Current Accounts
The account your salary lands in
Free to run, impossible to be surprised by, and built so the number on the home screen is one you can actually act on.
•••• •••• •••• 5518
- Monthly fee
- £0
- Credit interest
- 1.10% AER
- Unarranged fees
- None
- Switch time
- 7 days
Day to day
Designed around the questions you actually ask
Not 'what is my balance' but 'can I afford this'. Every screen answers the second question.
Committed spend, subtracted
Upcoming direct debits and pending authorisations are removed from your spendable figure before you see it.
Categorised without asking
Spending is grouped automatically and you can recategorise a merchant once, forever.
Salary detection
We learn your pay cycle and forecast the month ahead, flagging shortfalls a week early.
Subscription radar
Recurring charges are surfaced with their annual cost and a one-tap route to cancel.
Current account terms
- Monthly fee
- £0
- Credit interest
- 1.10% AER on balances to £5,000
- Arranged overdraft
- 19.9% EAR variable
- Unarranged overdraft
- Not offered
- Declined payment fee
- £0
- ATM, UK
- £0, unlimited
- ATM, abroad
- £0 up to £600/mo, then 2%
- Card replacement
- £0
Representative example: £1,200 arranged overdraft at 19.9% EAR variable, representative APR 19.9%.
Switching
Seven days, guaranteed, or we pay
We use the Current Account Switch Service. If anything goes wrong with a payment during or after the switch, we refund the interest and charges — that is the guarantee, not a goodwill gesture.
- 1
Apply
Six minutes with photo ID and a selfie, from your phone.
- 2
Choose your switch date
Any working day at least seven days ahead.
- 3
We move it all
Direct debits, standing orders, salary and balance.
- 4
Redirection runs 3 years
Anything sent to your old account still reaches you.
FAQs
Questions, answered plainly
Next step
Switch your current account in seven days
We handle the payments, the salary and the closing. You pick the date.