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Current Account

£150

from us to you

Fully switch your current account to us, maintain at least two active direct debits and pay in £1000 per month. Terms, conditions and exclusions apply.

Find out more

Current Account Control

Help control your finances and limit unwanted charges.

We know no one likes paying bank charges. However, each time you carry out a transaction when there aren't enough funds in your account to cover it or you exceed your agreed overdraft should you have one, you'll be charged. These are known as unplanned borrowing charges. Our Current Account Control could help you avoid these and control your finances. The Current Account Control offers all the benefits of a regular current account and, for a fee of £7.50 per month,, stops most payments* being processed that would result in unplanned borrowing charges. The account is subject to status and applicants must be 18 or over.

FSCS Current Account switch guarantee

Main features

Debit card

Lets you pay for goods and services in person, by phone, online and abroad subject to available funds (subject to available funds. Additional charges may apply when using your card abroad).

Withdraw up to £350 cash a day

365 days of the year at any Clydesdale Bank ATM or ATM in the UK or abroad (subject to available funds. Additional charges may apply when using your card abroad.).

Overdrafts

Overdrafts available subject to status. Fees and charges apply and can be found here

24 hour service**

Telephone, mobile and internet banking.

*Exceptions

Please note that there are still occasions when payments can still go through, even if you don't have sufficient funds available in your account. You'll not have to pay unplanned borrowing charges or debit interest on any unplanned borrowing. This could happen when:

  • There's not enough money in your account (or you have exceeded your agreed overdraft limit should you have one), to cover the £7.50 monthly fee or any interest charges.
  • You use your debit card at a retailer that doesn't check whether you have available funds for the purchase.
  • You spend money abroad, and the foreign exchange rate fluctuates between the date you made 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 returned unpaid.
  • 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).

Important information

You should check your current account regularly to ensure that there are always sufficient funds for regular payments, bills and household expenses, as they may not be paid if paying them would take you into unplanned borrowing. This could include very important payments, such as your mortgage or insurances, 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 also want to change the dates of your standing orders and Direct Debits to ensure they fall when you have sufficient funds in your account to pay them. Your local branch will be happy to help you set up the payment arrangements.

If you're switching from an existing Clydesdale Bank account to Current Account Control, 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. Your eligible deposits with Clydesdale Bank plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Please refer to FSCS information.

** 24 hour telephone, mobile and internet banking may be temporarily unavailable during periods of routine maintenance. For your security calls may be monitored or recorded.


Apply

Apply by phone

Call us free on:

0800 678 1230

  • We're here
  • Mon-Fri 8am - 8pm
  • Sat 9am - 5pm
  • Sun 10am - 4pm

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

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Current Account switch guarantee
Switch Guarantee

With the Current Account Switch Service we'll do everything for you.

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Prefer to talk to us?

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

0800 678 1230

  • We're here
  • Mon-Fri 8am - 8pm
  • Sat 9am - 5pm
  • Sun 10am - 4pm