Everything we do, and what it costs.
No monthly fee on any account. The charges below are the only ones there are.
Current accounts
Everyday banking, a card, and standing orders that run themselves.
Free
Local transfers
To another account in the same country, the same day.
Free
International transfers
Sent on the rail that suits the amount and the country.
from 0.4%
Cards
A virtual card in seconds, with the limits you set.
Free
Savings
Money aside, earning, with no notice to take it back.
Free
Borrowing
Personal, auto and business lending, priced per product.
from 8.5% APR
In every account, at no charge.
Not an upgrade, not a tier — this is what an account is.
✓
A debit card
✓
A virtual card
✓
Standing orders
✓
Direct debits
✓
Same-day local transfers
✓
Receipts on every payment
✓
Freeze and unfreeze
✓
Spending limits
✓
Statements as PDF
✓
Chat with a person
✓
Switch service
✓
Deposit protection
The one thing we charge for.
Sending money abroad costs us something, so it costs you something. Here is exactly what, per rail, before you send.
Rail
Arrives
Fee
Local transfer
Same day
Free
SEPA
Next working day
Free
Faster Payments
Within 2 hours
Free
SWIFT wire
1–3 working days
0.4%
Card payout
Within 30 minutes
1.1%
The rate is the one we get, with nothing added to it. The fee and the amount that will arrive are both shown on the send screen before you confirm, and again on the receipt afterwards.
Against a high-street account.
Us
Monthly fee
Us
Free
Virtual card
Us
Free, in seconds
Freeze a card
Us
From the app, 1 second
Added to the exchange rate
Us
0%
Receipt on every payment
Us
Yes
Chat with a person
Us
Yes
High-street figures are typical of a standard current account and are shown for comparison only. Yours may differ — check your own account's terms.