I lived there before. Cell phones are super easy to get and I remember being interviewed by the bank but I got an account. I'd recommend a big bank that has branches in both countries that would allow international transfers between US and UK accounts. I used to use citi bank for that. But now I would probably just get any old account and transfer money use some other service to transfer money at a flat rate. Plenty of options and technology is changing the game. Let me know if you find out a cheaper way to transfer!