If you try to open a standard UK personal current bank account complete with cheque book, cheque guarantee card, Switch or Visa Delta debit card and overdraft facility then you could be refused for any number of reasonsincluding poor repayment history, poor, adverse or bad credit (County Court Judgments - CCJs, Defaults), bankruptcy or IVAs, a low credit score (low earnings, not at current address for long etc), a history of fraud (CIFAS flag)orfor just not being on the electoral register. Select a link below for the type of bank account you require