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Personal Banking

Money that behaves predictably

One account for salary, spending, saving and travel. The rate you see is the rate you get, and the fee schedule fits on a single card.

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Nordhaven BankVirtual

•••• •••• •••• 8302

J. MERCER12/29
Monthly fee
£0
Savings AER
4.65%
FX markup
0.28%
Support wait
84s

Everyday

A current account that stays out of the way

Salary in, bills out, and a running view of what is genuinely yours to spend once committed payments are accounted for.

  • Safe-to-spend, calculated honestly

    Your balance minus every standing order, direct debit and card authorisation due before your next pay date.

  • Instant recall on every payment

    Sixty seconds to undo a mistyped amount or a wrong payee, free and unlimited.

  • Bills, grouped and forecast

    Recurring payments are detected automatically and projected forward twelve months.

  • Statements that read like English

    Merchant names, logos and locations resolved properly — no six-character acronyms.

Current account at a glance

Monthly fee
£0
Overdraft, arranged
19.9% EAR variable
Overdraft, unarranged
Not offered
ATM abroad
£0 up to £600/mo
Card replacement
£0
Paper statement
£0

Representative example: £1,200 arranged overdraft at 19.9% EAR variable.

Saving

Interest that does not quietly decay

Introductory rates that collapse after twelve months are a tax on trust. We publish one rate, pay it monthly, and give sixty days' notice of any change.

Instant Access

4.65% AER

No notice, no limit on withdrawals, interest paid monthly.

Savings detail

90-Day Notice

5.10% AER

Higher rate in exchange for ninety days' notice on withdrawal.

Savings detail

Fixed 12-Month

5.35% AER

Locked for a year, with the rate guaranteed in writing at opening.

Savings detail

Switching

Moving your banking takes an afternoon, not a month

We run the Current Account Switch Service end to end. Direct debits, standing orders and salary follow automatically, and anything paid to your old account is redirected for three years.

  1. 1

    Open your Nordhaven account

    Six minutes on your phone with photo ID and a selfie.

  2. 2

    Pick a switch date

    Any working day from seven days out. You choose, not us.

  3. 3

    We move everything

    Payments, salary and balance transfer on your chosen date.

  4. 4

    Old account closes

    Automatically, with redirection running for three years.

FAQs

Questions, answered plainly

Next step

Bring your everyday banking over

Full switch in seven days, with payment redirection running for three years afterwards.

Open an accountRead the FAQs