HomeRates and chargesRates


Rates make for a useful point of comparison when looking at financial products - though they're not the only thing you should consider when making a decision. Have a look through the tabs below for more detailed information about each products' rates.

1st Account rates

The rates are correct as at 1 February 2012.

1st Account does not pay interest on credit balances.

Arranged overdraft interest % p.a. variable % EAR* variable
Debit balances up to £250 0% 0%
Debit balances over £250 14.85% 15.9%

We'll calculate arranged overdraft interest daily on the cleared end of day debit balance on your account, and deduct it from your account monthly.

Before we deduct any arranged overdraft interest, we'll give you at least 14 days' notice of the amount.

If you live in Northern Ireland and you've switched your banking to us you won't be charged arranged overdraft interest on the entire debit balance of your 1st Account for the first three months, unless your 1st Account is linked to your Offset Mortgage.

*EAR is the Effective Annual Rate which takes account of the interest rate and how often interest is charged, but doesn't include any other fees or charges.

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We're committed to helping you stay in control of your money. One way we do that is by letting you know up front about any charges that might apply to any of our accounts - after all, nobody likes a nasty surprise.

More info about our charges