Current Accounts

What can I do on this page?

You can complete a range of account servicing tasks.

• Request account items & download forms (e.g. order a cheque book, paying-in book, copy of a statement).
• Order a replacement card
• Manage recipients
• Report a card lost or stolen

What is my current balance?

Your current balance is the total amount of money in your account. It includes all the transactions made in and out of your account, including your most recent payments.

Your balance may include uncleared deposits (such as cheques) and / or payments that have not yet left your account.

What is my available balance?

Your available balance is the amount of money in your account available to you right now. It is made up of:

• Current balance
• Less debit card transactions that have been authorised or pre-authorised (where the final transaction amount is not known upfront), but not yet debited your account.

Examples of pre-authorised transactions include where you have given a debit card pre-authorisation for a hire car or hotel room. The available balance will not include any arranged overdraft facility.

What happens if I go over my overdraft limit?

If you go over your overdraft limit, we refer to this as an 'unarranged overdraft'. You will be charged debit interest if you go into an unarranged overdraft as well as it having a negative effect on your credit file.

How do I increase my Current Account overdraft limit?

You can increase your overdraft limit by contacting our customer service team on +44 (0)3457 212 212 (Call charges).

How do I report a card as lost or stolen?

If you think your card is lost or stolen, call us straight away on 0345 600 6000, 24 hours a day. (Call charges).

How do I order a replacement card?

You can order a replacement card by:

1. Visiting Your accounts
2. Click View account on your current account preview
3. Click Order a replacement card
4. Follow the instructions

I need to query a transaction on my current account, what should I do?

You should call us immediately on 03457 212 212, or +44 3457 212 212 if calling from outside the UK (Call charges), if you suspect fraud or spot a transaction on your account that you don’t recognise.

To help us deal with your query quickly, please note down the date, time, amount and recipient of the transaction before calling.

We'll check the details with you and provide as much information as possible about the transaction. If you still don’t recognise the payment, it may be necessary to temporarily limit your access to your account while we investigate further.