Most traditional bank accounts in the UK today offer some form of free online or mobile banking that can be accessed using your computer, laptop, tablet or mobile phone. Digital banking lets you access almost every banking function at any time, from any place – even outside your your bank branch’s normal opening hours or if you’re travelling abroad.

How do you apply for digital banking?

Whether you are switching to a new account or remaining with your current bank, applying for online banking is easy: just ask! In branch, over the telephone, or online, whichever is your preference.

Your bank will send you everything you need to get started with digital banking, including your login details. Once you have received everything (there’ll usually be a few separate letters), simply grab your computing device of choice and follow the instructions.

What can you do with digital banking?

Digital banking allows you to access your account details via the bank’s website or mobile app. The layout and functionality of digital banking differs depending on the bank you choose, as does its user-friendliness: some apps and websites are much better than others.

Here’s a list of some of the typical (and free) things you can access via online or mobile app banking:

What are the benefits of banking digitally?

If you have managed your banking in-branch for years, or just don’t fancy the idea of conducting your financial transactions on a computer or mobile phone, it is easy to overlook the benefits of online banking – of which there are myriad:

How do I make the most of digital banking?

As well as the benefits of online banking, there are a few things to bear in mind when using online or mobile banking:

Finally, to ease any concerns you may have, most banks offer some form of guarantee against financial losses caused by online fraud. So long as you have done your very best to guard against it (don’t reveal your username or password to anyone else and inform your bank the minute you realise something is amiss), your bank will refund you in full.

Now read our guide on choosing the right current account

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