Yes, if you have a bank account open with a lender, then this will give you a credit rating with that lender. To get the best possible rating, your account must:
Never be overdrawn.
Always have a healthy balance (i.e. not running out of money prior to payday).
Few ATM withdrawals from pubs and clubs.
Be open for at least 6 months.
Generally have an increasing balance.
The information about how you use your bank account is combined with the information on your credit file to create your credit rating for your loan application.