Fee free bank accounts

Banks and Building societies in the UK offer basic bank accounts which will not charge a fee for missed payments.

These accounts are available to anyone who does not already have a bank account or is ineligible for a standard current account or can’t use their existing account because of financial problems.


Bank/Building Society Account Name
Barclays Barclays Basic Current Account
Santander Basic Current Account
NatWest Foundation Account
Ulster Bank Foundation Account
RBS (England and Wales) Foundation Account
HSBC Basic Bank Account
Nationwide FlexBasic
Co-operative Bank Cashminder
Lloyds/ Halifax/ Bank of Scotland Basic Account
TSB Cash Account
Yorkshire and Clydesdale Banks Ready Cash Account

Contact your local bank in order to make a application for a basic bank account


Budget Spreadsheet

This budget spreadsheet template is the perfect tool if you want to start a budget to keep track of your money.

Download template here.


Creditor Letter Template

Use our sample letter to write to your creditors and review token payments if your financial circumstances have changed and you are unable to make your regular contractual payments.

Download template here.

StepChange – free debt advice and debt management help

The Money Advice Service – free and impartial money advice, set up by government

National Debt Line – free debt advice and support, with resources for budgeting and creditor letter templates