Current account

The current account for everyone

Card One Money is a simple and secure way for you to set up Direct Debits, pay bills and create standing orders.

All for £12.50 a month. See pricing

The Card One Money current account is not covered by the Financial Services Compensation Scheme. Please see our FAQs for more information.

How it works

Managing your account couldn’t be easier, whether you’re making payments or just looking for somewhere to stay on top of your finances.

Get paid

Any regular payments you receive, like wages or benefits, can be paid directly into your account.

Allocate funds

Set aside what’s needed to cover your bills and outgoing payments, or ask your account manager to do it for you.

Go spend

Transfer any leftover money to your card for everyday spending or set it up to do so automatically.

The Card One Money account

By combining our payment technology with dedicated, human support, our current account provides a modern alternative to the traditional bank account.


We don’t run any credit checks, all we need to do is verify your identity and residency.
You can apply regardless of your employment status.
You get your own account number and sort code.
Pay money in to your account by cash and cheques.

to you

Keep your account secure with Two-Factor Authentication.
Manage your money online wherever you are, 24hrs a day.
Set up text alerts and receive push notifications.
Switch your existing account and payments over in 7 days.


A card for your everyday spending needs.
Earn up to 3.5% cashback at select UK retailers.
Take cash out at UK ATMs with our fixed £1.50 fee.
Load your card on the go through our mobile app.


Set up and manage direct debits and standing orders.
Prioritise your Direct Debits so important bills get paid first.
Get your salaries and benefits paid straight into your account.
One account to keep track of all your spending.

Smooth sailing to get started

Opening an account couldn't be easier. All we need to do is verify your identity and residency, with no need for any credit checks.

No opening fee

Apply in minutes and don’t pay any account opening fee. After that, it’s just £12.50 a month.


Upon application, instantly receive your sort code and account number, so you can start using your account.

With you in a flash

Your card will arrive within five working days, then all you need to do is call us to activate it and get your PIN.

Ready to spend

Make a Chip & PIN transaction to enable contactless then start using your card at home or around the world, wherever Mastercard is accepted.

Fantastic experience!! Account open [in] less than 30 minutes. Very friendly staff. Easy to reach. Probably one of the quickest services I have received in the UK. Thank you for the support.
Card arrived this morning I had a few queries while setting up through the day with all of my direct debits and bills but the 2 people I spoke to on two different occasions were more than helpful.

Great customer service and this will now be my main account to hold my money.
Good experience. I recently opened an account with CardOneMoney and so far I’m impressed. Good, efficient and fast assistance from the customer service. Thank you Megan!!

Need to know more?

Can I apply online?

Yes, you can. Simply complete our online application form. If you have any problems or need some help, please get in touch on 0345 241 6775 and one of our advisors will guide you through the process.

How long does it take to switch your account?

If you use the Current Account Switch Service that we provide, your account will be completely switched over within 7 working days. Find out more

I have a bad credit history; can I still get a current account?

Yes, you can. You can get a Card One Money account regardless of your credit history. All we need to do is verify your identity and residence, we don’t run any credit checks so we can help you make a fresh start.

More FAQs