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Current Account Control

Control your finances and limit unwanted charges

Find out for yourself why we are the UK's best current account provider.

We know nobody likes paying bank charges. That’s why for a Monthly Fee to Maintain The Account Of £4.00, the Current Account Control could help you avoid Unarranged Overdraft fees and interest by stopping most payments^ that would result in such fees and interest.

You get all the tools you need to run an everyday account the way that suits you best. There’s a contactless debit card,
Apple Pay and Android Pay – plus 24 hour telephone, mobile and internet banking. If you’re over 18, you can also choose to apply for an Arranged Overdraft, subject to status.

Moneyfacts Award 2018 Moneyfacts Award 2017 Current Account switch guarantee

What you get

24/7 access[1]

Telephone, mobile and internet banking.

[1]These services may be temporarily unavailable due to routine maintenance. Calls may be recorded or monitored for your security.

Prevent Unarranged Overdraft fees and interest

Along with the benefits of a regular current account, for £4.00 a month, the account aims to prevent you going into an Unarranged Overdraft and stops you from paying the Refusing A Payment Due To Lack Of Funds Fee and Unarranged Overdraft debit interest.

Overdraft

With no arrangement fee (sole applicants only, all Arranged Overdrafts are subject to status and applicants must be aged 18 or over). For more information on interest rates and charges. Written quotations available on request.

Debit card

You can pay for goods and services in person, by phone, online and outside the UK (subject to there being enough money in your account or Arranged Overdraft). Find out more about using your card outside the UK. (Additional charges may apply when using your card outside the UK.)

Up to £350 cash withdrawal a day

Use any cash machine in the UK, and cash machines abroad – 24/7. (Subject to there being enough money in your account or Arranged Overdraft. Additional charges may apply when using your card abroad.)

Pay your bills

Using telephone, mobile and internet banking. You can also set up Direct Debits and Standing Orders for your regular bills.

Important information

You should make sure you always have enough money in your account or Arranged Overdraft to cover payments such as Standing Orders or Direct Debits. These may not be paid if paying them would take your account into an Unarranged Overdraft. This may include important payments, such as insurance or your mortgage, and you may incur charges from the providers of these products.

You can check your account by mobile and telephone banking, online or at a cash machine, and you should do this regularly. You may want to look at altering the dates of your Standing Orders and Direct Debits, to ensure there's money in your account to pay them. Your local branch can help you set up the right payment options.

If you're switching from an existing Clydesdale Bank account to Current Account Control or are moving your account to us from another bank, please make sure that you have sufficient funds to cover any payments made before the account switch, that are charged to your account afterwards.

You can cancel your agreement with us within 14 days of opening your account by contacting us in branch, by phone or in writing. Please check terms and conditions for more information.

Apply in branch

Visit your local branch:

Visit us in branch and one of our advisers will guide you through the application process.

Branch Locator

^ Exceptions

There are still times when a payment can go through, even if there are not sufficient funds in the account. You'll not be charged debit interest on any Unarranged Overdraft or the Refusing A Payment Due To Lack Of Funds Fee. This could happen when:

  • Your account doesn't have enough funds (or you have exceeded your Arranged Overdraft limit should you have one), to cover the £4.00 Monthly Fee For Maintaining The Account or any interest charges
  • A retailer doesn't check if you have enough money in your account, or Arranged Overdraft if you have one, when you pay by debit card - this usually happens with smaller transactions
  • You spend money overseas and the exchange rate fluctuates between the date of the transaction and the date it's charged to your account
  • We have to take the money from your account when a cheque you paid in is refused due to a lack of funds
  • A transaction is passed to us from a retailer outside of our normal timescales for processing transactions
  • You have agreed that a retailer may charge a higher amount than originally authorised or substitute different goods after your card purchase was authorised (for example where substitute goods may have a higher price or in the case of transactions for hotels or car hire services).

Current Account Switch Guarantee

Current Account switch guarantee

We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.

  • The service is free to use and you can choose and agree your switch date with us
  • We will take care of moving all your payments going out (for example, your Direct Debits and Standing Orders) and those coming in (for example, your salary).
  • If you have money in your old account, we will transfer it to your new account on your switch date.
  • We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
  • If there are any issues in making the switch, we will contact you before your switch date.
  • Crystal Mark 20785 If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.

For more information go to www.currentaccountswitch.co.uk (opens in a new window)

What if our old bank does not use the Current Account Switch Service?

Can I still switch to you?

Not all banks or building socities in the UK offer the Current Account Switch Service (CASS). We can still help you switch your account and any regular payments to us when we are unable to use the Current Account Switch Service.

As your new bank we will take care of everything, managing the switch process from start to finish. This service is completely free; however it isn't covered by the Current Account Switch Guarantee.

Once you have opened an account with us, we will ask you to complete a simple form and then we'll contact your old bank or building society within two business days to request a list of all your regular payments and regular credits received into your account for the last 13 months. Your old bank or building society should send us this information within five business days.

Once we receive the information from your old bank or building society we will arrange for any Standing Orders, Direct Debits and any regular credits made to your account to be transferred to your new account with us within five business days. We will contact you to agree a date to complete the switch.

The Payment Transfer Service

  • Our Payment Transfer Service could be the answer if you’re not eligible for the Current Account Switch Service, or don’t want to use it
  • With this service you can transfer your Direct Debits and Standing Orders from your old account to your new account over a three month period – either all on the same date or at different times
  • With the Payment Transfer Service your old account won’t be closed and we won’t tell anyone who makes payments to your old account what your new account details are
  • The Payment Transfer Service isn’t covered by the Current Account Switch Guarantee. However it’s available to all customers and for more types of current account.

Important information

Be prepared for an easy switch

Before you start
Is your address correct?

Make sure your old bank has your current address. Let them know if you’ve moved house or you’re now living in student term-time accommodation. If any of your address details are out of date, we will not be able to make the switch until you’ve updated them.

Have you changed your name?

If you’re recently married or have changed your name for any other reason, please make sure your old bank has updated your personal details.

Correct date of birth?

Check that your old bank holds your correct date of birth.

Current account?

To switch to one of our current accounts, make sure the account you’re switching from is a current account.

Time to switch

Have you got the right documents?

You will need to have the following available when you’re ready to switch:

  • A copy of a recent bank statement for your old account.
  • The debit card for your old account.
  • Your passport, driving licence or another official document with your date of birth on it.

We will also ask you for:

  • your full name, including your middle name if you have one;
  • your date of birth;
  • your nationality;
  • your current address; and
  • your old debit card expiry date and PAN number - this is the long 16-digit number on the front of your card.
Ask a question

Get in touch if you have any other questions about switching.

Call 0800 345 7365
Monday to Friday 8.00am - 8.00pm,
Saturday 9.00am - 5.00pm,
Sunday 10.00am - 5.00pm.

Prefer to talk to us?

Call us to speak to an advisor or apply for a current account by phone

0800 678 1230

Or if you're abroad / Outside UK

+44 141 952 6827

We're here
Mon-Fri – 8am-5pm
Sat – 9am-1pm
Sun – Closed

For your security calls may be monitored or recorded.

Branch locator

Find your nearest Clydesdale Bank branch, Business and Private Banking centre or ATM

Branch locator

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You can find impartial information and guidance on money matters on the “Money advice service” website.
Clydesdale Bank is covered by the Financial Services Compensation Scheme (FSCS), Find out more.