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U Account

U Account is the online account without the bank. Don’t have a U Account yet? Go to www.uaccount.uk and click Apply to set up an account for free, and get all this good stuff:
• An account number and sort code for receiving money
• A contactless prepaid Mastercard® card for day-to-day spending
• Direct debits and payments in and out
• Extra Accounts for paying bills or setting cash aside
• Cash pay-in at 29,000 UK PayPoint stores
• Cashback points at 25+ high-street retailers
• Spending categories and graphs

Account all sorted? Great! Download the U Account app to…
• Check your balance & recent transactions
• Pay your saved payees (up to £500 per 24 hours)
• Find out & unblock your PIN
• Freeze & unfreeze your card, or let us know if you lose it
• Move money between Extra Accounts
• Receive real-time notifications for account maintenance
• Get help & support

U is the trading name of U Holdings Ltd. (Company Number: 11898861). U is not a bank. U Accounts are serviced online. U does not offer overdrafts. Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard® International Incorporated. The Card is issued by Wirecard Card Solutions Ltd ("WDCS") pursuant to licence by Mastercard® International Inc. WDCS is authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 900051).

Category : Finance

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Reviews (29)

Hel. F. Jul 29, 2019     

No idea what all the negative reviews are for. I'm in an IVA so needed a bank account that was simple and easy to open. This is it. You can pay money in, you can take money out. You have a debit card (granted, the fact that you can't see what your 'pending transactions' are is quite annoying but..) and you can set up direct debits. It has a convenient app, you can check your account 24/7 and block your card easily if you lose it. U Account is a win for a £10 monthly fee. What more do you want😁

And. R. Sep 13, 2019     

Nice to have an app, because every company has one now but this adds zero to anything the browser on your phone can do. You can save log in details on the browser, which won't log you out as soon as you flick away to check something, which the app does. It is much quicker to log in on the browser too, the app is very slow for some reason, and the app has much more limited function than the browser page. The app is pointless and only exists because companies feel they ought to have one now.

Dan. H. Jan 14, 2019     

Ffrees is absolute scam. Now banking for free with a basic bank account from traditional high street bank in the United Kingdom. Dont know why I ever banked with Ffrees in the first place. Much better service and satisfaction all round from my new banking institution. Steer clear of these clowns. Don't say that I didn't warn you!

Mik. S. Aug 13, 2020     

Used to a very quick app, not so good now, takes ages to load, if it does at all. Other than that other banks cause you trouble getting paid into this account for the 1st transfer. But I'm very happy it works

Man. L. Jun 11, 2020     

This is an excellent banking app, the only issue i can say is when you pay a recipient, it needs to be transfered straight into recipients account, but otherwise i've not no problems, really pleased with the service, i would highly recomend.

Ale. P. Feb 11, 2019     

after falling into financial problems and not having the options of credit, this card has been a great help allowing me the options of online payments, contactless, and full control of my spending, without the worry of further debt.

Lee. F. Jul 12, 2019     

Still needs improvements, fingerprint scanning is not always responsive and access code button does not work at all

Dan. D. Aug 13, 2020     

Great when it works, But after an update today I cannot login, It just forever loads. Been trying it for hours now and had to login via my pc instead.

Tho. F. Jun 28, 2020     

Wirecard who U account use as their card issuer have been having issues since the start of June, have an extremely dodgy background, failed audits, massive fraud and administration, but U account have no issues dealing with this dodgy company! U account lied to its customers and assured us that the wirecard problems would not effect its customers, they lied, ive now spend 3 days with no access to my money and U account giving us zero information on when I will be access my money. Terrible!

BR. Mar 6, 2019     

closed my account when they knew i had payments coming in, seems very fraudulent because i have sent the documents which were asked for and no I am waiting just for a reply no good whatsoever.

ugw. c. Jan 3, 2019     

This people are fraudulent, my account has been on review for more than a month now with a balance of over £1000 and my company wrongly paid my wages to this account and they have refuse to send it back to my company for them to pay me in a different account. This people are scam they have no contact number for you to speak to anyone, they keep telling you they will get back to you with no reply. stay away from this criminals they are scam.

Chr. L. Apr 14, 2019     

been using frees and u for more than 2 years now. things are pretty clear and easy to understand. don't know what everyone is banging on about tbh. never had any problems with them before.

t. Aug 3, 2020     

I know uaccount has had some problems but they were resolved. Always had good service and love using it so decided to stick with them.

A. G. u. Jan 4, 2019     

service is pretty poor 6 days my account password and pin are still not available can't access the money I have transferred, I'm beginning to think it's a con download at your peril.

Dar. R. Jul 25, 2019     

the u account does what it says ,never had a problem with it ,its my only bank account, if you notice from the bad reviews these are people using the account with no proof of funds ,so legally the funds are withheld , all transactions and payments are done within 2 hrs

S.T. a. Jun 22, 2019     

very bad n wrost app, unable to login my new account, Always show ur Email PW is incorect, uninstall and never use this kind of useless app,Waist of time n mony.😡

Rya. M. Sep 3, 2019     

This would be great if it worked in the US! Thx for the heads up letting me know us citizens are not eligible (being sarcastic)

Glo. L. Dec 22, 2018     

Stay away from this fraudulent company, they hold your money for no reason and they don't reply to you even when you send all the requirements, they have stolen 500£ from me and restricted my account since 2 months, later i found out that they did the same thing with too many people.

Fuc. C. Sep 29, 2020     

can't login or change my details.. I've sent a message no reply my cousin has a uaccount and tried contacting them for me but the idiots said I had to contact them myself.. so how the hell can I do the if the link doesn't work? I'm a new customer who hasn't actually managed to use my account because I CAN'T LOGIN.. THIS COMPANY IS PATHETIC..

Gra. S. Jun 25, 2019     

I am 69 new to all this app lark but I have found this to be so easy to use I have never had any problems it's a great app and account 100%

N. D. Oct 7, 2020     

⚠️ BE AWARE ⚠️WORST DIGITAL BANK IN THE ENTIRE WORLD. USELESS CUSTOMER SERVICES. DO NOT GET INVOLVED WITH THIS BANK. IF YOU LOSE YOUR PASSWORD, YOU CAN FORGET YOUR MONEY. THEY DONT REPLY EMAILS AND THE AUTOMATED SYSTEM DOESNT PROVIDE YOU THE LINK TO RESET THE PASSWORD. TRASH!! ⚠️ KEEP AWAY FROM UACCOUNT⚠️

KUL. G. Jan 24, 2020     

Have not even downloaded this app let alone used it!! How can I give an honest review of some thing I not used yet??? Again I updated it n again saysin update???😡😡😡😡 Again trying to get into my u account have updated it already but not letting me in till update it again!! But not download new update again 😡😡😡??? Again sayin update it?? Already updated this but again sayin update it😡😡?? Again 4th try to update n use the app n not downloadin to update to open n get into app?!?😡 Still try

Der. W. May 11, 2019     

getting annoyed i use my card on few websites but after a few months i can no longer use it it gets blocked i ask the company and they tell me uaccount have blocked it but uaccount tell me its the companys not them its a massive flaw

A. G. u. Jan 11, 2019     

is an excellent account did you everything that you need only one drawback PayPoint can't pay in yet but give it 100 out of 100

Tec. P. Feb 21, 2021     

Having very less options and showing comming soon since a long time

Ahm. A. Sep 11, 2019     

worst app. not working always says email or psed incorrect :/

cha. r. Jul 1, 2020     

Definitely, it's a excellent banking app!!

Jam. R. Dec 1, 2020     

All of a sudden I cant log in after update

My. T. Jan 23, 2020     

Used to work, now the update will not download. So one star as I can no longer use it