Personal Account
A single account, a named contact, and a view of everything in one place.
Learn more
Current Account
Day-to-day banking without the day-to-day friction.
Overview
The current account handles salary, direct debits, standing orders and card spending. It is the account you will actually use, so we have kept the mechanics conventional and put the effort into the parts that usually go wrong: payment tracing, standing-order amendment and getting a human on the phone.
Eligibility at a glance
- Aged 18 or over
- UK residency or a demonstrable UK connection
- Identity and address verification
- Overdraft facilities are subject to separate assessment and affordability checks
What you get
The detail that matters.
Faster Payments and SEPA
Domestic transfers arrive in seconds; euro payments settle same-day within SEPA.
International transfers
SWIFT payments with the correspondent charges quoted before you confirm, not deducted afterward.
Standing orders and direct debits
Amendable through the portal or by a single secure message.
Overdraft on application
Arranged rather than automatic, priced to your circumstances and reviewed annually.
Questions
Answers before you ask.
Do you charge for international payments?
Yes, and we quote the total before you confirm — our fee and the expected correspondent deduction, separately.
Can I have a joint account?
Yes. Both parties complete identity verification and both have full access unless you specifically ask for a mandate requiring two signatures.
Also relevant
Ready to talk about current account?
Apply online in about ten minutes, or speak to a specialist first.
