• We're not a bank

    We’re a better place to be
    A better place
  • You’re guaranteed a current account

    All we need is proof of who you are
    guaranteed account
  • Everyone is welcome

    We don’t judge you by how much money you have or haven’t got
    Everyone is welcome
  • You can join for free

    Then choose the account you want
    Free to join
  • You can’t overdraw your account

    No running up debts from overspending
    No credit checks
  • Save as you spend

    Regularly and automatically, with no hassle or financial strain
    Save as you spend
  • We give you digital Jam Jars

    So it’s easier to manage your money and pay your bills
    Mange your money easily
  • We give you simple and useful money services

    Online and on your mobile, with help over the phone!
    Simple money services
  • Our pricing is clear and fair

    No nasty shocks or unexpected fees
    Clear and fair prices
  • You can choose

    To access other fair and open money services through Ffrees too
    Meaningful choices
  • It's free to join
  • Visa debit card
  • Guaranteed acceptance1
  • No credit checks
  • You can’t overdraw your account
  • You get digital Jam Jars
  • Build regular savings and stay ahead of your bills
  • Save as you spend. Earn Cashback

1 You must be aged 18 or over and be living at a UK postal address to open a Ffrees Account. We may require proof of ID to process your application.

Watch our video
"Very helpful when i had a problem it was resolved straight away, excellent service" "Very easy to register and comes with a free card and bonus points. it's well worth going with Ffrees" "I have a Bankruptcy and credit situation now i have easy access and no hassle with Ffrees" See more
Ffrees card is for everybody

There’s a Ffrees Account for everyone

We’re all different, aren’t we? That’s why our range of current accounts gives you a bigger, better choice to suit your needs, not ours. With a variety of rewards and benefits for different fees, you’ll find the right current account for you with Ffrees.

With four Ffrees Accounts, there are four better places to be.
Which is the right account for you?
Family Account

Monthly fee


The Ffrees Family Account is our no-frills package that comes with no joining fee and no monthly fee1. It's simple, easy and fair and still enables you to spend and save.

1There is no standard monthly fee but a £2 per month dormancy charge will apply if your account has not been used for 2 months.

Plus Account

Monthly fee


The Ffrees Plus Account is a great choice for regular users who know they’ll use more account features, but want lower fees to do so. You pay £2.50 a month and get reduced service fees as well as 12% Extra Ffrees Cashback1.

112% more Cashback than the Ffrees Family Account

Premium Account

Monthly fee


The Ffrees Premium Account is perfect for smart shoppers who want to earn more Ffrees Cashback, with lower transaction fees than the Plus Account. It costs just £5.00 a month, and you can earn an extra 25% Ffrees Cashback1!

125% more cashback than the Ffrees Family Account

Diamond Account

Monthly fee


The Ffrees Diamond Account is for serious savers who want to earn the most Cashback, enjoy the most benefits, and really get the most out of their Ffrees Account, with the lowest fees possible. It costs £10.00 per month, but you get a whopping 40% extra Ffrees Cashback and free ATM withdrawals1.

1Fair usage policy of 8 ATM withdrawals per billing cycle applies. £0.25 thereafter.

Ffrees Plam Tree Island

10 Reasons why you're better off with Ffrees

  • We are not a bank. We’re a better place to be.
  • You’re guaranteed a current account. All we need is proof of who you are.
  • Everyone is welcome, we don’t judge you by how much money you have or haven’t got.
  • You can join for free, then choose the account you want.
  • You can’t overdraw your account. No running up debts from overspending.
  • You save as you spend, we give you cashback when you spend through us and save £500 a year.
  • We give you digital Jam Jars, so it’s easier to manage your money and pay your bills.
  • You get simple day-to-day money services, on the internet, on your mobile or over the phone.
  • Our pricing is clear and fair, we show you how much we charge for what.
  • We offer meaningful choices for other money services you can get through us.
Open Book

We are transparent

Nobody can provide a completely free banking service. We prefer honesty and clarity.

There's no such thing as completely free banking, and we don't pretend otherwise. Some banks use unplanned overdrafts and other complex legal waffle that a lot of us might not understand, which means it isn't actually “free” at all. It's dishonest and misleading.

We prefer honesty. We don't have overdrafts and all our fees can be seen below. Whenever a fee is payable, we will flag this up very clearly.

Compare Accounts
Account Family Account Plus Account Premium Account Diamond Account
Application Free Free Free Free
Monthly management Free1 £2.50 £5.00 £10.00
Extra Ffrees Savings Points Standard Rewards 12% Extra Rewards 25% Extra Rewards 40% Extra Rewards
UK transactions Free Free Free Free
UK ATM £0.75 £0.50 £0.25 Free2
European ATM £2.50 £2.00 £1.00 1 Free
£1.00 thereafter3
European ATM Forex Charge 1% 1% 1% 1%
International ATM £2.00 £1.50 £1.50 1 Free
£1.10 thereafter3
International ATM Forex Charge 2% 2% 2% 2%
Foreign exchange 2.99% 1.99% 1.49% 1.00%
Mobile balance alert £0.10 £0.10 £0.10 £0.10
  1. No standard monthly fee, however a £2 Dormancy Charge will apply if your account has not been used for two months.
  2. Fair usage policy of 8 ATM withdrawals per billing cycle applies. £0.25 thereafter.
  3. First ATM withdrawal per billing cycle.
Paying in
Wage, benefits & pensions payment Free Free Free Free
BACS Free Free Free Free
Debit Card £0.50 £0.50 £0.50 £0.50
PayPoint 4.00% 3.00% 3.00% 2.50%
Lost, stolen or damaged card replacement £5.00 £5.00 £5.00 £5.00
Additional card holder card £5.00 First free,
First two free,
First two free,
SMS alerts1 £0.10 £0.10 £0.10 £0.10
Email alerts Free Free Free Free
Account cancellation / redemption £2.50 £2.50 £2.50 £2.50
Standing Order set up Free Free Free Free
Paper Statement issue (62 days) £2.50 £2.00 £1.50 £1.00
PIN reset2 Free Free Free Free
Expired card replacement3 Free Free Free Free
Card-to-card transfer Free Free Free Free
Standard dated bank transfer Free Free Free Free
Next day fund transfer £5.00 £4.00 £3.00 £2.00
Charge back request £10.00 £10.00 £10.00 £10.00
Debit card load charge back £15.00 £15.00 £15.00 £15.00
International fund transfer £20.00 £20.00 £20.00 £20.00
Urgent international fund transfer £28.00 £28.00 £28.00 £28.00
Chaps £20.00 £15.00 £12.50 £10.00
  1. Standard network charges may apply
  2. PIN reset can be done online or by calling 0333 202 3640, calls are charged at UK national landline rate
  3. Cards are valid for 36 months and cards are reissued if used 3 months prior to expiry
Maximum card balance £5,000.00 £6,000.00 £8,000.00 £10,000.00
Maximum load balance £5,000.00 £6,000.00 £8,000.00 £10,000.00
Minimum load balance £10.00 £10.00 £10.00 £10.00
Maximum daily ATM withdrawal £250.00 £250.00 £250.00 £250.00
Ffrees Card and Money

Paying in to your Ffrees Account

First things first. How do you pay in to the account?

Once your Ffrees Account is set up, activated and PIN retrieved you're ready to roll. The first step is to pay money into your Ffrees Account. There are plenty of simple and easy ways to do this. Click below to see more information.

Find out more
look at our testimonials

Making payments using your Ffrees Account

You need to know how to pay out if you have paid in, so how do you do this?

Your Ffrees Visa Debit Card works just like any other debit card. You can use it to pay for things online or in-store (anywhere that accepts Visa worldwide, but remember fees may apply for overseas transactions!).

Find out more
Are you ready for a better current account provider?
Join Now