Accounts built for real life

To open a current account with us you must be 18 or over and a resident in our service area. The Student Account is available to those aged 17 and over enrolled in full-time higher education. You will need a valid government-issued photo ID and proof of address.

You will need a valid government-issued photo ID such as a passport, national identity card or driving licence. You will also need proof of address dated within the last three months, such as a utility bill, council tax letter or bank statement. Everything can be uploaded digitally during the application.

Most applications take less than ten minutes to complete online. The majority receive an instant decision. Once approved, you will have access to your account number immediately and can start receiving payments. Your debit card will arrive by post within five working days.

An arranged overdraft lets you borrow up to an agreed limit when your account balance falls below zero. Interest is charged daily only on the amount you actually use. The Student Account includes an interest-free overdraft of up to $2,000 for the duration of your studies. Unarranged overdraft charges may apply if you exceed your agreed limit. All overdrafts are subject to eligibility and credit assessment.

Yes. We support the standard current account switching process. Once your new account is open, we will move across all your direct debits, standing orders and recurring payments within seven working days. Your salary will be redirected automatically and any misdirected payments will be forwarded for 36 months. Your old account is closed automatically on the completion date.

No. Our Everyday and Student accounts have absolutely no minimum balance requirement. The Select Account requires a qualifying monthly balance to retain premium benefits, but there is no penalty if you fall below this in any given month, you simply revert to standard account features for that period.

Yes. Joint accounts are available on the Everyday and Select accounts. Both account holders share full access and equal responsibility for the account, including any arranged overdraft. You can apply for a joint account online or by visiting a branch with your co-applicant.