Below are the fees that apply for using the main services linked to the account.
Each account comes with features including; online banking, mobile app, cashback rewards and a free contactless Mastercard® debit card.
Please visit our pricing page or see our Terms and Conditions to view all the costs associated with our accounts.
This table will help you compare our fees with those of other accounts. Other fees not listed below may also apply for your use of the services:
| Essential | Premium | Premium Plus | |
| Card Activation and Periodic Fees | |||
| Card Monthly Management Fee* | Free | £4.97 | £9.97 |
| Additional Cardholder Card (not currently available) | £5.00 | £5.00 | £5.00 |
| Card Loading Fees | |||
| Card Loading by Bank Transfer | £1.25 | Free | Free |
| Card Loading by Cash (PayPoint) | £2.00 (+1.5%) | £1.00 (+1.5%) | £0.80 (+1.5%) |
| ATM transactions | |||
| ATM Domestic Withdrawal | £1.50 | £1.25 |
£1.25 (4 free per month) |
| ATM International Withdrawal | £2.50 | £2.50 |
£2.50 (4 free per month) |
| ATM Balance Inquiry | £0.50 | £0.24 | £ 0.24 |
| Point of Sale (POS) Transactions | |||
| POS International Transaction | £1.97 | £1.97 | £1.97 |
| Other Transactions | |||
| Faster Payments (Out) | £1.49 | £1.09 | £0.99 |
| Direct Debit Collection | £2.00 | £0.60 | £0.50 |
| Unpaid Direct Debit | £5.00 | £5.00 | £0.50 |
| Administrative Transactions | |||
|
Card replacement fee Lost and Stolen |
£5.00 | £5.00 | £5.00 |
| Miscellaneous Fees | |||
| FX Fee POS International | 2.57% | 2.57% | 2.57% |
| FX Fee ATM International | 2.57% | 2.57% | 2.57% |
* The Card Monthly Management Fee is first charged one month following your first credit to your account.
Your Monthly Fee will be charged on the same date in each month and that date will be the same as the
date on which you made your first credit. The exception to this will be accounts where the first credit is
made on the 28th, 29th, 30th or 31st of a month, which shall all have a Monthly Fee date of the 28th of
the month.
If, during the month in which your Monthly Fee would normally become chargeable, there is no transaction (no top-ups, no incoming or outgoing payments) on your account, we will charge you a reduced fee as follows:
If your account is £1.00 or more in credit the fee will be reduced to £1.00.
If your account is less than £1.00 in credit the fee will be reduced to £0.20.
The original Card Monthly Management Fee will re-apply again as normal if transactions are made on
your account.