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Fee Information Document - accounts on-sale Any applicable interest is calculated on a daily basis and paid into your account once a month.The annual rates of interest paid on credit balances are as follows:These accounts do not pay interest on credit balances.We don't believe in hidden charges.



We receive all your payment. Below £101 - £1.





Keep any cash (safely) you might need, as this reduces your cash processing charges.

Interest is charged on every transaction made on the card, until your balance is paid in full.



Unpaid transaction fee is £2.75, with a maximum of 1 per charging period.We won’t charge you more than £20 in a monthly charging period for an Unarranged Overdraft or any unpaid transactions.This table does not reflect any charges which a third party might charge you (for example, commission rates or ATM fees).Annual Holding Charges are applied in arrears so any withdrawal made prior to the anniversary of the deposit will incur a pro-rated amount of the annual charge. Already have a mortgage with us?





The BSB should be entered in the National Clearing Code box.Select 'Payments and transfers' from the left hand menuUnder the 'International payments' section select 'Make a Payment'If you are setting up a new international payee, select 'Get a quote for paying someone new' then select 'Next'.
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Make sure you read the terms and conditionsApp available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.You will need to set up your payee first on Digital Banking.The USA does not generally accept any payment that is not in USD and will convert if sent in Sterling. There are three main fees: A late or missed payment fee (or default charge) of £12 applies if you're more than one day late paying your monthly bill.







If an overdraft is arranged with a limit which exceeds those thresholds, you will pay arranged overdraft interest on the amount of the overdrawn balance that exceeds the relevant threshold at a rate of 2.81% per month, which is equivalent to Here's an example of the interest cost when you use a £500 arranged overdraft.Representative Example: Effective Annual Rate: 39.49% EAR (variable).








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