Current Account Switch Guarantee

Wealth current account

Everyday banking made easy

A straightforward account for day-to-day purchases and payments in the UK and abroad.

For simple, everyday banking

Easy money management

Set up Direct Debits, standing orders (sterling accounts only) and make funds transfers to the UK and abroad.

Auto-sweep facility

If you leave more money than necessary in your current account, we can automatically sweep surplus funds into an interest-paying savings account.

24/7 banking

With our online and app services you can access your money, get instant visibility of your total wealth with us and make payments where and when it suits you.

Wealth debit card

Available with sterling accounts, your Wealth debit card offers you higher cash withdrawal limits of up to £2,000 a day.


We have arranged overdrafts in many currencies, which you can apply to your chosen account (subject to application, financial circumstances and borrowing history).

  • An overdraft limit is a borrowing facility which allows you to borrow money through your current account. There are two types of overdraft – arranged and unarranged.

    An arranged overdraft is a pre-agreed limit that lets you spend more money than you have in your current account. It can be a safety net to cover short-term outgoings, like an unexpected bill. It is not suitable for longer-term borrowing. We charge you for every day of the month that you use your arranged overdraft where you go beyond any fee-free limit you may have.

    Our eligibility tool can show you the likelihood of getting an arranged overdraft up to £5,000 (larger limits are available) and our overdraft calculator lets you to see how much it could cost to use an overdraft.

    For more information, just contact your Wealth Manager.

    You can only make payments from your account if you have enough money in your account or through an arranged overdraft to cover them. We will always attempt to return any transaction that could take your account into an unarranged overdraft position. Having enough money in your current account or having an arranged overdraft limit could help prevent payments such as priority bills from being returned unpaid.

    On very rare occasions we may be unable to return a payment (for example due to an offline transaction made on a flight) and the account may enter an unarranged overdraft. No additional charges will be applied in this situation.

    Information regarding the conduct of your account may be sent to credit reference agencies. As with any debt or borrowing, this may affect your ability to get credit in the future.

    An unarranged overdraft is when you spend more money than you have in your current account and you have not agreed an Arranged Overdraft limit with us in advance or you have exceeded an existing arranged overdraft limit.

    There is no charge for unarranged overdrafts on your current account.

    Overdrafts are subject to application, financial circumstances and borrowing history so the amount offered may be different to that shown in the example. Overdrafts are repayable on demand.

Ready to talk?

To help us put you in touch with the right team and the right services, we have two questions to ask you.

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