開設英國銀行戶口 Open a UK Bank Account

英國有許多不同類型的銀行戶口。 我們將討論幾種常見的銀行戶口,和分享一些開設英國戶口的真實例子。


There are many different types of bank accounts in the UK. We will be discussing a few common types of bank accounts and sharing some real life examples of how to open a UK bank account.


更多詳細資料關於英國不同的銀行,請瀏覽我們的網頁 "英國銀行"。

Please visit our webpage "UK banks" for more details about different types of banks. 



開設銀行戶口所需的一般文件

General documents needed for opening a bank account


1) Proof of Identity 身份證明

  • Passport 護照

  • Driving Licence 駕駛執照

  • National ID card 身份證

2) Proof of address 住址證明

  • Utility Bill 水電媒單

  • Phone Bill 電話單

  • Council Tax Bill 差餉 (區/市政府稅單)

  • Rent Agreement 租約合同

  • Mortgage Statement 按揭單

  • Bank Statement 銀行月結單

3) Proof of income 入息證明

  • Bank Statement 銀行月結單

  • Pay slips 糧單

  • P60 (statement of issued to UK taxpayer at the end of the tax year 稅局會在財政年度未發給英國納稅人的文件)

  • Letter from a recognised employer 認可雇主的聘書

  • Tax returns (for self-employed) 納稅申報單(自僱人士)



Types of accounts 不同類型的戶口:


1) 基本戶口

Basic Current Accounts


大多數銀行會提供’基本戶口’,這些戶口專為部分在英國沒有銀行戶口,不符合標準傳統往來戶口或遇到財務困難的人而設計。


‘基本戶口’具有與傳統往來戶口相同的功能,但設施較少。

例如

  • 沒有透支

  • 沒有支票簿

  • 有 Contactless ( Santander)

  • 沒有儲蓄利息 等等

每間銀行都有不同的政策,因此請向每個銀行查詢。


包含什麼?

  • 擁有一張 Debit 銀行咭

  • 在ATM 提取現金

  • 網上電話和 Apps 理財


Most banks will offer basic accounts which are designed for those who doesn’t have a bank account in the UK, don’t qualify for a standard classic current account or experiencing financial difficulty.


A basic account has the same facilities as a classic current account but fewer amenities.

For example,

  • No overdraft

  • No cheque book

  • No contactless (Santander)

  • No saving interest etc.

Each bank have different policies so please check with each bank.


What is included?

  • Debit card

  • Withdraw cash from ATM

  • Online, telephone and app banking

Examples 列子:

Lloyds:

https://www.lloydsbank.com/current-accounts/all-accounts/basic-account.html


Barclays:

https://www.barclays.co.uk/current-accounts/basic-account/


Natwest:

https://personal.natwest.com/personal/current-accounts/foundation_account.html


Santander:

https://www.santander.co.uk/personal/current-accounts/basic-current-account


Bank of Scotland:

https://www.bankofscotland.co.uk/bankaccounts/compare-current-accounts/basic-account.html


Halifax:

https://www.halifax.co.uk/bankaccounts/current-accounts/basic-account.html


TSB:

https://www.tsb.co.uk/current-accounts/cash-account/


HSBC:

https://www.hsbc.co.uk/current-accounts/products/basic-bank-account/




2) 傳統往來戶口

Classic Current Account


這是英國最常見的戶口類型。

This is the most common type of account in the UK.


包含什麼?

What is included?

  • Have a debit card

  • Withdraw cash from ATM

  • Cheque book

  • Overdraft service

  • Saving interest

  • 擁有一張 Debit 銀行咭 (等於香港EPS)

  • 在ATM 提取現金

  • 支票簿

  • 透支服務

  • 儲蓄利息

Examples 列子:


Lloyds

https://www.lloydsbank.com/current-accounts.html?WT.ac=topnav

Club Lloyds

https://www.lloydsbank.com/current-accounts/all-accounts/club-lloyds.html

  • No fee (if pay in £1500 each month) or £3/month

  • A reward each year: cinema tickets, rental movie rental, gourmet society membership or annual magazine subscription

  • 冇手續費 (每月有£1500入戶口) 或每月£3

  • 每年可以選擇一個優惠: 電影飛、租借電影、食物/餐廳咭、一年雜誌免費訂閱


Barclays

https://www.barclays.co.uk/current-accounts/bank-account/


NatWest

https://personal.natwest.com/personal/current_accounts.html?intcam=PC_HP-HI-UKN2-DEF

HSBC

https://www.hsbc.co.uk/current-accounts/

Santander

https://www.santander.co.uk/personal/current-accounts

BEA

https://www.hkbea.co.uk/html/en/beauk-personal-banking-personal-current-account.html



3) 儲蓄戶口

Saving Account

  • Different banks have different interest rates

  • 不同的銀行有不同的儲蓄利息

Examples 列子:


Santander

https://www.santander.co.uk/personal/savings-and-investments/savings

NatWest

https://personal.natwest.com/personal/savings.html

Barclays https://www.barclays.co.uk/savings/instant-access/

HSBC

https://www.hsbc.co.uk/savings/

Lloyds

https://www.lloydsbank.com/savings.html




4) 兒童/青少年戶口

Children/ Youth Account

  • Age 7-17

  • Different banks will offer a child or youth account at different age

  • 七至十七歲

  • 不同的銀行會提供不同年齡的兒童或青少年戶口

Examples 列子:


HSBC

https://www.hsbc.co.uk/current-accounts/products/children/


Santander

https://www.santander.co.uk/personal/current-accounts/123-mini-current-account


NatWest

https://personal.natwest.com/personal/current-accounts/adapt_account.html


Barclays

https://www.barclays.co.uk/current-accounts/childrens-bank-account/

https://www.barclays.co.uk/current-accounts/young-persons-account/


Lloyds

https://www.lloydsbank.com/current-accounts/all-accounts/under-19s-account.html




5) 學生戶口

Student Account

  • For University students and apprentices

  • Have overdraft limits (0% interest)

  • Some banks offer a credit card

  • Some banks give some perks (e.g. railcard, Amazon voucher, coach card etc)

  • 給大學生和學徒課程學生

  • 有透支額度(0% 利息)

  • 有些銀行會出一張信用卡

  • 有些銀行會送一些優惠 (例如 火車咭、 Amazon 禮卷、 旅遊巴士咭 等等)

https://www.savethestudent.org/money/student-banking/student-bank-accounts.html