Open our everyday bank account

This bank account is free of a monthly fee. Manage your account whenever and wherever you need to with our easy-to-use mobile banking app. Pay however you like with Apple Pay, Google Pay™ or Contactless Debit Card. Limits apply. Arranged overdrafts are available too. Subject to eligibility. For more information, see our Overdraft details section below.

A simple bank account that gives you more

Our basic bank account is free from a monthly fee and can be opened online. The Select account, and all of our bank accounts, come with some little extras which can help you save, budget and take stock of your finances.

Mobile banking screen showing budgeting activity

Budget better, spend less

Spending will put your transactions in to categories, giving you a detailed view of where your money is going. Available to customers aged 16+ who hold a Personal or Premier current account.

Mobile banking screen for viewing Credit Score

Know your score

With our mobile app you can keep up to date with your credit score for free. Available to customers aged 16+ who hold a Personal or Premier current account.

Mobile banking screen for Open Banking

View your accounts with other banks

View balances and transactions on selected accounts with participating UK banks. All your money on one screen. You need to be registered for online banking with your other banks.

Overdraft details

How do overdrafts work?

An arranged overdraft can be useful for short term borrowing. Understand arranged and unarranged overdrafts and their impact on your account. An overdraft is a form of borrowing and is repayable on demand.

How overdrafts work - details

• An arranged overdraft, which allows you to go overdrawn up to an agreed limit. This is the type of overdraft you could apply for here. During your application for an arranged overdraft, we'll run a full credit check to determine how much we can offer you.
• An unarranged overdraft. This is when you spend more money than you have in your current account without already having an arranged overdraft, or when you exceed your current arranged overdraft limit.

We charge interest on both types of overdraft. Going in to an unarranged overdraft limit can lead to payments being rejected.

How much will an overdraft cost?

Understand the cost and impact of overdrafts and whether you're eligible to apply for one. If you don't repay what is owed, you could harm your credit score and borrowing capability.

How much does my overdraft cost in pounds and pence?

This account offers an Overdraft facility (subject to eligibility). You can check if you're likely to be accepted for an overdraft using our eligibility tool.

As an example, the interest cost of using a £500 arranged overdraft is:

This is a specific illustrative example representing the interest cost of using a £500 arranged overdraft over periods of 7, 30 and 60 days.

Looking to understand the costs of an overdraft of more or less than £500 over different periods of time? Use our handy cost calculator.

If you don't pay it back, it could have an impact on your credit score.

How does our overdraft compare?

A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year.

Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200.