For people who want all the features of a current account, plus helpful, everyday extras like UK and European breakdown cover, worldwide travel insurance, and mobile phone insurance. All for just £15 per month.
Approval is based on an assessment of your personal circumstances and is subject to status and additional eligibility criteria.
Not the right account for you? Take a look at our other bank accounts.
We want to help your money go further. That's why if you apply for our Everyday Extra current account by 4 November, we'll cover your first three months of subscription fees. You'll still pay £15 a month, but we'll put that money straight back into your account.
What's included with our Everyday Extra packaged bank account.
All policies are subject to exclusions and limitations. Please read each insurance policy to fully understand the level of cover provided.
Overdrafts are intended for short term borrowing and not suitable for long term borrowing. An arranged overdraft is a set amount you've agreed with us in advance. You will be charged debit interest when you use your arranged overdraft. Make sure you've read our overdrafts information whether you're intending to apply for one or not, so you know about arranged and unarranged overdrafts.
An arranged overdraft is a set amount you've agreed with us in advance. You will be charged debit interest when you use your arranged overdraft. Check your eligibility for an overdraft You can check if you are likely to get accepted for an overdraft using our eligibility checker. Calculate how much an overdraft will cost Calculate the cost of an overdraft based on how you might use it with our overdraft calculator. Overdrafts are intended for short term borrowing and not suitable for long term borrowing.
You'll go into an unarranged overdraft if you go over your arranged limit or your account balance falls below £0 without an arranged overdraft in place. You will be charged debit interest for going into an unarranged overdraft. Your payments might be refused if you try to go overdrawn without having arranged an overdraft.
Any type of borrowing shows on your credit file. However, an unarranged overdraft shows as arrears which can negatively impact your credit file and may make it harder for you to obtain credit in the future.
You will be charged debit interest when you enter into an arranged and/or unarranged overdraft at an annual interest rate of 35.9%.
Change your overdraft limit You can find out more about our overdrafts, including how to apply for a new limit, or change an overdraft limit you already have, by visiting our overdrafts page. You must make regular payments into your account to reduce the amount you owe. If you already have an arranged overdraft limit with us, which you'd like to remove, you can do this by contacting us. Text alerts when you go into your overdraft To help manage your money and avoid/minimise debit interest you might pay, we send overdraft text alerts if you go into or you're about to go into an arranged or unarranged overdraft. We will also send alerts if you have payments due that may not be paid. As long as we have your mobile number, you'll be automatically opted in for overdraft text alerts. You can opt out of arranged and/or unarranged overdraft alerts at any time by contacting us. More information on overdraft text alerts
Approval is based on a credit check, an assessment of your personal circumstances and is subject to status.
If you wish to switch an account to us and an overdraft forms part of your decision to do so, please wait for confirmation of your overdraft before making an application to switch.
£1,200 credit limit
35.9% annual interest rate
35.9% representative APR variable
How does our overdraft compare?
The representative APR provided can enable you to compare the costs across different products and providers.
How much does my overdraft cost in pounds and pence?
As an example, the interest cost of borrowing £500 is
7 days: £2.98
30 days: £12.76
60 days: £25.66
This is based on borrowing £500 on the first day of our charging period and assumes this overdrawn balance remains until it is repaid at the end of 7, 30 or 60 days. This example does not include any interest-free amounts that are provided on some accounts.
There is a monthly fee of £15 for maintaining this account, which provides you with worldwide travel insurance, UK & European breakdown cover and mobile phone insurance.
You'll be charged debit interest at an annual interest rate of 35.9% on the amount you're overdrawn by.
If you have an active current account with a different bank, you can apply to switch to us whenever you’re ready. With our simple switching process, we’ll move all your Direct Debits, standing orders and bill payments to your new account with us. Once you've applied to switch, you don't need to do anything else as we take care of the rest. You can choose what date you’d like to complete the switch and close your old account. Once the switch has started, it takes just 7 working days to complete. And you'll be covered by the Current Account Switch Guarantee, so you don't need to worry about missing payments. Learn more about switching