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Service fees


Interest rates


Interest Rates and Fees Information

 

 


This document shows our current interest rates and fees. If they change, we will give you details of the new rates and fees. If you have a non-standard special request, please speak with one of our advisers and they will give you our ‘Non Standard Request Service Fees’ document.


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Fair fees policy

We want to be open and fair in how we charge you for using our overdraft services. To help us do this, we work to the following principles.

  • We will take the fees from our account 22 days from the date of your statement.
  • If you plan to use an overdraft regularly on your account, it will be cheaper to arrange an Arranged Overdraft, rather than use our Unarranged Overdraft service. While we cannot guarantee to give you an Arranged Overdraft, we will always consider your application fairly and give you a decision within a reasonable time.
  • We will always be wiling to discuss your financial situation and to help find appropriate ways of dealing with any financial difficulties you may have with your current account.


The tables in the following page give some examples of our fees for making payments from your account when you haven’t enough money.

We developed these examples with the Office of Fair Trading and leading consumer groups to help you to think about how changing the way you use your account can affect the amount we may charge you.

 

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*Call Charges information

AER stands for Annual Equivalent Rate and shows what the interest rate would be if we paid interest and added it to your account each year.  The tax free rate is the rate of interest payable where interest is exempt  from income tax.  The favourable treatment of ISAs may change in the future.