Flexible Current Account

Attractive and competitive credit interest - We offer an annual gross rate of 2% below the Bank of Scotland Base Rate (effective 10th April 2008). This is calculated daily and credited to your account at the end of each month. This is the standard rate of interest paid. An alternative rate may be negotiated with your Relationship Manager, particularly when you are agreeing an overdraft facility.
Flexible Current Account Rates and Charges.

A Visa Debit card with Chip and PIN facility - This allows us to guarantee cheques of up to £100 and you to draw up to £500 per day from over 51,000 Bank of Scotland, Halifax and LINK cash machines in the UK (subject to funds being available in your account). You can also use your card abroad wherever you see the Visa sign in shops or at cash machines.

An overdraft facility agreed at local level - The arranged overdraft rate of typical 7.5 % APR variable (except for FSA regulated loans) is subject to negotiation and agreement with your Relationship Manager. Security is (or may be) required on any property or assets that we agree will be secured. For overdrafts secured on land in the UK (FSA regulated loans), the overall cost for comparison is 8.0% APR. The actual rate available will depend upon your circumstances and personalised illustrations are available.