Insurance benefits are provided by third-party insurers under group policies with their own terms, limits and exclusions. Read the policy document before relying on cover.
Included on every account
These are not upgrades. They come with any personal account, including the no-fee one.
Card controls
Freeze, unfreeze, set your own limits and block merchant categories yourself.
How it worksFraud monitoring
Transactions monitored around the clock, with alerts the moment something looks wrong.
Security centreSupport that answers
Phone and secure message, 24 hours a day, every day of the year.
Reach usSpending insight
Automatic categorisation, monthly summaries and subscription tracking.
See the platformSavings goals
Separate pots with target dates, funded automatically from your current account.
SavingsHelp centre
Searchable answers written by the same team that answers the phone.
Browse answersWhat each tier adds
| Benefit | Essential | Elite Plus | Prestige |
|---|---|---|---|
| Monthly fee | None | Monthly fee | Monthly fee |
| Cashback on eligible spend | — | Up to 2.5% | Up to 2.5% |
| Foreign transaction fee | Standard | None on card spend | None, card and transfers |
| ATM rebates | — | Up to a monthly cap | Uncapped |
| Travel cover | — | Standard policy | Enhanced, family included |
| Purchase protection | — | Included | Included |
| Additional cardholders | — | One | Up to four |
| Named relationship manager | — | — | Included |
| Wealth advice | — | — | Dedicated adviser |
| Concierge | — | — | Included |
Claiming and using them
- Cashback
- Accrues automatically on eligible spend and is credited monthly. No registration, no codes.
- ATM rebates
- Credited back automatically within a few business days of the withdrawal.
- Travel and medical cover
- Register the trip in online banking if the policy requires it, and carry the policy number. Claims go to the insurer, not to us.
- Purchase protection
- Claim through the insurer with the receipt and the card statement line showing the purchase.
- Concierge
- Reached from the direct line in online banking, at any hour.
Check cover before you rely on it
Age limits, pre-existing medical conditions, trip length and activity exclusions all apply to travel cover. If a trip falls outside the policy, buy separate insurance rather than assume.
Getting the most from your account
- 1Check which tier you hold in online banking, and what it already includes.
- 2Turn on the card controls and alerts you want. They cost nothing and prevent most problems.
- 3Set at least one savings goal with an automatic transfer on payday.
- 4Review the tier comparison once a year, or whenever your spending pattern changes.
Documents you may also need
Elite Plus
Enhanced rewards: a premium metal card, cashback on eligible spend, no foreign transaction fees and global ATM rebates.
Personal BankingDebit & Credit Cards
Contactless debit, a rewards credit card, and the controls that let you freeze, limit and replace a card yourself in seconds.
Account TiersPrestige
A named relationship manager, personal concierge, dedicated wealth advice and zero foreign exchange fees worldwide.
This document was last updated on 1 August 2026. We publish the current version here at all times; superseded versions are available on request.
If anything on this page is unclear, write to us and we will explain it.