Upgrade to Reward Silver

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? This account offers European travel insurance (underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz) covering up to 22 days per trip and £10 million in emergency medical expenses. It also includes winter sports cover.

What you should know:

• Covers you and any joint account holders.
• 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 601 5219 (Relay UK: 18001 0345 601 5219).
• If you or any other joint account holder 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:
• 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 £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).

Access a range of health and wellbeing benefits, including:

• 24/7 GP appointments by phone or video
• Mental Health and Wellbeing support - including a 24/7 helpline and up to six appointments each year
• Fitness, nutrition and wellbeing content

GP appointments are unlimited, subject to fair use. Health and wellbeing benefits are available to account holders only. Terms, conditions and exclusions apply. Prescription charges apply.  Provided by Teladoc Health UK LTD, a limited company registered in England and Wales (company number 05739281).

• You can redeem one 3GB 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 Silver 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.

• 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.

Enjoy discounts and offers at participating restaurants, coffee shops and cinemas across the UK.

• 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.

An overdraft is a form of borrowing and is repayable on demand. It can be useful for short term borrowing.

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.