Current Account FAQs

Apply / Switch

What information do I need to open a current account?

What happens to any debit card transactions that I have asked my old bank to stop?

Which foreign currency accounts do you offer?

Does it matter who is the first named person on the account?

A payment was accidentally sent to my old current account - what happens now?

What joint accounts do you offer?

Where can I find the Credit Redirection Notification form?

If I switch my current account to you, will you advise me which Direct Debits and standing orders are being transferred?

I'm under 18, what identification documents can I provide to open an account?

Will switching my current account affect my credit rating?

What is a joint account and how do I apply?

What happens if I make any amendments to my payments on my old account?

What will happen with continuous card payments/recurring transactions when switching?

Do both joint account holders receive a contactless card?

How long does the switching process take?

When using the Current Account Switch Service, when will the money in my old account be transferred to my new account?

Can I apply for a current account online?

Manage account

Added security when making payments online

Will all account holders be able to see transactional information on the account?

How do I order a chequebook for my account and how long does it take to arrive?

Can my partner be added to my account if they have just moved to this country?

Can I access my joint account from your mobile app?

How do I apply for tax-free interest on my account if I do not normally live in the United Kingdom?

Can the balance in a joint account be accessed by all account holders?

How do I add or remove a joint account holder?

Is there a monthly fee for your current accounts?

How do I transfer from a sole account to a joint account?

Can we manage our joint account online or via the mobile app?

What should I do if I’ve not received goods or services that I ordered?

How do I make a complaint?

Packaged accounts

How to make a claim

If I have an Everyday Extra current account, can I turn it in to a joint account?

What is the eligibility criteria for the Everyday Extra current account?

What additional benefits packages can I choose with my Privilege and Privilege Premier account?

How do I register my Privilege and Privilege Premier current account additional benefits?

Can I upgrade my Privilege/Privilege Premier account into an Everyday Extra current account?

I have a sole current account, but would like a joint Everyday Extra current account

Can I open an Everyday Extra current account if I don't already have another account with you?

How much is the monthly subscription fee for the Everyday Extra current account?

What features do I get with a Privilege Premier current account?

I have several accounts, which one should I upgrade to the Everyday Extra current account?

What are the features of the Everyday Extra current account?

Can I downgrade my Everyday Extra current account at any time?

What are my next step in applying for an Everyday Extra, if I have been told I need to declare a pre-existing medical condition?

What does the myRAC app offer members who have RAC Breakdown cover?

Overdrafts

Why are you sending me overdraft text alerts?

Will I receive overdraft text alerts if I have Power of Attorney?

Will I receive overdraft text alerts for all my accounts?

What overdraft do I get with my Student Current Account?

Will I be charged for having an overdraft?

What are overdraft text alerts?

What is the overdraft charges cap?

What is an unarranged overdraft?

How often will I receive overdraft text alerts?

What happens if I go over my overdraft limit?

Are overdraft text alerts secure?

What's an arranged overdraft?

Can I opt back into receiving overdraft text alerts if I have opted out?

I have received an overdraft text alert, how do I know what scheduled payment(s) it is referring to?

How do I opt into receiving overdraft text alerts?

I have received an overdraft text alert, what charges could I incur?

When will you send me overdraft text alerts?

I have received an overdraft text alert, how can I pay in?

Can I opt out of receiving overdraft text alerts?

I have received an overdraft text alert but I can't pay in by the time it tells me to, what will happen?

What is an overdraft?

Statements and transactions

Can I request Payment Transaction History on a closed account?

How will I receive my current account bank statements?