In most cases, yes, expats do need a UK address to open a traditional bank account, as banks are required to verify where customers live. For expats, this can be one of the first practical challenges after arrival. Expats in the UK are usually asked to provide proof of address, such as a tenancy agreement, utility bill, council tax letter, or an official letter from an employer. However, some digital or international banks offer more flexibility and may allow expats to open an account with limited or temporary address information. Expats in the UK sometimes start with a basic or online account and switch to a high-street bank once they have settled housing. Requirements vary between banks, so expats are advised to check policies in advance and prepare documents before applying. Having a UK address makes the process easier, but alternative options can help expats manage finances during the initial settling-in period.