Are you planning to move to the UK for work, study, or family this year, and wondering whether you can sort your bank account before you land?
Good news — this page is your one-stop guide to opening a UK bank account as a newcomer, with the real banks and money apps you can check today, what each one actually asks for, and the safety steps to take before you share a single document.
Whether you’re coming through a UK jobs visa sponsorship route, a Skilled Worker visa, a student visa, or a family visa, your bank account is one of the first practical tests of your new life.
Let’s be honest about the title right away. Most UK high-street banks want you to be living in the UK, with a UK address, before they open a current account. HSBC says on its own pages that you can open an account before you arrive. Barclays lets you start an online application if you are moving to the UK within 90 days. For nearly everyone else, the real answer is “prepare everything before you fly, then finish the account in your first days in the UK.”
All figures in this guide were checked in October 2026 on each bank’s own pages and on official sources. Where a bank page does not say something, this guide says “not published” instead of guessing. Pound figures are shown with an approximate US dollar value at £1 = $1.3335 (reference rate dated 16 October 2026 from the Frankfurter exchange-rate service, which publishes European Central Bank data). Real rates change daily.
This is general information, not financial, banking or legal advice. Bank rules change, so confirm every requirement with the bank before you apply.
1. Why You Need a UK Bank Account First
Your employer needs somewhere to pay your salary. Your landlord wants to be paid by bank transfer or standing order. Your phone contract, council tax and energy bills usually run on Direct Debit.
Without a UK account, each of those becomes harder.
A UK account gives you a sort code and an eight-digit account number. Those two details are how almost everyone in the UK pays and gets paid.
It also gives you a UK debit card, so you stop paying foreign card fees on every purchase.
And it starts your local financial footprint. In the UK, banks and lenders look at your history with the credit reference agencies, and a newcomer starts with a blank page.
It’s the smartest move for:
✅ Skilled workers whose first salary has to land in a UK account
✅ Students who need to pay rent and receive funds in pounds
✅ Family members who need their own account, not just access to someone else’s
✅ Anyone who wants to start building a UK payment record from the first month
2. What to Expect When You Arrive
You land with a passport, your visa documents and a phone. You do not yet have a UK address document, a UK payslip or a UK credit file.
That is the normal starting point for every newcomer, and banks know it.
Here is the simple pattern. Banks check who you are with your passport and proof of your right to be in the UK. They check where you live with a document that shows your UK address.
Since the UK moved to digital immigration status, many newcomers prove their status with an eVisa. GOV.UK says your eVisa shows your identity and immigration status, including your rights in the UK, and that you can give a share code to people such as employers and landlords.
A share code lasts 90 days, can be used as many times as you need before it expires, and you can generate a new one whenever you need it. You get it through the GOV.UK “View your eVisa” service, using the same details you use to sign in to your UKVI account.
Banks handle this differently, so read each bank’s own rules. NatWest, for example, says you can apply online with a valid passport supported by a valid eVisa share code, plus one proof of address document. Starling lists a non-UK passport with its share code as accepted ID.
Then comes the address problem.
Barclays says plainly that you must have a UK address. Monzo says that if you don’t have a UK address it can’t offer you an account. NatWest says that if you aren’t a UK resident you won’t be able to open an account.
So expect your first week to include a tenancy agreement or a letter that proves where you live, and then the bank application.
3. Typical Costs for New Immigrants
Opening a UK current account is usually free. The costs sit around the edges, and they are worth knowing before you choose.
Here are the real numbers, checked in October 2026:
- HSBC says it does not charge a monthly fee just for keeping your account. Lloyds says its Classic Account has no monthly account fee.
- HSBC lists a 2.75% fee for card use outside the UK on both its HSBC Bank Account and HSBC Premier. HSBC also lists a 2% cash withdrawal fee, with a minimum of £1.75 (about $2.33) and a maximum of £5 (about $6.67), on the HSBC Bank Account.
- Revolut’s UK plans cost £0 for Standard, £3.99 (about $5.32) a month for Plus, £8.99 (about $12) for Premium, £16.99 (about $23) for Metal and £60 (about $80) for Ultra.
- Wise says its account is free to open and has no subscription. You pay for the services you use.
Those are the account-level costs. Your bigger costs are usually the ones the account cannot fix, such as the first month’s rent and any deposit.
So choose an account that is free to keep, check the fee for card use abroad if you will travel, and avoid paying a monthly plan fee until you know you need the extras.
4. Real Example: A Software Developer from Lagos’s First Month in Manchester
This is an illustrative case, not a real person.
A developer from Lagos has a Skilled Worker visa and a job at a UK company that holds a sponsor licence. Her employer needs her bank details for payroll, and her first salary is about five weeks away.
Before she flies, she creates her UKVI account, checks that her eVisa details match her passport, and saves a copy of her tenancy offer. She also asks her employer for a letter on company paper confirming her job and start date.
In her first week she moves into a rented flat. She now has a tenancy agreement with her name and UK address on it.
She starts an application with a high-street bank that accepts a passport plus a share code, and books a branch appointment to confirm her identity. She brings her passport, her tenancy agreement and her employer’s letter.
Barclays, for one, says it accepts a letter from a UK Visas and Immigration licensed sponsor employer, dated within the last three months, as proof of address. Other banks have their own lists, so she checks first.
Her account opens in her first weeks, and her salary lands in it on pay day. She keeps her share code details safe and never sends them to anyone who contacts her out of the blue.
5. Why Starting Early Gives You the Advantage
Smart immigrants apply early, and by “early” we mean prepare early.
You cannot always open the account before you fly. But you can do almost everything else.
Create your UKVI account. Check that the details on your eVisa match your passport. Save your tenancy offer, your employer’s letter or your university’s letter in a folder on your phone.
Think of this as packing your paperwork the way you pack your suitcase.
When the time comes, the application takes minutes instead of days. That matters because your first salary, your rent and your phone contract all depend on the account being ready.
Barclays, for example, says you have 90 days to finish its application in a UK branch, and your application is saved in the meantime. That is a real head start for people who are moving soon.
Verified Banks You Can Apply for in the UK Today
Let’s be honest — not every bank is built for a person who has not arrived yet.
Some banks say you can start from abroad. Some need you in the UK with a UK address. Some are apps that are easy to open but are not banks at all.
Here are seven options, with what each one’s own pages actually say.
1. HSBC UK – The Clearest “Before You Arrive” Option
HSBC’s international pages say that whether you are new to the UK or have not arrived yet, you can open an HSBC Premier Bank Account or an HSBC Bank Account. It adds that eligibility criteria apply.
Why immigrants love it: it is the one major bank whose own page speaks directly to people who have not arrived yet.
On its apply page, HSBC says you must be 18 or over and able to provide ID and proof of address, and that you can open an account from many locations abroad. A sole account is applied for in the HSBC UK app. A joint account is applied for online. You can also visit a UK branch for help.
The documents it lists are your current employment, income and tax details, proof of ID such as a passport or driving licence, and proof of address such as a utility bill or bank statement.
HSBC does not say how long approval takes or when the account becomes usable. It also warns that some account features may be unavailable if you remain resident outside the UK.
The HSBC Premier Account needs one of the following: income of £100,000 (about $133,350) or more, £100,000 or more in savings or investments with HSBC, or an HSBC Premier account in another country or region that you qualify for.
The HSBC Bank Account has a £300 (about $400) daily ATM withdrawal limit. Premier has £1,000 (about $1,334).
Ideal for newcomers who want to start the application from abroad and who can supply income details and ID.
2. Barclays – Start Online, Finish in a UK Branch
Barclays’s online application page says you must be resident in the UK, or be moving there within 90 days.
Why it’s worth it: you can begin before you arrive, as long as your move is close, and you have 90 days to finish.
You also need to be 18 or over, and your current address must be in the UK. Your addresses for the past three years can be outside the UK.
You complete the online application, then book a branch appointment to confirm your identity. You bring proof of ID, proof of your UK address, your income in pounds sterling and your employment details, including the full company address.
If you are a US citizen or resident for tax purposes outside the UK, Barclays says you will also need your foreign tax residency details and tax identification numbers.
For ID, Barclays accepts a valid passport or a UK biometric residence permit. For proof of address, it lists documents such as a bank statement, a utility bill, a Council Tax bill, a tenancy agreement from a local authority or housing association, or a letter from a UK Visas and Immigration licensed sponsor employer.
Barclays’s ID page does not mention visas or share codes, so ask the bank how it handles an eVisa before you go to the branch.
Barclays also says mobile banking and free text alerts need a UK-registered mobile phone, so get your UK SIM early.
Ideal for people who are moving within 90 days and who can book a branch visit in the first week.
3. Lloyds Bank – Simple Rules, UK Residents Only
Lloyds’s Classic Account page says account opening is subject to status, 18+, and UK resident.
Why it’s practical: no monthly account fee, and you can apply through the Lloyds app or the website.
Lloyds says it assesses your circumstances and that you should expect a credit history check. It also says it may offer a Basic Account if it cannot get credit history information.
That last point matters for newcomers, because a person with no UK credit file may not pass a standard check. A Basic Account has fewer features, but it is a real UK account with a sort code and account number.
The page does not list the exact documents, and I could not load Lloyds’s own “new to the UK” page. Check that page or call the bank before you go.
The Classic Account’s optional overdraft shows a representative 29.9% EAR (variable). Do not use an overdraft while you are building your record.
Ideal for people who are already living in the UK and want a mainstream account with no monthly fee.
4. NatWest – Passport Plus Share Code, Online
NatWest’s page for non-UK nationals is the most detailed of the major banks.
Pros: you can apply online with a valid passport supported by a valid eVisa share code, plus one proof of address document.
NatWest says the share code must come from GOV.UK, and the details must match your application, such as your name.
Proof of address options include a UK driving licence, a Council Tax bill, a utility bill, a bank or building society statement, a credit union statement, a mortgage statement or an HMRC letter. Bank statements must be dated within the last 6 months.
If you do not have the standard documents, NatWest says you can use a benefits or HMRC letter, but you will need to apply by phone or in branch and the account will take longer to open. For HMRC or benefits letters by post, it says to allow up to 15 working days.
If you apply without photo ID, you must provide the original documents within 14 days of applying.
NatWest’s wording is blunt: if you aren’t a resident in the UK you won’t be able to open an account.
Ideal for newcomers who already have a UK address and a passport with a valid eVisa share code.
5. Santander UK – Basic Current Account for Students and Newcomers
Santander’s international student page says its Basic Current Account might be suitable if you are a student new to the UK.
Why it’s great: the Basic Current Account is designed for people who do not have a UK bank account or who have been declined for other accounts. Santander says it is often suited to people new to the UK.
You must be 16 or over and live in the UK. Santander’s student page says you need a share code or visa, plus proof of ID and address, such as a university banking letter.
Santander’s Basic Current Account page says you need two documents from two different sources from its ID lists. If you do not have a listed ID or a permanent UK address, it says it may still be able to help, so visit a branch or contact the bank.
Applying triggers a soft credit check, which Santander says does not affect your credit score or appear to other lenders.
You can apply in the mobile banking app or in a local branch.
The page does not say you can apply before arrival. Because eligibility is “live in the UK”, treat Santander as a first-week option.
Ideal for students and newcomers with no UK credit history who want a no-frills account.
6. Monzo and Starling – UK App Banks
Monzo and Starling are UK banks that you open in an app. The sign-up is quick, but both are built for people who already live in the UK.
Why it’s practical: you can finish the application on your phone, with no branch visit, once you have your UK address and documents.
Monzo says that non-UK tax residents can open an account, but that you must live in the UK and have a UK address. In its words, if you don’t have a UK address, it can’t offer you an account. A Monzo Help page for the Irish account says the sign-up takes less than 10 minutes with a photo of your ID and a short selfie video, but I could not load the UK version, so confirm the UK steps in the app.
Starling’s documents page accepts a valid passport, an EU/EEA ID card or a non-UK passport with its accompanying share code. It may also ask for an eVisa share code to confirm residency.
For proof of address, Starling lists items such as a UK bank statement, a utility bill, a Council Tax bill, a signed tenancy agreement, and, for UK university students, a signed letter from your university dated within the last three months confirming enrolment, course dates and your address.
Starling says your name on the address document must match your ID exactly. It does not accept electronic money institution statements, for example from Curve, Revolut or Wise, as proof of address.
Starling’s page does not state eligibility rules or a UK mobile number requirement, so check those in the app.
Ideal for people who have already arrived, have a UK address, and want a fast app account.
7. Revolut and Wise – Money Apps That Can Bridge the Gap
Revolut and Wise are often recommended to newcomers. They are different from each other and different from the high-street banks.
Why it’s useful: both are easy to open on a phone, and both are useful for the first weeks while you wait for a full bank account.
Revolut says Revolut Bank UK Ltd is now a fully licensed UK bank, with the licence effective as of March 2026, in a blog post dated 11 May 2026. It says eligible deposits are protected by the FSCS up to £120,000 (about $160,020) per person.
Revolut says accounts are moving to the bank in stages, and that new customers are set up with FSCS-protected bank accounts automatically. You can check your status in the app, under profile and account details, by looking at the entity name: Revolut Bank UK Ltd means you are on a bank account.
On eligibility, a Revolut blog says you generally need to be a legal UK resident and, in most cases, a valid UK address. Non-residents may need extra documents such as proof of UK employment, a university letter or visa details.
Wise is not a bank. Wise’s own article says it does not have a UK banking licence and does not offer FSCS protection in the way banks do. It says it safeguards customer money by holding it separately from its own funds.
That does not make Wise unsafe. It means you should know what you hold: a payment account for moving and holding money, not a bank deposit.
Wise says its account is free to open and has no subscription. Its page does not state a UK sort code, so check in the app whether a UK account number and sort code are offered to you.
Ideal for people who need to hold pounds and pay quickly before a bank account is ready.
8. Real-Life Example – A Graduate Student from Accra’s Account in Leeds
Again, an illustrative case, not a real person.
A graduate student from Accra has a place at a UK university and a confirmed student visa. She cannot open a high-street account from Ghana, so she plans around that.
Before travelling, she asks the university’s international office for its banking letter template and notes which banks it works with. She downloads her bank’s app, but does not apply until she has her housing address.
In her first week she collects her university enrolment letter and her tenancy agreement. She generates a share code on GOV.UK and writes down her date of birth, which she will need to give.
She applies for an account with a bank that accepts her passport and share code, and uses her university letter as proof of address where the bank allows it.
Because she has no UK credit history, she is ready to be offered a basic or standard account, whichever the bank decides. Either way, she gets a UK sort code and account number.
By week three her card arrives, and she moves her rent onto a standing order. Her record has started.
9. Quick Comparison Table
| Bank | Best For | Costs Published | What to Know Before You Apply |
|---|---|---|---|
| HSBC UK | Starting from abroad | No monthly fee just for keeping the account; 2.75% card fee outside the UK; Premier needs £100,000+ income or savings | Its page says you can open before arriving, eligibility criteria apply, and processing time is not published |
| Barclays | Moving within 90 days | Not published on the pages checked | Must be UK resident or moving within 90 days; UK address needed; finish in a UK branch within 90 days |
| Lloyds Bank | Mainstream UK account | No monthly account fee on the Classic Account | UK resident, 18+; credit history check; may offer a Basic Account instead |
| NatWest | Passport plus share code | Not published on the pages checked | Online with a valid passport and eVisa share code plus proof of address; non-residents cannot open |
| Santander UK | Students and newcomers | Basic Current Account has no stated monthly fee on the pages checked | Must live in the UK; share code or visa, plus ID and address |
| Monzo, Starling, Revolut, Wise | Fast app accounts | Revolut plans £0 to £60 a month; Wise has no subscription | Monzo and Starling need a UK address; Revolut says UK resident; Wise is not a bank |
10. Pro Tip: Start Before You Fly
Start everything you can before you leave home.
Create your UKVI account and check that your eVisa details match your passport. Ask your employer for a letter on company paper that states your job and start date. Ask your university for its banking letter.
If you are applying through HSBC from abroad, have your income, employment and tax details ready, plus your passport and a proof of address.
Keep your home-country bank account open. You will need it for the first weeks.
Nigerian, Ghanaian, Kenyan and Indian customers often ask whether a home bank’s UK subsidiary can help. I could not verify personal-account rules for the UK arms of Access Bank, First Bank, Standard Chartered, SBI or Kotak. ICICI Bank UK’s website lists a personal current account and an NRI section, but its page does not say whether UK accounts can be opened from India, so ask the bank directly.
Treat any such offer like any other bank. Ask whether the bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority, and whether FSCS protection applies.
Step-by-Step Guide: How to Apply, Verify and Open Your Account Safely
So you’ve picked a bank. Now what?
Follow each step carefully so you don’t lose money or time.
Step 1: Get Your Documents Ready
Your valid passport. Your visa or eVisa details. Your UKVI account sign-in.
Your job offer or university letter. Your income details in pounds, if you are earning. Your phone with a working number.
Make clear photos of each document, with all four corners visible. Starling, for one, says documents must be fully visible.
Step 2: Set Up Your eVisa and Share Code
GOV.UK says you get a share code through the “View your eVisa” service. You can use a passport, a national identity card, a biometric residence card, an expired BRP or a UKVI customer number, plus access to the mobile phone or email linked to your UKVI account.
Check that your name and nationality are up to date before you generate a code. The code lasts 90 days, so generate it close to your appointment, not months ahead.
💡 Pro tip: write down your date of birth in the same format as on your passport. Whoever checks the code needs it.
Step 3: Choose the Right Account Type
A standard current account is the best option if you can open one. A Basic Account is a real alternative if the bank cannot get credit history information.
MoneyHelper says a basic account is free to set up and use, lets you receive wages, pay by debit card and set up Direct Debits, but has no overdraft or cheque book. It adds that you won’t be able to spend more than you have.
For a newcomer in the first months, that is not a weakness. It keeps you out of debt while your record builds.
Step 4: Get Your UK Address Proof
Most banks want a document with your UK name and address. Common ones are a tenancy agreement, a utility bill, a Council Tax bill, a bank statement or an HMRC letter.
If you have just arrived, look at the other documents each bank accepts. Barclays accepts a letter from a licensed sponsor employer. Starling accepts a university letter for students. Santander mentions a university banking letter.
💡 Pro tip: ask your employer’s HR team or your university’s international office for a letter in your first week. They do this all the time.
Step 5: Start the Application the Safe Way
Open the bank’s own app, or type the bank’s address into your browser yourself. Do not click a link in a text or email.
If you are applying through a branch, book an appointment so you are not waiting on arrival.
Fill in your name exactly as on your passport.
Step 6: Verify Your Identity
You may need to take a photo of your passport and a short selfie video, or show original documents in a branch.
If you are told to give original documents within a set period, do it. NatWest, for example, says to provide originals within 14 days if you apply without photo ID.
Step 7: Wait for Your Card and Set Up Security
Cards and PIN details normally arrive separately. Do not share your PIN or your full card number with anyone.
Set up the app, switch on notifications and keep your UK mobile number active.
Barclays says mobile banking and free text alerts require a UK-registered mobile phone.
Step 8: Tell Your Employer and Landlord
Give your employer your sort code and account number in writing. Do not send them in a public group chat.
Ask your landlord to confirm the account name before you pay the first rent.
Step 9: Stay Professional and Build Your Reputation
Pay every bill on time and keep your balance positive.
Do not lend your account to anyone. Do not let a stranger “use it for a payment” or offer you money for it. That is called being a money mule, and it can be a criminal offence.
UK Finance’s Take Five campaign says it is okay to reject, refuse or ignore any request, and that you should contact your bank immediately if you think you’ve been scammed.
Step 10: Example – A Student from Nairobi’s Safe Account Opening in Glasgow
An illustrative case, not a real person.
A student from Nairobi arrives in Glasgow and gets a message on social media from someone offering “a student account in two hours for a fee.” He ignores it.
He instead books an appointment with a bank he found on its own website, brings his passport, his tenancy agreement and his university letter, and pays no one.
Result: no lost money, a UK sort code and account number, and a clean start.
Ready to Apply?
You have the steps. You have the banks. You have the numbers.
Prepare your documents, check each bank’s own page for the current rules, and open your account only through the bank’s official app or branch.
From a First UK Account to Settlement: Building Stability in the UK
You’ve landed. You’ve opened your account. Now comes the exciting part — building a stable life in the UK.
1 · When to Move from a Basic Account to a Full Current Account
If your first account was a Basic Account, you can usually ask the bank later to move you to a standard account.
Lloyds’s own page says customers with a Basic Account can ask to move to a Classic Account. Other banks have similar routes, but their pages differ.
The test is simple. Have you paid bills on time for several months? Is your salary arriving regularly? Is your balance stable?
If yes, ask the bank what it needs.
2 · Keeping Your Account Safe and Insured
The FSCS says it can compensate up to £120,000 (about $160,020) per eligible person, per authorised firm, for deposits held with UK-authorised banks, building societies and credit unions. The limit took effect on 1 December 2025. From 1 January 2017 to 30 November 2025 it was £85,000.
Temporary high balances, after a life event such as selling a home or receiving an inheritance, can be covered up to £1.4 million (about $1,866,900) for six months.
Banks that share a banking licence are treated as one bank. If you hold money across brands that belong to the same group, the limit applies to your combined total.
Revolut says its eligible deposits are protected by FSCS, but that crypto, stocks and commodities are not. Wise is not a bank and does not offer FSCS protection in the way banks do.
3 · Boosting Your Credit Score (Experian, Equifax and TransUnion)
Your home-country credit history does not move with you. In the UK, lenders check files held by credit reference agencies, and the three main ones are Experian, Equifax and TransUnion.
A newcomer’s credit score starts thin. That is normal.
Pay your bank, phone and energy bills on time. Keep any card balance low. Avoid applying for many credit products at once, because each application can leave a mark.
MoneyHelper notes that registering to vote can help, as some banks use it in checks. Eligibility to register depends on your nationality and status, so ask your local council before assuming you can.
Check your own file from time to time, and correct anything that is wrong.
4 · Plan Financially Like a Pro
| Banking Cost | Published Monthly Cost | About in USD |
|---|---|---|
| HSBC Bank Account | No monthly fee just for keeping the account | $0 |
| Lloyds Classic Account | No monthly account fee | $0 |
| Revolut Standard | £0 | $0 |
| Revolut Plus | £3.99 | $5.32 |
| Revolut Premium | £8.99 | $12 |
5 · Work with Verified Banking and Money Providers
When you want more than a current account, such as a savings account or a mortgage, use regulated providers.
Check the Financial Conduct Authority’s register for the firm’s name. Check the bank’s own website and use its official app or phone number.
If someone offers you a mortgage, a loan or an investment through a social media direct message, walk away.
6 · Renewing or Upgrading Your Legal Status
Your bank may ask you to confirm your immigration status again when your visa changes. Keep your UKVI account details up to date and generate a new share code whenever it is needed.
Settlement in the UK, known as indefinite leave to remain, has its own rules, fees and residence requirements. These have been under review, and I could not verify the latest settlement rules for this guide, so check GOV.UK or speak to a regulated immigration lawyer before you plan.
Keep your health insurance and healthcare surcharge paperwork if your visa requires it. And keep your passport and eVisa details safe.
7 · Case Study – A Nurse from Ibadan’s 5-Year Journey
An illustrative case, not a real person.
A nurse from Ibadan opens a basic account in her first month. She uses it for her salary and her rent, and never goes overdrawn.
After a year she asks her bank to move her to a standard account. She now has twelve months of payslips, bank statements and rent payments.
Over the next years, she keeps her documents in one folder. When she is ready to talk to an immigration lawyer for work visa and settlement questions, she can show income and address records easily.
Result: a clean financial record built one step at a time.
8 · Common Mistakes to Avoid
❌ Paying anyone to “open an account for you” or to lend you a ready-made account
❌ Assuming every bank can open an account before you arrive
❌ Using a share code that has expired or sending it to people you do not know
❌ Letting someone else use your account, which can be money mule activity
❌ Keeping money in a money app and assuming it has bank-style FSCS protection
9 · Long-Term Advantages of a Good UK Account
| Category | Benefit |
|---|---|
| Payments | A sort code and account number let you receive salary and pay rent in the normal UK way |
| Credit | Regular on-time payments help you build a UK record over time |
| Protection | FSCS covers eligible deposits at UK-authorised banks up to £120,000 per person, per firm |
| Cost | Several UK accounts have no monthly fee for keeping the account |
| Stability | A UK bank account and address make later applications simpler |
10 · Your Next Step – Act Now
Pick two banks from this guide. Read their own pages today.
Write down the documents each one asks for. Start your UKVI account, then collect your UK address proof when you arrive.
Then submit your application through the bank’s official app or branch.
Final Thought
A UK bank account is not a bonus. It is the foundation of your first year.
Do the preparation before you fly, keep every letter, and use only the bank’s official channels.
Report any fraud. The police Report Fraud service replaced Action Fraud on 4 December 2025, and its phone line is 0300 123 2040.
Before you know it, you’ll go from newcomer to settled resident — living proof that smart planning pays off.