Classic Account

Features:

• No charge for everyday transactions when you’re in credit.
• A Visa debit card. You don’t always want to carry lots of cash when you’re out shopping or meeting up with friends. Instead, you can use your Visa debit card to pay directly from your account.
• Planned overdrafts. A planned overdraft can help when you need  some extra cash, e.g. if you have an unexpected bill to pay, but your salary isn’t due for a few days. Don’t worry, it’s quick and easy to apply for and set one up. Once approved you can access the money straight away. If you do slip into the red unexpectedly, we may agree to cover your payments with an unplanned overdraft. However, there are charges and interest for planned and unplanned overdrafts. Overdrafts are subject to status and repayable in full on demand.
• £10 overdraft buffer. No overdraft fees or interest to pay if you go overdrawn (either planned/unplanned) by £10 or less.
• Internet and Telephone Banking. Secure services where you can do everything from checking balances and payments to transferring money, and a whole lot more.
• Secondary current account. If you'd like another current account, the Classic Account is also available as a secondary current account if you already have one of our current accounts.

Add-ons for the Classic Account:

Vantage – interest at no extra cost

Vantage is a free addition for your current account giving you the benefit of credit interest on your current account. Vantage interest rates are tiered on balances up to £5,000 when you meet the Vantage conditions.

To get the benefit of Vantage each month you must:

• Pay into your account at least £1,000 during the calendar month;
• Keep your account in credit (that is above £0) during the monthly billing period.

Control – make it even easier to manage your money

• For £10 a month Control can help you stay on top of your finances and avoid unarranged overdraft borrowing.
• There are some exceptions to this, which mean you could still go into an unplanned overdraft, including:
  • If you've used your Visa debit card somewhere where a retailer can't check with us, like on an aeroplane.
  • If the planned overdraft limit on your account is reduced and you don't have enough money to keep within your new limit

Save the Change® - spend and save at the same time

• Sign-up to Save the Change® and every time you make a purchase with your Classic Visa debit card, we’ll round up the amount you've spent to the nearest pound and transfer the difference from your current account into your nominated savings account.