A free on-line banking service is available to all customers. Using the Internet Banking service the customer can:
- check their account balance;
- view their statements on screen and print them off for a permanent record;
- see their payment dates and payment amounts for their Visa account;
- set up and make a funds transfer to any bank account in the UK;
- set up and action bill payments;
- create/amend/cancel standing orders;
- cancel direct debits;
- order copy statements, copy credits, copy cheques, paying-in-books, cheque books, Post Office envelopes, pre-addressed envelopes.collapse
| Account Details | ||||
| Account Type | packaged | packaged | ||
| Card Type | Visa | A VISA debit card is issued. | ||
| Application Criteria | ||||
| Permanent UK Resident | yes | This product is only available to individuals who are permanent UK residents. | ||
| Existing Customer Only | no | This account is not available to existing customers only. | ||
| Minimum Monthly Credit | £0 | There is no minimum credited required. | ||
| Minimum Age | 18 years | The minimum age is 18 years. | ||
| Minimum Income | £0 | No minimum income required to open this account. | ||
| Minimum Investment | £0 | There is no minimum investment required. | ||
| Student Bank Account | no | This is not a student bank account. | ||
| Graduate Bank Account | no | This is not a graduate bank account. | ||
| Facilities | ||||
| Internet Banking | yes | A free on-line banking service is available to all customers. Using the Internet Banking service the customer can: - check their account balance; - view...expand | ||
| Branch Banking | yes | This account can be operated through a branch. | ||
| Telephone Banking | yes | Telephone Banking is available 24 hours a day 365 days a year. The customer can virtually do anything by phone that they can do in a branch. Telephone...expand | ||
| Mobile Banking | no | Mobile banking is not available. | ||
| Package Current Account | yes | yes | ||
| Switching Service | yes | A transfer assistance service is available. | ||
| Debit Card | yes | A VISA debit card is issued. | ||
| Maximum ATM Withdrawal | £250 | The maximum ATM withdrawal is £250.00. Can use either an Electron card or a VISA debit card. If the VISA debit card is used, a 2% (min £2)...expand | ||
| Cheque Book | yes | A cheque book is available. | ||
| Additional Information | none | There is no additional information. | ||
| Rates | ||||
| Headline Interest Rate | 0% | The headline interest rate is 0% AER. | ||
| Reward Payment | £0 | No reward payment payable. | ||
| Overdraft | ||||
| Overdraft Facility | yes | Overdraft facilities are available subject to status. | ||
| Interest Free Overdraft Limit | £200 | An automatic interest and charge free overdraft facility of £200 is available. | ||
| Overdraft Buffer Limit | £0 | There is no overdraft buffer available. | ||
| Standard Overdraft Rate | 12.9% | The annual authorised overdraft rate is 12.9% EAR. | ||
| Monthly Overdraft Charge | £0 | There is no monthly authorised overdraft administration fee. | ||
| Automatic Overdraft Facility | £200 | An automatic interest and charge free overdraft of £200 is available. | ||
| Overdraft Arrangement Fee | yes | There is an overdraft arrangement fee payable of £20 for any overdraft above the £100 interest free limit. | ||
| Unauthorised Overdraft Rate | 15.9% | The annual unauthorised overdraft rate is 15.9% EAR. | ||
| Monthly Unauthorised Overdraft Charge | £20 | The monthly servicing charge for an unauthorised overdraft is £20. Maximum £150 of informal (unauthorised) overdraft and unpaid item fees per quarter. | ||
| Fee & Charges | ||||
| Monthly Charge | £9.50 | There is a monthly subscription of £9.50 collected on the first working day of every month. | ||
| Free Banking | no | Free banking is not offered, a monthly subscription charge is made. | ||
| Transaction Charge Europe | 2.75% | There is a conversion fee of 2.75% of the transaction amount charged for transactions made in currencies other than sterling. | ||
| Transaction Charge Worldwide | 2.75% | A conversion fee of 2.75% is applied to all transactions abroad. | ||
| Debit Card Charge Europe | 0% | No fee, other than the conversion fee, is made for debit card transactions abroad. | ||
| Debit Card Charge Worldwide | 0% | No fee, other than the conversion fee, is made for debit card transactions abroad. | ||
| ATM Withdrawal Charge Europe | £2 | The ATM charge for foreign withdrawals is 2% of the withdrawal value or £2 (whichever is greater). | ||
| ATM Withdrawal Charge Worldwide | £2 | The ATM charge for foreign withdrawals is 2% of the withdrawal value or £2 (whichever is greater). | ||
| Unauthorised Transaction Fee | £20 per day | A charge of £20 per day is made for each day the unauthorised balance increases. Maximum £150 of informal (unauthorised) overdraft and unpaid item fees per quarter. | ||
| Incentives | ||||
| Cashback | £0 | This incentive is not available with this account. | ||
| Account Promotions | yes | Special rates on a linked savings account. Preferential mortgage deals. Discounted personal loan rates. Free annual worldwide family travel insurance,...expand | ||
| Credit Card | no | This incentive is not available with this account. | ||
| Life Insurance | no | This incentive is not available with this account. | ||
| Commission Free Forex | yes | Commission free travel money is available. | ||
| Mobile Phone Insurance | yes | Mobile phone insurance for up to 4 handsets available. | ||
| Entertainment Ticket Discounts | yes | Up to 20% off a large range of entertainment attractions. | ||
