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Key product information

 

The essentials

Cash withdrawals
With this account you will be given a Visa Debit Card. Use your Debit Card to withdraw money from any ATM in the UK1 - up to £300 a day. Get up to £100 cashback at outlets nationwide when you pay with your Debit Card. You can also use your Debit Card to withdraw local currency at cash machines worldwide and pay for goods and services worldwide wherever you see the VISA logo. Foreign exchange charge of 2.75% of the exchange rate will apply on conversion, plus an ATM transaction fee - currently 2% (minimum £1.75, maximum £5.00).2 Before you travel, please tell us you will be using your cards abroad using Internet Banking and ensure we hold your up to date contact details, including a mobile telephone number if available.

With this account there is no overdraft facility available and cash withdrawals cannot be made at branch counters.


Internet Banking
With Personal Internet Banking you can check your balance, see your statements and pay your bills and much more. To see how it works, watch our interactive demo. Internet Banking facilities are available 24/7 subject to planned maintenance periods. More on Internet Banking.

It's also now easier to log on to your internet banking from an iPhone™ or Android™ phone with our Mobile View service.


Telephone banking
Get a balance enquiry, make credit card payments, obtain transaction details and transfer cash between accounts at any time, day or night, with our automated service. And if you have a query, our Customer Service Representatives are available on 08457 404 404 from 8am to 10pm every day. Calls may be monitored and/or recorded.


Easy payments
Make it easy to manage your money by setting up Direct Debits or standing orders so your bills are paid automatically. Plus you can make one-off payments to friends and family, either online or over the phone.
 

The additional services

Help with your finances
We can give you tips on making the most of your money. And if you're having trouble paying your bills, we can help you work out what to do. More on help with your finances.

Are you eligible for our Basic Bank Account?
Check the full details

How to apply

1 Cash machines: Some cash machine owners in the UK may charge you for withdrawals. This will be shown on screen with an option to cancel the withdrawal if you want.


2 Using your Debit Card abroad: The exchange rate that applies to any foreign currency Debit Card payments (including cash withdrawals) is the wholesale market rate used by VISA applying on the day the conversion is made plus our foreign exchange charge, which is currently 2.75% of the applicable VISA wholesale rate. We will make the conversion and deduct the payment from your account once we receive details of the payment from VISA, at the latest the next working day. Details of the current wholesale market rates can be obtained by calling us on the usual telephone numbers, set out in the table before Section 1 of the General Terms. There is no transaction fee for using your Debit Card to pay for goods and services abroad in shops or restaurants.

Do you have a question?





Sorry, our 'Virtual assistant' only works if you have javascript enabled. If you have a question for us and can't view this tool, please call us on 08457 404 404. Lines are open 8am to 10pm everyday.

Calls may be monitored or recorded for quality and training purposes.

Need to speak to us?

Give our friendly team a call on:

0800 169 5422

Contact us



Mobile (using inclusive minutes)

03457 404 404†

Calls to 0345 numbers are included within most mobile operators inclusive minutes. Please refer to your mobile network tariff for any charges.



Landline freephone


0800 169 5422†

Calls to 0800 numbers are chargeable from most mobile operators. Please refer to your mobile network tariff for any charges.

†Lines are open 8am to 10pm every day except Christmas Day, Boxing Day and New Year's Day. Calls may be monitored or recorded.

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