Relocating to the UK as an International Medical Graduate (IMG) involves more than just getting GMC registration and landing your first NHS job. One of the essential early steps is setting up a UK bank account. But here’s the catch – many banks in the UK require proof of address, UK credit history, or both. This can be a major hurdle for newly arrived IMGs who haven’t had the chance to build up their financial footprint yet.
If you’ve just landed and are wondering how to open a UK bank account without credit history, this blog post is your practical guide. We’ll cover IMG-specific solutions, the best banks and digital alternatives, and common mistakes to avoid.
Why IMGs Need a UK Bank Account Immediately
As an IMG doctor starting your first NHS job, you’ll need a UK bank account for:
Receiving your NHS salary
Paying rent or utilities
Applying for mobile contracts and travel cards
Avoiding international transaction fees
Waiting too long to set one up can delay your salary and complicate day-to-day living. The problem is that most traditional banks won’t open an account for you without a UK credit footprint, such as utility bills, rental agreements, or previous accounts. That’s where this guide comes in.
Top 3 Options for IMGs Without UK Credit History
1. Monzo – The IMG Favourite for Fast, Simple Setup
Monzo is one of the most popular digital banks in the UK, especially for newcomers and NHS workers. It doesn't require UK credit history or even a formal proof of address in many cases. As long as you have:
A valid passport/biometric residence permit (BRP)
A UK address (can be a friend’s or hospital-provided temp accommodation)
Internet access for the mobile app
…you can open an account within minutes. Monzo also allows you to set budgets, get instant spending alerts, and open a joint account once you’re settled.
2. Starling Bank – Best for Travel and IMG Doctors
Starling is another digital-only bank that makes it incredibly easy to open an account. What sets Starling apart for IMGs?
No monthly fees
Free card payments and ATM withdrawals abroad (great if you’re sending money home)
Easy app interface for managing spending
You’ll need a UK address and BRP, but you don’t need credit history. Starling also offers 24/7 customer service and has won multiple awards for best online bank.
3. HSBC Basic Bank Account – Traditional Bank, Modern Approach
If you’d rather stick to a brick-and-mortar bank, HSBC’s Basic Bank Account is a solid bet. They specifically offer a solution for new arrivals without credit history.
You’ll typically need:
Proof of NHS employment (your contract or offer letter)
Passport and visa or BRP
NHS letter or hospital-provided address proof
The setup may take a bit longer than digital banks, but HSBC is trusted across the UK and internationally.
Tips to Open a UK Bank Account as an IMG
Even if you have no credit history, you can speed up the process using these strategies:
Use your NHS job offer or contract as address proof – Many banks accept this.
Ask your hospital accommodation team for a letter confirming your temporary address.
Apply for digital banks (Monzo, Starling) while waiting for more formal documentation.
Join IMG forums to find out which banks are most lenient in your area.
Avoid using international banks like Barclays too early—they often require stricter documentation.
Common Mistakes IMGs Make (and How to Avoid Them)
Waiting until payday to open an account: Start the process the moment you arrive.
Relying solely on cash or international cards: These rack up fees quickly.
Assuming NHS employment means fast-tracking: You still need to do the paperwork, even if you’re a doctor.
Overlooking app-only banks: They are often more accessible for IMGs than traditional banks.
Start Smart, Stay Stress-Free
Opening a UK bank account without credit history might seem daunting, but it’s totally doable with the right approach. Digital banks like Monzo and Starling are IMG-friendly, efficient, and widely accepted by NHS employers and landlords.
By taking initiative early, you’ll set yourself up for a smoother transition into NHS life—no paycheck delays, no housing hiccups, no unnecessary stress.
Need More Practical Tips for IMG Life in the UK?
Join the TrewLink Community Forum, where thousands of IMG doctors share advice, insider tips, and walk each other through real-life challenges, like this one. Whether you're applying for PLAB 2 or trying to open a bank account from hospital accommodation, someone in the community has done it before and can help you out.
Your new life in the UK starts here.