Upgrade to Reward Platinum

You could earn £4 in rewards for 2 or more Direct Debits of at least £2. See the monthly break down below.

As well as earning Rewards for having 2 Direct Debits at least £2 each (like your phone bill), you can earn even more Rewards at our partner retailers, like Caffe Nero. You can earn from 1% back on your purchases. 

Your Rewards balance can grow quickly, they're easy to earn and easy to exchange. Redeem Rewards as money back into your current account, trade them up for eGift cards, or donate them to charity.

Love to travel? Worldwide travel insurance (underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz) covers you and your family for trips of up to 31 days. The policy also includes winter sports cover and up to £10 million emergency medical expenses cover.

What you should know:

• Family cover includes you and your partner, plus any dependent children under age 18 at the start of the journey (or under 23 if they’re in full-time education). Children must be living at the home address (or with the other parent) and be neither married nor in a civil partnership.
• Your partner is the person you (the account holder) live with at the same home address in a relationship, whether married or cohabiting.
• You can check online if this travel insurance covers new or existing medical conditions here. An extra fee may apply, or some conditions might not be covered.
• You can also discuss this over the phone by calling 0345 609 0453 (Relay UK: 18001 0345 609 0453).
• If anyone covered by the policy is aged 70 or over, you will need to pay for a £100 annual age extension upgrade for each person insured aged 70 or over for cover to apply.

If Allianz are unable to offer you an upgrade to extend the level of cover you need, or your upgrade insurance premium is higher than you expected because you have medical conditions, help could still be available.

You may be able to obtain alternative travel insurance cover for pre-existing medical conditions by contacting one of the providers featured in the MoneyHelper Directory of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need.

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777

Monday to Friday, 8am to 6pm | Saturday, Sunday and Bank Holidays, closed.

When bad things happen to your mobile, you need good cover. Our mobile phone policy covers loss, theft, accidental damage and breakdown (once your manufacturer’s warranty has expired). Underwritten by Aviva Insurance Limited. 

What you need to know:

• Cover is provided for the phones used by you, your partner and your children under 18 who live at home with you (or under 23 if they’re in full-time education and live at home with you outside term time). There is no cover for phones owned by your employer. 
• One approved claim can be made in any 12-month period. If this is a joint account, each account holder can make one approved claim, with a maximum of two per account.
• Claims are settled by repairing your phone, where possible. If we are unable to repair your phone, or it has been lost or stolen, we will replace it. Our replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts. Our repairs use genuine manufacturer or manufacturer quality parts.
  
• There is a £50 excess for each approved claim when you choose our convenient walk-in or mobile repair options.
  
• There is a £100 excess for each approved claim when your phone is replaced or if you mail it to us to be repaired.
  
• Replacement phones and phones mailed to us for repair include a 12-month warranty. Phones repaired by our mobile or walk-in repair agents include a 24-month warranty. 
• Cover applies to phones with an original purchase price of £2,500 or less (including VAT).

• If your car breaks down, you’re sorted, the AA will get you and your vehicle home or to your preferred location, anywhere in the UK, if they can't get your vehicle going again. 
• What you need to know about UK car breakdown cover:
• Roadside Assistance - Anywhere in the UK;
• At Home - Get help when your vehicle won't start at home;
• National Recovery - If the AA can't get your vehicle going, they'll take you and your vehicle to a destination of your choice;
• Onward Travel - If your vehicle can't be fixed at the roadside, the AA can help you complete your journey. This may be by arranging a replacement vehicle, booking you a night's accommodation or funding alternative transport costs (i.e. rail fares) where appropriate;
• Accident Assist - A 24/7 accident claims service. The AA will handle your insurance claim - at no additional cost - no matter which company insures you; and
• All your vehicles are covered - Your policy covers any privately registered vehicle you travel in, anywhere in the UK. It also covers your vehicle if it is being driven by someone else with your permission.
• Things to remember
• Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.
• Vehicles used for commerical purposes are excluded.
• Repeat call-outs for the same fault within 28 days won't be covered.
• For more information on the cover including exclusions and limitations, please refer to our car breakdown cover page.
• Roadside Assistance, At Home and National Recovery: Provided by Automobile Association Developments Limited (trading as AA Breakdown Services)
• Onward Travel: Underwritten by AA Underwriting Insurance Company Limited
• Accident Assist: Underwritten by AA Underwriting Insurance Company Limited

Health and wellbeing support that fits you and your family's needs.

• 24/7 virtual GP: unlimited access by video or phone (subject to fair use) including private prescriptions for you and your family. 
• Digital physiotherapy: up to six remote physio appointments per person per year. Over 18s only.  
• Mental Health and Wellbeing support: up to six appointments yearly per person. Plus, on demand nutrition, fitness and wellbeing content. Over 18s only. 

Health benefits cover you, partner/spouse, and children 18 and under (or 23 if studying), unless stated otherwise. Terms, conditions and exclusions apply. Prescriptions charges apply. Provided by Teladoc Health UK LTD, a limited company registered in England and Wales (company number 05739281).

• You can redeem one 5GB eSIM each year to use mobile data abroad. Once your eSIM has been activated it will be valid for 30 days within the country or region selected. Compatible device required. 

• Use your Reward Platinum debit card for purchases anywhere in the world, without the worry of incurring extra charges or carrying around lots of cash.
• No foreign transaction fees on debit card purchases abroad. Not valid for ATM withdrawals. Other local fees may apply.

• Enjoy discounted access to airport lounges worldwide for £25 per visit, plus savings on airport dining, spa treatments, and wellbeing services through the DragonPass Premier+ app.
• To avoid disappointment during busy periods, you can pre-book lounge access for £6 per person. You can also bring guests for £25 per person. Joint account holders will each receive their own DragonPass membership and must show their membership card to access lounges and enjoy available discounts. Subject to availability.

• Choose 25% off your bill, 2 for 1 meals, or 50% off food at thousands of restaurants.
• Enjoy 25% off barista-made drinks at participating coffee shops across the UK.
• Get 50% off or 2 for 1 pizza on delivery and collection orders from participating brands.
• Save up to 25% on cinema tickets and snack combos at participating venues across the UK.

You'll receive details of how to register after opening your account. Individual discounts and offers are subject to participating venues and specific terms and conditions.

There are two different types of overdraft:

• An arranged overdraft, which allows you to go overdrawn up to an agreed limit.
• An unarranged overdraft. This is when you spend more money than you have in your current account without already having an arranged overdraft, or when you exceed your current arranged overdraft limit

We charge interest on both types of overdraft. Going in to an unarranged overdraft limit can lead to payments being rejected. 

To apply for or amend an overdraft on your account visit our Overdraft pages.