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Other fees and charges

Private banking

Overdraft terms

Daily unplanned borrowing fee £6.00 per business day

This fee will be charged for each business day that you end the day in unplanned borrowing by more than the £100.00 unplanned borrowing 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 unplanned borrowing and returned item fees. 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 unplanned borrowing charges. This means you'll never pay more than £100 per month in Daily Unplanned Borrowing and/or Returned Item Fees.

The banking industry definition of monthly cap on unarranged overdraft charges is set out below. Where you see the terms "arranged overdraft" or "unarranged overdraft", those have the same meaning as “planned borrowing” and “unplanned borrowing” as explained in your account terms and conditions and tariff.

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
Relationship fee £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
Returned item fee will be charged when there is not enough money in your account or agreed overdraft to make a payment, and we decline the request, We will charge a returned item fee of £15.00 per item. We will not charge the returned item fee if the value of the unpaid item is £15.00 or less.
Counter withdrawal (applies to Private Savings Account only)

 

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

 

Inward foreign payment
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
ATM transactions 3.75% of transaction value. Min £1.50
Purchase transactions 2.75% of transaction value. Min £1.50

 

These fees and limits apply if you use a card where the card transaction is made with a supplier (or using an ATM) based overseas.

Purchase transactions overseas limited to £10,000 per day for retail/private debit Mastercard contactless cards and £5,000 per day for all others.

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. The foreign purchase fee charged for the original transaction will not be refunded. For any foreign reversals received, the original foreign purchase fee will be refunded.

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.