We've shown you the main rates and fees that most people want to know above. For the full list of all our current interest rates and other fees and charges please download our latest interest rates and charges leaflet (This link will open in a new window) . For past rates and charges, see our current account support section.
To see what charges we make for payments in other currencies and using your card abroad, see our using your cards abroad section.
You need to be 18 or over to apply for a FlexAccount.
All rates and charges are subject to change and we may decide when to apply and waive any account charges.
What is EAR?
EAR stands for ‘Equivalent Annual Rate' which allows you to compare the rates offered by different providers. It's the cost of an overdraft stated as a yearly rate, taking into account the compounding rate of interest. We work out interest each day on any overdrawn amount and take it from your account monthly, giving you 28 days' notice of the amount. Any interest charged is added to the balance outstanding.
1 If we make a change to these charges we'll notify you 7 days in advance if the change is to your disadvantage. If the change is to your advantage we may make it immediately.
2 To be eligible for the 3 month interest free overdraft, when you open your new FlexAccount, you must switch your existing current account to us, including closing your old account and moving all your Direct Debits or standing orders. If you don’t use our Current Account Switch Team to transfer your Direct Debits or standing orders, or if you don’t have any Direct Debits or standing orders to transfer, you will not qualify for this offer. More on switching