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Other fees and charges

Private banking

You can also download your account tariff:

Overdraft terms

Daily Unarranged Overdraft Fee £6.00 per business day

This fee will be charged for each business day that you end the day in an Unarranged Overdraft by more than the £100.00 Unarranged Overdraft buffer amount (unless that position was created by us adding fees or interest).

Fee cap £100.00 per calendar month

We have a monthly fee cap of £100.00 per calendar month. This cap means that you’ll never pay more than £100.00 per calendar month in Daily Unarranged Overdraft and Refusing A Payment Due to Lack of Funds Fee. The cap does not apply to debit interest which is charged at the rate shown in the tariff.

Monthly Cap on Unarranged Overdraft Charges (also known as Monthly Maximum Charge)

We have a Monthly Cap on Unarranged Overdraft Charges. This means you'll never pay more than £100 per month in Daily Unarranged Overdraft and/or Refusing A Payment Due to Lack of Funds Fees.

1. Each current account will set a monthly maximum charge for:

  1. going overdrawn when you have not arranged an overdraft; or
  2. going over/past your Arranged Overdraft limit (if you have one).

 

2. This cap covers any:

  1. interest and fees for going over/past your Arranged Overdraft limit;
  2. fees for each payment your bank allows despite lack of funds; and
  3. fees for each payment your bank refuses due to lack of funds.

 

Other fees and charges

Account fees
Monthly Fee For Maintaining The Account £25 per month
This is for private banking relationship management and private banking current account and only applies to the following accounts: Private Current Account Tracker, Private Current Account and Private Current Account Mortgages.

 

Other day to day charges
Refusing A Payment Due to Lack of Funds Fee:
Standing Orders, Direct Debits and cheques
This fee will be charged when there is not enough money in your account or Arranged Overdraft to make a payment and we refuse the request. We will not charge this fee if the value of the payment that is refused is £4.00 or less. This is the Refusing A Payment Due to Lack of Funds Fee buffer amount.
£4.00 per item
Counter withdrawal (applies to Private Savings Account only) £5.00 per item

 

Additional services
Banker's draft (up to & including £100,000) No additional charge
Cancelling a cheque No additional charge
Copy of cheque No additional charge

 

Receiving money from outside the UK
Paid to customer’s account with this Bank
Up to £100 (or equivalent)
no charge
Over £100 (or equivalent) £7.00
Copies of confirmations/advices £5.00 per item

 

 

Debit card transactions

Transaction Type Retailer/ ATM location Currency Fees
Debit Card Cash withdrawal Within the EEA (including UK) Currency is Pound Sterling, Euro, Swedish Krona or Romanian Leu Fee not charged Where a foreign purchase transaction is refunded by a retailer, the purchase transaction amount will be credited back to the account based on the exchange rate on the day of refund. Any fee charged for the original transaction will not be refunded. For any Foreign Transaction reversals, any fee charged will be reversed.
All remaining currencies 3.75% of transaction value, min £1.50
Outside the EEA All currencies (including Pound Sterling) 3.75% of transaction value, min £1.50
Debit Card Payments Within the EEA (including UK) Currency is Pound Sterling, Euro, Swedish Krona or Romanian Leu Fee not charged
All remaining currencies 2.75% of transaction value, min £1.50
Outside the EEA All currencies (including Pound Sterling) 2.75% of transaction value, min £1.50

 

Debit card payments in a foreign currency are limited to £10,000 per day for retail/private debit Mastercard contactless cards and £5,000 per day for all others.

Financial Care Team

If we need to involve our Financial Care Team you must pay us all reasonable costs and expenses. These could include any costs incurred by us on correspondence or in taking steps to trace you or recover money you owe us (including legal costs on a full indemnity basis). Further details are available on request from your relationship manager.

The way in which each of the above fees and charges are calculated and applied to your account is described in the terms and conditions applicable to your account.