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Signature Current Account

Relax. It’s good to know you’re covered

We go further for our customers and now we’ve won an award to prove it. Our efforts were recognised when we became the Moneyfacts Best Current Account Provider.

With our Signature Account, you get year-round family travel insurance and UK breakdown cover, as well as phone and gadget insurance. There’s also ID Defender, plus discounts on certain high street stores, supermarkets, holidays and events.

The banking part? You’ll have a contactless debit card, as well as Apple Pay and Android Pay. You can manage your money using internet banking – or use touch ID to log into your mobile app.

All for £13.50 a month.

Applicants must be 18 years or over. Terms, conditions and exclusions apply to all insurance policies and services. Full details are included in all policy documents. £13.50 account fee. Other fees and charges may apply.

Current Account switch guarantee Moneyfacts Award 2017

How to apply

Compare our current accounts and choose the one that is right for you.

Apply

Visit your local Clydesdale Bank Branch

Important supporting documents

What you get

Travel insurance

Provided by AIG Europe Limited

Multi-trip cover for you and your family, including winter sports, golf and weddings abroad.

See protection and insurance below for conditions and exclusions.

Mobile phone insurance

Provided by Lifestyle Services Group

Covers your phone (with a value of up to £1000 including VAT) for loss, theft and accidental damage of your mobile phone.

See protection and insurance below for conditions and exclusions.

Gadget insurance

Provided by Lifestyle Services Group

Provides cover for many devices including cameras, MP3 players, laptops, tablets and more with a value between £50 and £750 including VAT.

See protection and insurance below for conditions and exclusions.

UK breakdown cover

Provided by Green Flag

Whether you’re a driver or a passenger - including home call.

See protection and insurance below for conditions and exclusions.

My Signature rewards

Our Rewards website gives you access to discounts on certain travel, leisure and retail shopping – such as Sainsbury’s and Morrisons.

ID Defender

Provided by Lifestyle Services Group

Access your credit reports, check if your personal details are being used online, and get support and advice when you need it.

If you already have insurance that's similar to the cover provided by a Signature Account, through the Bank or another provider, you should check if this product is suitable for you.

Even if you have two policies covering the same risk, you'll only be able to make one claim.

Apply

Call us free on:

0800 678 3380

  • 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.

Branch Locator

Existing Current Account Plus customers can convert to a Signature Current Account online:

Convert online


Signature Current Account holder benefits

As a Signature Current Account holder you’ll have access to the my benefits website to view and manage your Signature benefits.

See our Frequently Asked Questions

Account information

Protection and insurance

Annual worldwide family travel insurance

Underwritten by AIG Europe Limited

Enjoy as many trips as you want, with up to 31 days’ cover for every trip. 17 days’ winter sports cover per year is included too.

When your next trip comes around, your Signature Current Account takes care of the travel insurance – automatically.

  • Your family – you and your partner are covered (where you live together), along with up to four dependent children aged under 18 (either in full time education or living with you). Your children are even covered on school trips – as long as someone over 18 remains responsible for your child
  • UK trips – as long as you’re in pre-booked accommodation, you’re covered too
  • Age and medical conditions – you’re covered until your 75th birthday. If you or anyone insured on this policy have pre-existing medical conditions, just call 0345 602 7453 and the insurer will confirm whether it is able to cover your condition.
  • Golf and wedding insurance – included as standard under the policy
  • Natural catastrophe cover – providing cover for cancellation of your trip or additional costs incurred to reach your destination
  • Talking Nurses – access to a telephone based service to answer your medical questions, before and during travel
  • Second Opinion Medical Services – if you, your partner or dependent children suffer any accidental injury or illness, you’ll get access to a medical second opinion service
  • Excluded countries – Cuba, Iran, Syria, Sudan, North Korea or the Crimea region, or countries where the Foreign office has warned against all but essential travel

Green Flag UK breakdown cover

Provided by Green Flag and underwritten by UK Insurance Ltd

You won't be left stranded with your Signature Current Account. It comes with Green Flag UK Breakdown Cover, to get you back on the road if your car ever breaks down.

  • Cover at home or on the roadside, if the vehicle you are travelling in breaks down
  • Repair or recover. Green Flag will come to you as soon as possible and attempt to repair the vehicle, or if necessary take you, the vehicle and any passengers to an available repairer (no matter how far it is) or your chosen destination (as long as it is within 10 miles of the incident)
  • Telephone messages can be relayed to your friends, family and even work colleagues to advise of unforeseen travel delays

With Personal Cover you’re covered, regardless of whether you are the driver or passenger. As long as the vehicle you’re travelling in at the time is privately registered in the UK and less than 16 years old, we can help you.


Mobile phone insurance

Provided by Lifestyle Services Group and underwritten by Assurant General Insurance Limited

Don't let a stolen or lost phone spoil your day. Signature Current Account offers valuable cover for your mobile phone.

  • Cover up to a value of £1000 including VAT – includes iPhones, Blackberrys and Android phones and two claims can be made in any 12 month period. Excess of £50 or £100 payable on successful claims depending on circumstances of claim
  • One phone per account holder
  • Worldwide cover − against loss, theft, damage and breakdown (including faults)
  • Unauthorised charges cover − up to a maximum of £1,000 per claim for a contract phone or £100 for pay as you go
  • Accessories cover – if they're involved in the same incident – up to £250 per claim

There's no need to register your phone details with us, but it can help improve the claim process if you do. You can register your phone details or make a claim by visiting www.cbonline.co.uk/mybenefits. Alternatively you can call 0345 602 7453


Gadget insurance

Provided by Lifestyle Services Group and underwritten by Assurant General Insurance Limited

Signature Current Account offers valuable cover for your and your family's gadgets, including MP3 players, laptops and iPods.

  • Gadgets with a purchase price between £50 and £750 (inc. VAT) are covered.  Excess of £25 or £50 payable on successful claims depending on circumstances of claim.
  • Worldwide cover − against loss (not tablets, iPads and laptops), theft, damage and breakdown (including faults)
  • Covers accessories − involved in the same incident – up to £250 per claim
  • Gadgets must be no more than 5 years old at point of claim
  • You can make up to two claims in any 12 month period

You can register gadget details or make a claim online or you can call 0345 602 7453.


ID Defender

Provided by Lifestyle Services Group.

Your identity is a valuable possession − we'll help you keep it safe with ID Defender.

ID Defender protects the information you share online and lets you know if your personal data is being accessed by criminals to commit fraud in your name.

ID Defender includes access to:

  • Keystroke Encryption Software – that you can download onto three of your devices
  • Web Detect – which checks to see if your personal or financial details are being used online
  • Online Credit Report – get access to your credit history whenever you need it
  • A Specialist Fraud Helpline – get advice and support if you think you've been a victim of identity fraud

You can register for ID Defender and access your Credit Report. Internet access is required to make use of this benefit.

My Signature Rewards

Save when you shop at certain major stores and supermarkets. Enjoy discounts on holidays, tickets and events, plus lots more.

  • Save on certain high street shops such as at Argos, Boots, Toys R Us and more
  • Save on food shopping with certain stores such as Sainsbury's and Morrisons
  • Enjoy travel discounts and savings on flights, holidays, cottage stays, theatre breaks and car rentals
  • Make savings at hundreds of cinemas and receive discounts on some concert and event tickets

You get all this and more from our My Signature Rewards website. Internet access is required to make use of this benefit.

Additional banking benefits available

A linked Signature Savings Account

Specially designed for Signature Current Account holders, you can manage your savings online.

Withdrawals can only be made by transferring funds to your linked Signature Current Account via internet, mobile or telephone banking.

Savings summary

Automated Funds Sweeping Service - reduce the risk of being inadvertently overdrawn

With our sweeping service, you're in charge – just set an upper and lower limit for the amount of money you'd like to hold in your Signature Current Account.

When your balance goes above this amount, we'll automatically transfer the difference to your Signature Savings Account. And if your Signature Current Account drops below the level you've set, we'll automatically top it up from your savings account. Funds sweeping happens overnight.


Standard current account benefits
Mobile, internet and telephone banking -bank when it suits you

No need to visit a branch to get the most from your Signature Current Account.

With 24 hour* mobile, internet and telephone banking, you can pay bills, check your balance and lots more – where and when it suits you. These services may be temporarily unavailable during periods of routine maintenance.

Spending made easy with your debit card

Pay for goods and services with your debit card – in the UK or abroad (additional fees and charges may apply). You can also get cashback at some retailers, handy if you need cash. Remember there's a handling charge when you use your debit card overseas. It's useful to let us know when you're going to be using your card abroad to highlight any change in spending activity.

* 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.

Important information

Worldwide family multi-trip travel insurance policy (excluding Cuba, Iran, Syria, Sudan, North Korea or the Crimea region, or countries where the Foreign office has warned against all but essential travel is underwritten by AIG Europe Limited. You and all persons insured must have lived in the UK or Channel Islands for at least 6 of the last 12 months before opening the Signature Current Account for cover to be available and continue to hold this status to remain eligible. AIG Europe Limited (FCA No 202628) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Green Flag UK breakdown cover is provided by Green Flag and underwritten by U K Insurance Limited, The Wharf, Neville Street, Leeds, LS1 4AZ. Company No. 1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Calls may be recorded.

Mobile phone and gadget insurance are provided by Lifestyle Services Group Limited (Register No. 315245) and underwritten by Assurant General Insurance Limited (Register No. 202689). Lifestyle Services Group Limited is authorised and regulated by the Financial Conduct Authority. Assurant General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. ID Defender is provided by Lifestyle Services Group Limited (ID Defender is not regulated by the Financial Conduct Authority).

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 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 deposits you hold above the limit between these brands are unlikely to be covered.

Please ask for further information or visit www.fscs.org.uk

Switching your account to us

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 CASS.

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 678 1230
Monday to Friday 8.00am - 8.00pm,
Saturday 9.00am - 5.00pm,
Sunday 10.00am - 4.00pm.

Prefer to talk to us?

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

Or if you're abroad / Outside UK

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

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