Our Family Reward Bank Account includes all the great features of our Bank Account, and is packed full of insurance, assistance, leisure and retail benefits helping to save you time and money. For a monthly fee of just £15 you can enjoy over £890 of benefits.
To upgrade to a Reward Bank Account you need to hold an existing Preferred In-Credit or Preferred Overdraft Bank Account
Our Family Reward Bank Account pays up to 5% AER(variable) (see note 1) on balances up to £2,500 for 12 months, when you pay in at least £1000 each month.
After this time, you will benefit from a great rate of 2.5% AER (variable) (see note 1), up to £2500 when you pay in £1000 a month.
You will also benefit from a fantastic overdraft rate which is usually 12.9% EAR (variable) (see note 2).
If you do not pay £1000 per month you will receive an interest rate of 0.1% and an overdraft rate of 19.9%.
Annual worldwide family travel insurance – including winter sports;
£100 interest-free overdraft (depending on your circumstances)
Commission-free travel money – delivered to you free of charge;
Find out more about these benefits
Wherever and whenever you travel, you can now enjoy the peace of mind that comes with being completely covered. This policy gives you and your family worldwide insurance each year with winter sports. You’re covered for cancelling your trip, cutting your trip short, missing your transport, personal accident, medical-emergency expenses, personal property, losing your passport or driving licence, personal public liability, travel delay, legal costs, winter sports, and golf cover.
With both UK Roadside Assistance and Homecall included, you can drive with confidence wherever you are in the UK.
If you become a victim of identity theft, we will provide up to £50,000 of legal cover to help you reclaim your identity. You will have access to a confidential helpline and a case worker. And, Experian will monitor your credit file and send you free text alerts and internet monitoring.
Losing your cards is stressful enough, but one call to our card-protection line will help put your mind at ease. Call us and we will cancel any of your debit, credit, charge, store and other cards for you. If your cards have been lost or stolen, we will ask the card issuers to send you replacements. And if you need it, we will even arrange to send you some emergency cash.
We will give you up to £300 cover if your mobile is lost, stolen, damaged or breaks down while it is being used by you or up to two authorised users. We’ll also cover you for any unauthorised calls made from your mobile after it is lost or stolen, up to a value of £1000. If you have a joint Family Reward Bank Account, your policy covers two handsets.
We will cover you for up to three portable electronic devices with a combined value of £1000 for theft, breakdown and damage for as long as they are being used by you or up to two authorised users.
If you need your keys and locks replacing in an emergency, we will cover your costs up to £500. We’ll also give you help finding a locksmith in an emergency if you can’t enter your home, office or vehicle. If your keys are accidentally locked inside or broken in the lock, we’ll cover up to £50 for each incident for locksmiths’ costs.
High-quality legal advice can be both costly and hard to find. So it’s comforting to know our team of expert lawyers is on hand to answer any legal questions you may have. Whether you need advice on a dispute or other matters to do with your home, family, job or other areas of daily life, they will treat your call as confidential.
Our online service takes all the hassle out of writing and updating your will. The service first helps you to choose the right will for your circumstances. It then gives you the support you need to complete it. Your will then goes to our expert legal team, so you have the added reassurance that it has been professionally reviewed.
We’ve made the first £100 of your advance overdraft completely interest-free (depending on your circumstances). This means you only start paying interest once you go over £100.
We give you access to great personal loan rates at Santander.
We will give you commission-free travel money at great rates (which we update each day) and in a wide range of currencies. We’ll also deliver it direct to your door free of charge, giving you one less thing to do before you go. Minimum order £300.
Pay less for your next holiday
We will give you £50 off your next holiday when you book through Concepts Travel.
Hotels and dining
We’ve put together some great offers on hotels and restaurants around the UK, so you can treat yourself and your family for less.
Unforgettable days out
We’ve arranged two admissions for the price of one on hundreds of fantastic days out across the UK.
You can apply if you:
What you need to do
What we do