Fees and charges

Tariff for account operation and debit cards

Subscription for the International Premier Account (sole or joint account)

Free (account holders must have an average monthly balance of £100,000 or $/€150,000)

Subscription for the International Account (sole or joint account)*

Sterling Account only - £7.50 per month

US dollar Account only - $7.50 per month

Euro Account only - €7.50 per month

* If you have more than one account, maximum fee £7.50 per month.

International / International Premier Account

No account operation charges. Our tariff for some standard services is shown below. Planned overdrafts (by prior arrangement) - up to £200 no interest charged (Sterling Account only)

Debit cards

On Sterling, US Dollar or Euro Accounts - no charge

ATM Limit

(Sterling) Debit Card - £300

US Dollar Debit Card - $750

Executive Gold Debit Card - £500

Euro Debit Card - €750

Credit facilities

Sterling Account – Overdraft	Facilities by arrangement
US dollar and Euro Accounts	No Planned Overdraft facilities normally available
New terms and conditions and some new rates apply to this account. To see these, please read our Personal Banking overdraft rates and charges guide.

Monthly Planned and Unplanned Overdraft interest rate

Sterling Account (note 1)	1.23% (EAR 15.8%)
Gold card	1.385% (APR 17.9%)
New terms and conditions and some new rates apply to this account. To see these, please read our Personal Banking overdraft rates and charges guide.

Supplying copies of previous bank statements

£5 per sheet (maximum £10)

Courier fee charges for debit cards

£15 for the first card, £30 at renewal

	Sterling Debit Card	US Dollar Debit Card	Euro Debit Card
Currency conversion fee*	2.99%	2%	3%
Charge for cash withdrawals	1.5% min £2 maximum £4.50	1.5%	1.5%

Tariff for services - sending funds**

Standard International Moneymover (Non-priority payments; n/a for euro)

25p per £100, minimum £13, maximum £40

Express International Moneymover
(Payments requiring priority treatment)

Payments in Euro	25p per £100 Min £16 Max £40
Payments in any other currency	25p per £100 Min £19 Max £46

International drafts payable abroad

£15 (plus registration fee if posted)

Electronic Funds Transfer ("CHAPS" Payment; min £1,000)

Within the British Isles	£20
+ option: confirmation to recipient	£5

Cash withdrawals and deposits into the US Dollar Account and/or Euro Account***

2% on the sterling equivalent of each currency minimum £3 per currency and £10 administration fee

Recalling a payment
(Note: We cannot guarantee the cancellation as funds may already have been paid to the beneficiary)

£20****

Tariff for services - receiving funds

Cheque Collections

Up to £100	£5
£100 and above	25p per £100, minimum £15 per cheque, maximum £80 per cheque

Cheque negotiation

Negotiation to Sterling Account

Up to £100	£5
£100 and above	25p per £100, minimum £8 per currency, maximum £80 per currency
For cheques in a foreign currency drawn in a different country (not UK) e.g. US Dollars drawn in France	As above, but minimum £10 per cheque

Negotiation to Currency Account

If the cheque is the same currency as the account	£2 per cheque
If the cheque requires currency conversion	£4 per cheque

Electronic bank transfer from another financial institution

Up to £100	£2
£100 and above	£7, £10 for telephone advice

All rates quoted are correct at time of going to press.

Note 1: For the International (Sterling) Account the EAR quoted does not take into account the subscription fee. The Planned and Unplanned Overdraft borrowing rate EAR is calculated on the same basis.

* The conversion fee is only applicable when the transaction is in different currency to that of the card. For example, the fee does not apply when using a US Dollar Debit Card to draw US dollars in cash, or to purchase goods and services in the United States, but does apply when used in the UK.

** Plus charges levied by the correspondent bank abroad.

*** These accounts are not designed to be used for receipt of notes or coins. Please contact your International Banking Team if you need this service.

**** There may also be adverse exchange rate movement.