Bad Credit Bank Accounts

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 (i) National Savings Easy Access Savings Account with LINK ATM card.

 This basic savings bank account replaces the Ordinary Account.

 It comes with a LINK ATM card that allows you to withdraw up to £300

 per day at any Post Office or LINK cash machine. You can operate your

 account via the telephone. Interest paid.

 (ii) Yorkshire Bank Instant Access Savings Account with passbook.

 This basic savings bank account comes with a passbook. You need £50 to

 open this basic passbook account. Once again, this very basic account is

 not strictly a bank account and does not come with a cash or debit card.

 (iii) Nationwide CashBuilder account.

 This basic savings bank account comes with a passbook or ATM card.

 You need just £1 to open this account. You can withdraw up to £500

 in cash at any branch using your passbook. Once again, this very

 basic account is not strictly a bank account and does not come with

 a cash or debit card.

 (iv) Cheltenham and Gloucester Gold passbook account.

 This basic savings bank account comes with a passbook. You need just £1 to open

 this account.

 (v) Sainsbury's Bank Instant Access Savings Account with ATM card.

 This basic savings bank account can be operated online or by phone.

 You need just £1 to open this account. Although this very basic account is not

 strictly a bank account, it does comes with an ATM cash card allowing you to

 withdraw up to £250 per day.

 (vi) Cumberland Building Society Instant Access Savings Account

 This account requires a minimum initial investment of just £1. Must live in North

 West England / South West Scotland.

 (vii) Halifax Liquid Gold passbook account.

 This very basic savings bank account is operated using a passbook at a branch.

 It requires a £50 opening deposit and is also available to non-UK residents.

 The Halifax also have a cheque book based savings account called the

 Asset Reserve Cheque Account. Requires a £5000 opening deposit.

 (viii) Abbey Flexible Saver instant access savings account with ATM card.

 You can open this basic savings bank account with just £1. It also comes with an

 ATM cash card. Internet & telephone banking. Branch counter service also available.

Guaranteed UK Bank Accounts for Those With Adverse Credit

 (ix) Britannia Building Society EasySaver instant access account.

 This basic savings bank account comes with a passbook or cashcard.

 The account requires an opening deposit of at least £100.

 (x) Wesleyan Assurance Society Cheque Account

 You can open this postal savings bank account with just £1 and it comes with a

 cheque book.

 (xi) Tesco Personal Finance Savings Account with ATM card.

 You can open this basic savings bank account with just £1. It also comes with an

 ATM cash card that can be used to withdraw cash at any LINK cash machine.

 Inward direct debits. Good rate of interest.

 (xii) Kent Reliance Building Society Easy Access Account with passbook.

 This is a passbook operated instant access savings bank account. Inward standing

 orders allowed. Minimum opening deposit for this passbook account is just £50.

 (xiii) Newcastle Building Society Nova Plus Account with passbook.

 This basic passbook instant access savings bank account requires a minimum

 deposit of £1.

 (xiv) Portman Building Society

 This has now merged with the Nationwide.

 (xv) Leeds & Holbeck Building Society Premier Current Savings Account

        with passbook.

 This savings current bank account requires a minimum deposit of only £100.

 This real current savings bank account comes with either a passbook or a

 cheque book and cheque guarantee card if you have good credit.

 If you have £2500 or more to invest they also provide a cheque savings bank

 account called the Albion Cheque Account. This real current savings bank account

 comes with a cheque book. If you have good credit you can also obtain a £250

 cheque guarantee card.

 (xvi) Royal Bank Of Scotland Instant Access Savings Account with ATM card.

 This basic savings bank account requires a minimum opening deposit of £50 and

 allows inward standing orders. An ATM Cirrus card is also provided with this

 savings account. Internet & telephone banking.

 (xvii) HSBC Flexible Saver with ATM card.

 This basic savings bank account requires a minimum opening deposit

 of £1. Statements sent quarterly. Internet & telephone banking.

 (xviii) The Derbyshire Building Society Cash Account with ATM cash card.

 This is a basic savings bank account that requires a minimum opening deposit of

 just £10. There is a LINK cashcard with this simple account. Withdraw up to £250

 per day. You can also pay your salary directly into the account.

 (xix) Dunfermline Building Society Instant Access Gold Savings Account with ATM

         card.

 This instant access savings bank account requires a minimum opening balance of

 £1. It also comes with a LINK ATM cash card. This savings account also comes

 with a passbook.

 (xx) Yorkshire Building Society Cash Transactor Account with passbook or ATM

        card.

 This savings bank account comes with a choice of either passbook or LINK ATM

 card. Requires £100 to open. Acts very much like a real bank account in so far

 as you can pay your salary into this savings account and set up direct debits and

 standing orders.

 (xxi) Lloyds TSB Mini Cash ISA Savings Account

 This is the only suitable instant access savings bank account for those who do

 not have a Lloyds TSB current bank account. Minimum withdrawal £10.

 (xxii) Alliance & Leicester EasySaver Account with Link cash card.

 This basic savings bank account can be opened with just £1. It comes with a Link

 ATM cash card and has a daily withdrawal limit of £500. Inward standing orders.

 (xxiii) Woolwich

 The Woolwich name has now effectivelt disappeared and has become part of

 it's parent company Barclays.

 (xxiv) AMC Bank

 It appears that the cheque book savings account is no longer available.

 (xxv) Bank Of Cyprus Instant Access Savings Account

 This bank offers a basic savings bank account that requires just £1 to open.

 (xxvi) Bank Of Ireland Classic Saver Account

 This instant access savings bank account requires an initial opening

 deposit from just £1.

 (xxvii) Bank Of Scotland - See Halifax.

 (xxviii) Barnsley Building Society Falcon Instant Savings Account

 This instant access savings account is available only to those who live in areas

 covered by the Society's branch and agency network. The minimum opening

 balance is £1.

 (xxix) Beverley Building Society Instant Access Account

 This instant access account requires a minimum opening investment of £1.

 Branch based. Customers must live within 25 mile radius of Beverley.

 (xxx) Birmingham Midshires Internet Easy Access Account

 This instant access savings account requires a minimum investment of just £1.

 (xxxi) Chorley & District Building Society Paid Up Savings Account

 If you live in the Chorley area this building society offers an instant access

 savings account that requires a minimum account balance of £25.

 (xxxii) Earl Shilton Building Society Double Top Savings Account

 If you live in the Leicestershire area then this building society offers an instant

 access savings account that requires a minimum balance of £1.

 (xxxiii) Melton Mowbray Building Society Instant Access Share Account

 This building society offers an instant access passbook operated savings account

 for those who live in Leicestershire, Lincolnshire, Nottinghamshire or Rutland. The

 account can be opened with a minimum of £25.

 (xxxiv) Shepshed Building Society Instant Access Savings Account

 If you live in the Midlands this building society offers an instant access savings

 account with a minimum opening balance of £500.

 (xxxv) Swansea Building Society Instant Access Savings Account with passbook.

 If you live in the South Wales area this building society offers an instant access

 savings account with a minimum deposit of £500.