Approval is subject to status. This means we'll complete credit checks and an assessment of your financial circumstances.
Terms explained
Gross Annual Income (GAI) is the amount you make each year, before tax.
Credit check is where we check your credit history, which includes carrying out searches through a Credit Reference Agency.
How long applications will take
If you have all your information to hand, the application will take you about 10 minutes.
We'll be in touch to let you know whether or not your application has been successful.
How the credit check works
A credit check looks at the information held on your credit file by the Credit Reference Agencies. This is used to decide whether to provide products and services to you, including the level of any lending.
What to do if you haven't heard anything
If you have any questions about your application, please call us on
+44(0)3457 212 212
What to do if you've been refused
Customers that are not approved will have a note placed on their credit record that an application has been submitted and declined.
Being refused for a current account can have a negative effect on your credit rating. If this happens, you should avoid applying for the same account again. All applications, positive and negative, will show up on your credit file.