*FlexDirect offers a 12 month interest free promotion for first 12 months from account opening. If you have previously held a FlexDirect account and benefitted from the introductory promotion of 5% AER and interest-free overdraft, you will not be entitled to this rate again, unless you are opening a FlexDirect account in joint names and you haven’t previously held a FlexDirect account in those joint names.
** An arranged overdraft is only available on FlexOne if you are over 18 years old.