Reward Platinum

You could earn at least £5 a month in Rewards (that's £60 a year). See the monthly breakdown 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 Assistance) 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 (or Relay UK: 18001 0345 609 0453).
• If anyone covered by the policy is aged 70 or over, you will need to pay for a £75 annual age extension upgrade for each person insured aged 70 or over for cover to apply.

If Allianz Assistance 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.

• 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 purchase fee when you make a payment outside the UK or payment in a foreign currency.
• Not valid for ATM withdrawals. Other local fees may apply.

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:

• Covers the phone you use on a daily basis. If your account is in joint names, cover is also provided for the phone the other account holder uses on a daily basis. 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 £100 excess for each approved claim when your phone is replaced or if you mail it to us to be repaired.
  
• There is a £50 excess for each approved claim when you choose our convenient walk-in or mobile repair options.
  
• 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. 

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.
• 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 Acromas Insurance Company Limited
Accident Assist: Underwritten by AA Underwriting Insurance Company Limited

Buy online through membership services and get great savings off the price of cinema tickets.

• Valid at over 250 UK cinemas including Vue, ODEON and Showcase.
  
• Any day, any time, any film.

If you love eating out, you’ll love this: get 2 for 1 meals, 50% off food or 25% off food and drinks at thousands of participating restaurants UK wide.

What you should know:

• Some restaurants may exclude tastecard use on Friday or Saturday evenings, Mother’s Day, Father’s Day, Valentine’s Day, the whole of December and potentially other “event” type days.
• Where restaurants offer 50% off food or 25% off food and drinks they may limit the number of people; where restaurants offer 2 for 1 this does not include side dishes or extras.
• Some restaurants require you to book prior to arriving.

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.