Straightforward Banking Solutions for International Students

If you’ve experienced how hard it is to get a debit card and bank account for international students – or you’d prefer not to experience that at all – the quick and easy Arro Personal Account is the alternative you’ve been looking for.

Guaranteed acceptance in three minutes for all eligible applicants, and all we ask for is your name, date of birth, UK address and contact details, plus our basic Fair Fit test just to make sure the Arro Personal Account is right for you.

If you are over 18 and live in the UK – even temporarily on an international student visa – you should be able to get a current account and debit card online in a matter of minutes.

So how does the Arro Personal Account make managing money easier for international students new to the UK? We based it on our own experiences of moving to the UK and the features we wish we could have had access to.

Guaranteed approval in minutes

First of all, it is fast to get a current account with Arro. The application form for the Arro Personal Account just asks for a few basic details and then, if you are eligible, we guarantee to accept your application.

In as little as three minutes you can have a UK sort code and account number, and start transferring funds into your account from elsewhere in the UK or overseas accounts.

We also instantly send you your virtual MasterCard® debit card details via SMS, so you can start buying things online from your Arro Personal Account even before the physical card arrives at your UK address.

Help when you need it

If you ever need to ask us anything, you can get in touch via the website and we will reply to you as soon as we can.

You don’t have to come to a bank branch – everything is done online – so there’s no waiting in line, and no need to book an appointment with a particular person like the banks will often ask you to do.

Again, we know what it feels like to be new to the UK and new to some of the UK’s financial services, so we are here to help you work out how to set up Direct Debits, send Faster Payments, and use your account in other ways.

Moving around the UK

You need a UK address to open an Arro Personal Account – which is why we make it so fast to get an online account when you’re new to the UK – but what if you move to a new address for the next academic year?

With the Arro online dashboard, you just log into your account online and tell us your new address. It might be just a few streets away, or elsewhere in the country if you take a study placement in a different city.

As long as you have a UK address, we can continue to provide you with an account, and remember you are not tied to a particular branch, so you get the same great online service wherever you live in the UK.

If you leave the UK to return home or to live elsewhere – maybe to continue your studies in a different country – it’s easy to transfer your balance out of your Arro Personal Account online to your account back home or in your new country.

An Arro cash card plus MasterCard® debit card

Your Arro cash card plus MasterCard® debit card is a powerful and flexible way to manage your money from your Arro Personal Account balance.

It works at cash machines around the UK for cash withdrawals – you can also use it at ATMs overseas, although there will usually be a withdrawal fee.

But it is also a MasterCard® debit card with support for chip and pin, and contactless payments, and all the details you need to use the card to shop online too.

Best of all, as soon as your Arro Personal Account and MasterCard® are approved we will text you the details by SMS, so you can start using it online even before the physical card arrives in the post.

And because it’s a debit card, and not a credit card, there’s no need for any kind of background credit check or any mark left on your credit file – just a card that can spend from your positive account balance anywhere MasterCard® Debit is accepted.

  • Standard



    From £5.00 per month

    A low monthly fee and reduced usage costs!

  • Inclusive



    From £10.00 per month

    Big savings and additional features for heavy users!