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Universal Credit

Advice on choosing a bank account


You must have a bank account to be able to apply and receive Universal Credit. You can find advice about the types of bank accounts available.

If you have a poor credit history or low income you may find it difficult to open a current or standard account. In this case you can open a fee free or basic account. All of the major nine banks in the UK are legally obliged to offer you this service.

Unlike standard accounts they do not have as many benefits and you cannot go overdrawn with a fee free account. You can have your wages or benefits paid into them though as well as withdraw money from ATMs, pay regular bills by Direct Debit and use a debit card to pay for things online and in shops. Further information on fee free accounts.

Alternatively, you may want to consider setting up an account with a Credit Union.

Credit Unions are a fast growing alternative to banks and building societies. They are not-for-profit and provide a range of products including current accounts, savings accounts and loans.

6Towns credit union operates throughout Worcestershire and beyond and works with local communities ensuring that everyone has access to banking facilities and access to affordable credit.

To open a 6Towns Current Account you need to do the following:

  • Go to 6Towns website at
  • Click the ‘Click here to apply online' at the top of home page
  • First Complete the ‘6Towns Membership and Current Account Application'

6Towns Credit Union is authorised and regulated by the Financial Conduct Authority and all savings are fully protected. More information on their services are available by visiting