U Account

  • Open an account in minutes, with no credit check
  • Pricing for you - There is no charge for setting up the account, or for your contactless Mastercard, or direct debits or your money manager. However, if you would like a little extra, such as extra accounts, reduced fee or free ATM withdrawals and payments out, then pay either £5 or £10 - the choice is yours
  • Earn cashback every time you spend with your card at any one of U's retail partners
  • Instant Approval if you are over 18 and a UK resident
  • Must be a UK resident, aged 18 years or over
  • Set Up Fee
    Reload Fee
    ATM Fees
    UK: £1.00
    Abroad: £1 + 3%
    Transaction Fees
    UK: £0
    Abroad: 3%
    Credit Check

U Account Prepaid Monthly card summary

U Account is a new and innovative way of banking, focussing on you, the customer.  You choose what banking you want or need and you decide how much you want to pay for it.

Key features of this card

  • Quick and easy online form - Set up an account in minutes
  • No credit checks
  • No hidden fees - No charge for setting up an account, or for your contactless Mastercard, or for direct debits, or for your Money Manager.  You choose what else you want to pay for (£5 or £10 per monht, such as extra accounts, reduced fee or free ATM withdrawals, and payments out.  You can change what you pay for each month
  • Easy budgeting - set up extra accounts (with their own sort codes and account numbers) to help you save for bills, birthdays, Xmas, or just a rainy day
  • Money Manager - Now you can seee exactly where your money is going, with an interactive graph and a list of categories.  Together with monthly statements, you will gain a better understanding of your financial habits and your budgets
  • Spending Rewards - Earn cashback on groceries, home improvements, eating out and much more when you spend using your U Mastercard with any of U's retail partners - Cashback is earned as points which are paid automatically into an Extra Account for you to spend as you wish
  • £1 monthly dormancy fee after 60 days of inactivity

Acceptance criteria in addition to credit check

  • Aged 18 years or over
  • UK resident