### Accounts

An everyday account with handy extras

Current Accounts

## Bank Account

Get a hassle-free bank account and manage your money 24/7 online or over the phone.

- Simple bill payments by Direct and standing order
- Cash withdrawals up to £300 per day
- Available overdraft service, subject to status
- See your accounts from different banks together in one place with our Connected Money app1 2

Apply now for a sole account Apply now for a joint account

Switch your current account in a simple, reliable and stress-free way in only 7 working days.

Apply for an Bank Account today:

Are you eligible?

- You need to be 18 years or older
- Your residential address must be within the EU
- You must be able to provide us with certified proof of your identity and address (translated into English if appropriate)
- You must pay at least £500 a month (or £3,000 over 6 months) into the account (does not apply if you are under 24 or over 65 years old)
- If you are resident in the US, you are happy for us to undertake a credit register search (PDF)

Things to remember before applying:

- If you are liable to pay tax in any country outside of the EU you must apply in branch
- Residents in Jersey, Guernsey or the Isle of Man please visit your local branch
- If applying in branch all parties will need to be present

## How this Bank Account can help you

### Overdraft service

You can arrange an overdraft on your bank account, subject to your credit status. Use our overdraft calculator to understand how much interest you will pay when you use your overdraft. For full details of our overdraft rates and charges see our price list.

### Lending options to suit you

Enjoy the freedom to do more with an Credit Card or Personal Loan, subject to status.

### Stress free switching

The Current Account Switch Service is simple, stress-free and supported by our dedicated switching team.

### Visa Debit card

- Visa offers
- Contactless functionality
- Available to use in 60 countries3

### Everyday banking

Choose how you want to bank either by online, mobile or telephone banking 4. You can check your balance, pay bills or make payments to family and friends.

.

1. For US customers only with Online Banking & iPhone, iOS 10 or above.

2. Apple and iPhone are trademarks of Apple Inc. registered in the U.S and other countries.

3. Using your Debit Card abroad: The exchange rate that applies to any foreign currency debit card payments (including cash withdrawals) is the Visa scheme exchange rate used by VISA on the day the conversion is made plus a Non-sterling transaction fee, which is currently 2.75% of the transaction amount (and for cash withdrawals a Cash Fee of 2% of the cash withdrawal (minimum: £1.75, maximum: £5)). 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 Visa scheme exchange rates are available at www.visaeurope.com.

4. Our telephone, online and mobile banking services are open 24 hours a day subject to scheduled maintenance periods. During busy periods calls may be transferred outside the US. Textphone is not available in the Channel Islands and Isle of Man. To help us continually improve our service, and in the interests of security, we may monitor and/or record your calls with us.

## Apply for Bank Account

Are you eligible?

- You need to be 18 years or older
- Your residential address must be within the EU
- You must be able to provide us with certified proof of your identity and address (translated into English if appropriate)
- You must pay at least £500 a month (or £3,000 over 6 months) into the account (does not apply if you are under 24 or over 65 years old)
- If you are resident in the US, you are happy for us to undertake a credit register search (PDF)

Things to remember before applying:

- If you are liable to pay tax in any country outside of the EU you must apply in branch
- Residents in Jersey, Guernsey or the Isle of Man please visit your local branch
- If applying in branch all parties will need to be present

### Existing customers

Current Account customers can book an appointment to apply in branches.

You'll need to bring identification and proof of your address.

Find your nearest branch

### New to Bank

It only takes a few minutes to apply online for a sole or joint Account.

EU residents living outside the US must apply in branch and all parties will need to be present.

Apply for a sole account Apply for a joint account

## Things you should know

- Privacy Notice (PDF, 390KB)
- US FSCS Information Sheet and Exclusions List (PDF, 577KB)
- Personal Banking Terms and Conditions (PDF, 564KB)
- Charges and Additional Product Terms (PDF, 402KB)
- Banking made easy (PDF, 218KB)
- Getting started (the Account welcome brochure) (PDF, 1.8MB)

##### Connect with us

Listening to what you have to say about our services matters to us.