To open a joint account - fill in the short form at the end of your application.
For more information and terms & conditions for this current account read the Current Account Getting Started Guide (PDF).
We’re making some important changes to our bank account terms and conditions. These changes will take effect from 2nd September 2016, unless stated otherwise. Please read the Guide to Changes section of the Getting Started Guide for more detail.
To qualify for the £100 switching offer (“the offer”) you must use the ‘Current Account Switch Service’ and meet the following conditions:
You are not eligible for the offer if:
If you are overdrawn by £10 or less our overdraft buffer means you won’t pay any planned or unplanned overdraft fees. Overdrafts are subject to application and approval, and are repayable on demand.
IF YOU USE A PLANNED OVERDRAFT OF £1,200, THEN WE'LL CHARGE YOU A DAILY FEE OF £1.
|If you use…||Your daily fee will be…|
|a planned overdraft up to and including £1,999.99||£1 a day|
|a planned overdraft of between £2,000 and £2,999.99||£2 a day|
|a planned overdraft of £3,000 and over||£3 a day|
|an unplanned overdraft||£5 a day or £1 a day with Control|
Control is an add-on for our Current Account costing £10 per month, which can automatically stop a transaction going ahead if it’ll take your account balance into an unplanned overdraft. For example:
This safety feature prevents any unplanned overdraft fees and keeps a limit on your spending. It’s ideal for people who often don’t have the available funds to make payments and prevents unexpected charges for unplanned borrowing.
There are some exceptions to this, which mean you could still go into an unplanned overdraft, including:
|Fee type||Current Account with Control|
|Monthly Control account fee||£10|
|Planned daily overdraft fees||
|Unplanned daily fees||£1 per day|
IF YOU USE A PLANNED OVERDRAFT OF £1,200, THEN WE’LL CHARGE YOU A DAILY FEE OF £1.
We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and hassle-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.
For more information and FAQs, please read the Account Switching Guide (PDF).