Skip to content Skip to primary navigation Skip to secondary navigation
We use cookies to keep our websites easy to use and relevant to our users' requirements and to enable us to learn which advertisements bring users to our website. We do NOT use cookies to collect any personal information about you. By continuing to browse our web pages, you agree that we may use cookies for these purposes. 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.

Main features

£7.50 account fee. Other fees and charges may apply.

Debit card

Lets you pay for goods and services in person, by phone, online and abroad (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.

** 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.

*Exceptions

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.

Apply by phone or in branch

Online applications are available to new, sole applicants who do not need an overdraft. All other applicants can apply by phone or in branch.

Are you a new or existing customer?

Are you opening an account in your name or a joint application?

Do you need to apply for an overdraft?

Overdrafts cannot currently be arranged online but you still have the option to apply for one after your account is opened. All overdraft agreements are subject to status

 Apply online

  • Our application takes just 10-15 minutes
  • Get an instant decision* if successful
  • Register for internet and telephone banking
  • Option to switch your existing account to us
  • You must be 18 or over to apply online
  • If you’re not eligible for this account, we’ll let you know at the end of the application and offer you our Readycash basic bank account, instead (if appropriate).

* We aim to give online decisions for applications submitted between 8am to 10pm, Monday - Saturday and 8am to 9pm on Sundays. If we are unable to provide an instant decision or your application is submitted outside these times, we will aim to inform you within one working day.

You will need this to apply:

  • Your address details for the past 3 years
  • Your current employer’s details (if applicable)
  • Income details - your Gross Annual and Net Monthly salaries
  • Details of your expenditure – e.g. Mortgage/Rent, loan payments
  • Your current bank details (if you are planning to Switch)

Start again

Call us free on:

0800 678 1230

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

Request a phone appointment

Visit your local branch:

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

Request a branch appointment

Branch Locator

Start again


Already started an application?

Log in to retrieve your online current account application

If you completed the username and password section of your application, then we’ll have automatically saved it for you. You can now log in to complete your application or retrieve your decision. If you're not sure what your login details are, or you can't get online for some reason, please give us a call on 0800 028 3632.

Retrieve your application

Important information

Protecting your money

Your eligible deposits with Clydesdale Bank PLC are protected up to a total of £75,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme.

This limit is applied to the total of any deposits you have with the following: Clydesdale Bank and Yorkshire Bank. Any total deposits you hold above the limit between these brands are unlikely to be covered.

Please see FSCS leaflet download (Opens in a new window) for further information or visit www.fscs.org.uk  


Help and support


Find a branch

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

Branch locator

Contact 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

For your security calls may be monitored or recorded.