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This is a guide to the best basic bank accounts for people with poor credit who can't get (or don't want) standard bank accounts.As long as you have basic ID, you should be able to get one with a debit card, and the ability to pay direct debits.However, it's still wise to know exactly what money you have in the account, and to manage it carefully as while the bank account won't charge you for unpaid direct debits, for example, you could still get charges from the company that hasn't been paid.Ten banking groups offer these fee-free accounts: Barclays, the Co-operative Bank, HSBC, Lloyds Banking Group (Bank of Scotland, Halifax and Lloyds), Clydesdale Bank and Yorkshire Bank, Nationwide, RBS Group (Nat West, Royal Bank of Scotland and Ulster Bank), Santander, TSB and Virgin Money.

For more on this see our Basic bank account fees news story.

On Mac models without built-in Touch ID, you can complete your purchase using Apple Pay on your eligible i Phone or Apple Watch: On your i Phone, go to Settings Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement.

Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. Other company and product names may be trademarks of their respective owners.

And you can make payments to participating businesses in Business Chat on your i Phone, i Pad, or i Pod touch.

In certain countries and regions, you can also add store cards, boarding passes, movie tickets, coupons, rewards cards, and student ID cards to Wallet. To add a card to Apple Pay, you need a Mac model with Touch ID.

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