Personal current account

How can I apply for a current account?

To start your application, please download the MyGuava app from App Store or Google store.

What are the features of the current account?

MyGuava offers a 100% free-to-open current account with no hidden fees and no penalty fees. There are loads of great new features to our current account:

• Apple Pay & Google Pay.

• Setting your PIN in-app and much more!

How can I add money to my current account?

You can add money instantly from the MyGuava app:

• Open your MyGuava app and tap ‘Top Up’ below your balance.

• Here you can choose either of options:

If you choose:

- From the other card.

And Type in credentials of the card

If you chose:

- From the other bank (Open Banking)

• Choose your bank and enter the desired amount.

• The MyGuava app will automatically take you to the bank's app. Tap ‘Continue’ to approve the payment or ‘Cancel’ if you’ve changed your mind.

• You’ve just added money to your MyGuava account!

We use the Faster Payments network so payments usually arrive instantly (sometimes this can take up to 2 hours).

What other ways can I add money?

Alternatively, you can use your MyGuava account details (sort code and account number) to make a transfer from another bank account.

Can I have more than one current account?

You can open one account per each currently available currency. For example: GBP, EUR, Swiss Franc and more coming soon.

Current account eligibility criteria.

To apply for a current account, you need to be over 18 years old and a UK resident. When you apply for a current account with us, we use the information you provide us as well as the information from credit reference agencies and fraud prevention services. We use this information to assess your application and make a decision on whether we can offer you an account or not.

Сan I make an international payment?

Yes, the app is completely free. But in the future some extra services can be connected via tariffs.

What are the current account limits?

Your current account comes with a range of spending limits. You can view them directly in the app by:

• Open your MyGuava app.

• Tap the 'Profile' tab at the bottom.

• Tap 'Account limits'.

Daily Card Limits Within the UK Outside the UK
ATM withdrawal £300 £300
Point of Sale (POS) £10,000 £10,000
Payment Limits Single Transaction Cumulative Limits
Contactless £100 £300
Faster Payments £10,000 n/a
Single transaction £10,000 n/a

Using my account

How can I update my details?

To update your personal details (such as your email address or phone number) you click on profile icon and choose whichever detail you want to change.

Where’s my sort code and account number?

You can find your sort code and account number in-app:

• Open your MyGuava app and tap any ‘Account’ you have

• Tap 4 dots

• Choose 'Account details'

• And here you can choose "International" and "Local details"

Do you provide bank statements?

Current account bank statements.

• Open your MyGuava app and tap any 'Account' you have

• Tap 4 dots

• Tap 'Statements' , choose 'dates range' and email where you want it to be sent

MyGuava app support

I've forgotten my password.

My phone is lost or damaged.

If your phone is lost, please contact the Customer Support team as soon as you can.

If your phone is damaged and the MyGuava app doesn’t appear to be working, please keep in mind that you can always install it on another device. Remember that you can be logged into one device at a time.

What are One Time Passwords and how do they work?

One Time Passwords (OTP) are temporary PIN codes sent to you via SMS or e-mail. They’re typically valid only for one session or action. At MyGuava, we use them mainly for verifying your login activity.

We're able to issue an OTP to a non-UK number, for details on how to update your personal details, please see our related article.

Remember! Don’t share your OTP with anyone, even with us – we’ll never ask you to send us your password or sensitive details.

Not received your One Time Password?

If you didn’t receive your password via SMS on the first try, please tap the 'Resend the code' option.

If you still haven’t received your code, please ensure you’re on the latest version of the MyGuava app and double-check that you’ve got sufficient reception and your phone number has been entered correctly.

If you’re still having trouble receiving an OTP, please contact our Customer Support team at or chat with us and we’ll take it from there.


How can I activate my card?

• Open your MyGuava app.

• Head to the ‘Activate my card’ tab on your home page.

• Tap the ‘Activate’ prompt at the bottom of the screen.

• Confirm if you personally received your MyGuava card physically.

• Don’t forget to sign the back of your card.

Remember that you can view your PIN in the MyGuava app by tapping the card icon from the 'Home' page.


How can I send a payment?

Sending payments with your MyGuava account is simple. All you need is the bank details of the person you're looking to pay.

To send a payment, follow the steps below:

• Open the ‘MyGuava’ app tap 'Send ↗' from the 'Home' page.

• Select the payee under ‘People’ or create a new contact.

• Enter the amount.

• Confirm the name matches.

• Follow the in-app prompts to complete your payment.

Transfers made by Faster Payment are usually made instantly, but please note that it may take up to 2 hours to complete.

Please note: We may review a payment request and ask for further information before we process your payment. We'll also request additional information if your payment request exceeds £10,000.

If you'd like us to cancel a payment in review, please get in touch with our Customer Support team.

I've made an error when sending a payment, what can I do?

Payment sent to the wrong account or if you've sent an incorrect amount

If the recipient is an existing payee and you're able to contact them - we'd recommend asking them to return the funds; this is usually the easiest and most efficient way to retrieve the funds.

However, if you don’t know the recipient or you're unable to contact them, please get in touch with our Customer Support team.

If you make a genuine mistake when sending a payment, we’ll attempt to recover the funds on your behalf.

Why haven’t I received my bank transfer?

We use the Faster Payments network to send and receive payments. This means that payments sent from most UK banks should arrive in your account instantly, but can take up to 2 hours.

If you've been sent a payment and it's been longer than 2 hours, we'd recommend contacting the sender or the sending bank so they can trace the payment for you.

If we can’t accept the payment, we’ll return the payment to the sender's bank account. It can take up to 5 working days for the payment to return to that account.

Can I use my account for international payments?

To send an international payment, follow the steps below:

• Open the ‘MyGuava’ app tap 'Send ↗' from the 'Home' page.

• Select the payee under or create a new contact.

• Enter the amount.

• Confirm the name matches.

• Follow the in-app prompts to complete your payment.

Still have question?

Please chat with our support