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Opening an account takes under three minutes. Visit our website or download the Nobil Trust Bank app, select the account type you want, and complete the application. You will need a valid government-issued photo ID and proof of your current address. Most applicants receive an instant decision and can begin using their account immediately.

You will need a valid passport, driving licence, or national identity card as proof of identity. For proof of address, we accept a recent utility bill, bank statement, or official government correspondence dated within the past three months. Documents are verified digitally using your phone camera, you do not need to post originals or visit a branch.

Yes. Business current accounts can be opened online in under 10 minutes for sole traders, and typically within one business day for limited companies. You will need your Companies House registration number, details of all directors and significant shareholders, and proof of business address. Our business banking team reviews all applications during business hours.

Yes. You can hold multiple current accounts (such as an Everyday Account and a Premium Account), savings accounts, and a credit card all under one membership. All accounts are visible in a single app view so you always have a complete picture of your finances. You can open additional accounts at any time from within the app.

We support the full Current Account Switch Service. Once you have opened your Nobil Trust Bank account, you can initiate a switch from within the app. All direct debits, standing orders, and recurring payments are transferred automatically within seven working days. Your old account closes on a date of your choosing and any payments directed to it are forwarded for 36 months.

The standard daily limit for faster payments is $25,000. If you need to send a larger amount, you can request a temporary limit increase through the app (subject to verification) or contact our team who can process payments via CHAPS for same-day settlement of larger values. CHAPS carries a $25 fee per transaction and is available on business days only.

International transfers can be initiated from the Payments section of the app. You will need the recipient's IBAN and BIC/SWIFT code, along with the recipient bank's full name and address. International payments are processed via SWIFT and typically arrive within one to three business days, depending on the destination country and currency. Exchange rates and fees are displayed clearly before you confirm.

Payments can occasionally be delayed by our automated fraud prevention systems if a transaction appears unusual based on your typical banking pattern. If a payment has been held, you will receive an in-app notification asking you to confirm the transaction. For returned payments, the most common causes are incorrect sort code or account number details, please verify the recipient's details and retry.

Yes. Standing orders can be set up, amended, or cancelled at any time from the Payments section of the app. Direct debits are set up by the company you authorise to collect, and you can view, amend or cancel any active direct debit from your account. The Direct Debit Guarantee protects you against any incorrect or unauthorised collections.

Freeze your card immediately from the Cards section of the app, this prevents any further transactions without cancelling your card permanently. Then report the loss through the app or by calling our 24/7 card services line. We will cancel your card and issue a replacement, which arrives within 5 business days. Contactless payments on your digital wallet will be disabled automatically when you freeze your physical card.

Tap 'Cards' in the app, select the card you want to manage, and toggle 'Freeze card'. Freezing takes effect immediately and prevents all point-of-sale, online, and ATM transactions. Recurring payments and direct debits on your account are not affected by a card freeze. Unfreeze at any time by toggling the same switch, the card is immediately active again.

The standard daily ATM withdrawal limit is $500. This can be adjusted up to $1,000 per day through the app for up to 7 days at a time. Withdrawals from Nobil Trust Bank-network ATMs are always free. Non-network ATM withdrawals within the country carry a $1.50 fee. International ATM withdrawals are fee-free on Premium accounts and carry a 2% fee (minimum $2) on standard accounts.

Your card is accepted worldwide wherever Mastercard is accepted. Exchange rates use the Mastercard network rate, this is competitive and is shown to you in the app before you travel. Non-sterling transactions on standard accounts carry a 2.9% non-sterling transaction fee. Premium account holders pay no non-sterling transaction fees worldwide. We recommend notifying us of travel through the app so our fraud systems do not flag your card.

We do not publish a minimum credit score threshold because our assessment considers a much broader picture of your financial circumstances, including income, existing commitments, employment stability, and account history. We actively consider applications from people who have had financial difficulties in the past, provided they can demonstrate affordability. Checking your eligibility with a soft search has no impact on your credit file.

Our representative APR for personal loans is 5.9%. The rate you are personally offered depends on your credit assessment, the amount you borrow, and your chosen term. At least 51% of applicants who are approved receive the representative APR or better. Your personalised rate is shown before you formally apply, using a soft credit search that does not affect your credit file.

Mortgage funds are released on your chosen completion date, which is agreed as part of the conveyancing process. We issue the mortgage offer typically within 5 to 10 business days of receiving a complete application with all supporting documentation. Once a mortgage offer is accepted, completion can usually be arranged within 4 to 8 weeks, depending on the legal process with your solicitor.

Most Nobil Trust Bank mortgage products allow overpayments of up to 10% of the outstanding balance per calendar year without any early repayment charge. Overpayments above this threshold during a fixed rate period may attract an early repayment charge, please refer to your mortgage offer document for the specific terms applicable to your product.

Freeze your card immediately using the app and call our 24/7 fraud line. Do not attempt to reverse the payment yourself. Our fraud team will review all recent transactions, block your card, and issue a replacement. In most cases where fraud is confirmed, we will refund the disputed amount within 5 business days. You can also report suspected fraud directly through the app under Security settings.

Two-factor authentication (2FA) is mandatory on all Nobil Trust Bank accounts. By default it uses your registered mobile number. You can switch to an authenticator app (such as Google Authenticator) for added security by going to Profile, then Security, then Two-Factor Authentication in the app. We recommend using an authenticator app rather than SMS for maximum protection against SIM-swap fraud.

Nobil Trust Bank will never ask you to share your full password, PIN, or one-time passcode by phone, email, or text message. We will never ask you to transfer money to a 'safe account'. If you receive any communication asking for these things, do not respond, do not click any links, and call our fraud line directly using the number on the back of your card. Forward suspicious emails to our security team for investigation.

Yes. Your eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to $85,000 per person, or $170,000 for joint accounts. In the highly unlikely event of our failure, the FSCS would repay eligible depositors within 20 business days. More information about FSCS protection is available at www.fscs.org.uk.