simple solutions

We will shortly be launching 2 new solutions for you to choose from, this will give you the flexibility to choose an account that suits your needs. You’ll know exactly what they cost before you use them and, with your own dashboard to keep things really clear, you’ll know exactly where you stand every month.

Making life just that bit more straightforward.

More about fees

Straightforward stuff

Meet Arro Early Access

There are some things in life that we simply cannot wait for, like that relaxing getaway you’ve been planning for months, the next season of that TV show you love and, as you’ve all told us, a simple and straightforward current account.

That’s why we are bringing Arro Early Access to you, now.

Improving your credit score with the Arro Credit enabling bank account

If you have been turned down for credit before or been offered very high interest rates it’s most likely to be because your credit rating is low. The good news is that there are ways to help you give your credit rating a boost and we’ve found the most straightforward ones.

Top tips to get your new life in the UK off to a flying start

The list of things to do when moving to the UK is a long one. However, there are some key things that you won’t be able to sort out until you are in your new home. But, that are just as important and will help you get off to a flying start.

Frequently asked questions

Who can open a personal account?

Anyone can apply. Simply fill in your name, address and date of birth on one straightforward application form and you’ll get immediate access to an account number and sort code. In some cases one valid form of ID may be required.

Will you check my credit report if I want to open a personal account?

Absolutely not. At Arro, we like to make things as easy as possible for you, that’s why we won’t be doing any credit checks or ask for any other documents apart from proof of ID.

How long does it take to get a personal account?

Signing up online only takes a few minutes. Once you have completed your application form you will have access to your virtual card straight away.

Let's make life straightforward

Join us in our mission to make money straightforward, and we’ll let you know as soon as Arro accounts are ready for action.

Join us

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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