Terms and conditions apply. Download our Current Account details (PDF) to read the ins and outs.
You won’t pay any monthly account fees for having our Current Account.
See how you’re using your money with the Insights tool in our App.
Switching to us is fast and easy with the Current Account Switch Service.
Your money is safe and secure, with the Financial Services Compensation Scheme 2 .
You can apply for our Current Account if:
| Minimum balance | Monthly fees | Overdraft interest |
|---|---|---|
| None | Zero | 34% APR** |
**APR stands for Annual Percentage Rate. It shows what the interest rate would be if interest was charged and added to the amount owed once each year including any additional fees.
The following fees apply when making a debit card payment or a cash withdrawal in a foreign currency outside the UK.
| Card purchase outside UK | Cash withdrawal outside UK |
|---|---|
2.99% non-sterling transaction fee on the converted British Pound value of the transaction. This charge is applicable for each transaction you make. | 2.99% transaction fee + £1.50 non-sterling purchase fee. This charge is applicable for each withdrawal you make. |
You can apply for an arranged overdraft and we'll make a decision based on your personal circumstances. Apply in store, or by calling us on 0345 0808 500.
Arranged and unarranged overdrafts have a typical interest rate of 34% APR** (variable). Try our overdraft calculator to get an idea of the total amount you would repay.
If you don’t have the funds to cover a payment from your account, we’ll either:
We don’t charge a fee for this.
Helpful payment alerts
We’ll text you when you are close to, or have gone over, your overdraft limit. You can opt out of these messages – ask in store or call us on 0345 0808 500.
We process standing orders, Direct Debits and future dated payments in the morning. If you don’t have the funds to cover payment(s), you can top up your account and we’ll try to make the payment again at 2pm on the same day.
Maximum monthly overdraft charges
We’ll never charge you more than the monthly cap of £60 for an unarranged overdraft, of for going over your arranged overdraft limit (if you have one). If us charging you interest causes you to go overdrawn or increases your overdraft, you’ll only be charged interest on the new balance.
**APR stands for Annual Percentage Rate. It shows what the interest rate would be if interest was charged and added to the amount owed once each year, including any additional fees. We do not charge any additional fees.
