Information about current account services.

The Financial Conduct Authority requires us to publish the following information about our personal current accounts.

How and when you can contact us to ask about the following things:

Note: this is a list of common queries. It does not represent the full list of queries you can raise in relation to your account.

How and when you can use your bank account to do the following things:

Note: this is a list of common queries. It does not represent the full list of queries you can raise in relation to your account.

Information about operational and security incidents.

We are obliged to notify the Financial Conduct Authority if we become aware of a major operational or security incident which prevents our customers from using our payment services.

Complaints data.

Financial Conduct Authority rules require us to provide them with a report of our complaints data every six months. In certain circumstances, we are also required to publish a summary of our complaints data.

The most recent summary is available here.

The Financial Ombudsman Service publishes its complaints data every six months. You can see their complaints data about us at http://www.ombudsman-complaints-data.org.uk/.

Open a current account with us.

Go here to find out how you can open an account, and what information and documents you need to give us to open an account.

We give customers an account number and enable them to start paying into the account:


The same day, for 76% of customers
On average, in one day; and
Within 31 days for 99% of customers


Note: These figures are based on the time taken from receiving all the information and documents we ask for, in a case where we don’t need any further information or documents to open the account.

Replacing a debit card.

We replace debit cards:


The same day, for 0% of customers
On average, in 2 days; and
Within 3 days for 99% of customers

Overdrafts.

What is the interest rate being charged on our products?

How do our overdrafts compare?

A good way to compare the cost of our overdraft with other overdrafts or other ways of borrowing is to look at the APR. The APR shows the cost of borrowing over a year.

Information about overdraft pricing in the 3 months between 1 October 2025 to 31 December 2025:

You can open a personal current account:

To open one of our personal current accounts, a new customer will need to provide us with the documents and information set out here. We may request additional information or documents in individual cases.

Note: to open one of our personal current accounts a new customer will need to provide us with the documents and information set out here. We may request additional information or documents in individual cases.