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Years ago, bank accounts were relatively easy to come by. Now, with the recent credit crunch, banks are being more careful about who they offer a bank account to. If you have an impaired credit history and have been refused a bank account, then this could be why.
Most people need a bank account, so for those who may have been declined one from a mainstream bank, then there is still hope. Bad credit bank accounts are designed for this reason.
Some specialist lenders will offer Bank Accounts for people with Bad Credit without even conducting a credit check.
A bad credit bank account is much like a normal bank account, you can have your salary paid into it and you can withdraw money from ATM machines as usual. You can also set up standing orders on a bad credit bank account to help pay for bills or other expenses, all for a small and reasonable monthly fee.
You could also set up a basic bank account which means you can withdraw and credit the account with funds but it may be slightly limited to start with. You can then build up your finances to a stage where you have a more attractive credit history.