I spent 6 months in the UK where everything, from a mobile phone to utility billing, requires a direct debit, i.e., a bank account. To rent an apartment the estate agents won’t deal with you if you haven’t got a bank account. There were many impediments to opening an account: you need a visa (according to some banks) but for a six month stay (American) you don’t need a visa. Catch 22, what?
I still managed to navigate my circumstances without a bank account for 4 months. Finally HSBC declared their willingness to open an account but by then i only had two months left in the country so I passed on it.
Being an American is another hazard because of the IRS’ overzealous reporting requirements on foreign banks that allow Americans to open an account. Lots of banks will have a blanket refusal to an American passport.