- Nov 12, 2020
- 9 min read

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
沒有 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