does anyone know of any banks that give savings accounts to people with bad credit. i struggled to get a current account and dont want to apply for accounts willy nilly and screw up my new credit rating.

its just that when i apply online it always asks, do i allow them to do a credit check, which i know i wont pass.

Some of ther building societies do not perform credit checks, only electoral role checks. This is due to the accounts being classed as savings accounts, as aposed to current accounts (where you can opt for credit facilities.)

It's my understanding that ALL banks perform credit checks.

Try the Coop instant access account - you can open it online and they do an electronic check to verify your address and ID.

Maryanne