2025/26 All tools updated for the current UK tax year — VAT threshold £90,000 · Personal allowance £12,570

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🏦 Bank Account

🇨🇳 Chinese — 中文

🌐 Press Translate above to read in 中文

Open a UK Bank Account

Most migrants can open a UK bank account. App-based banks are easiest — no UK credit history needed.

🔵 MonzoOpens in minutes. Passport + selfie. Free. No credit check.

🔴 WiseMulti-currency. Best for international transfers. Real rates.

🟢 StarlingFree app bank. No fees abroad. Strong customer service.

You need: passport or ID card, proof of UK address, NI number (helpful).

🏦 Recommended Monzo

Free UK bank account — open in minutes on your phone. No credit check.

💸 Best Rate Wise

Real exchange rate, low fees. Send money internationally in minutes.

General guidance only. Visit GOV.UK for official information. 🇨🇳 Chinese hub

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