Prestige is subject to eligibility, which is based on the overall relationship rather than a single balance. A conversation comes before an application.
Who Prestige is for
Prestige exists for people whose finances have outgrown a product list: several income sources, property, investments, and decisions that need someone who already knows the background.
- You would rather speak to the same person each time than explain your position again.
- You hold assets across current accounts, savings, investments and property.
- You spend and hold money in more than one currency.
- You want lending and planning considered together rather than product by product.
What Prestige includes
| Feature | Elite Plus | Prestige |
|---|---|---|
| Relationship manager | Not included | Named, with a direct line |
| Wealth advice | Not included | Dedicated adviser, coordinated with your manager |
| Personal concierge | Not included | Included |
| Foreign exchange fees | None on card spend | None on card spend or transfers, worldwide |
| ATM withdrawals worldwide | Rebated to a cap | Rebated without a cap |
| Lending | Standard criteria | Reviewed on the whole relationship, not one application |
| Travel and medical cover | Standard policy | Enhanced policy, family included |
| Additional cardholders | One | Up to four |
| Support | Priority routing | Direct line, no queue |
How the relationship works
An introductory conversation
What you hold, what you owe, what you are planning. No product is discussed at this stage.
A written picture
Your position set out in one document, including anything that looks inefficient or exposed.
A plan you agree to
Priorities, timelines and what we will do. You keep the document; nothing proceeds without your instruction.
Ongoing review
A scheduled review each year, and a direct line for anything that will not wait.
Advice, clearly labelled
When we give you a personal recommendation we say so in writing and set out why it is suitable for you. When we are simply explaining how something works, we say that too.
Eligibility and cost
Prestige is assessed on the whole relationship: balances held, lending in place, investments managed with us and the complexity of what you need. There is no single number that qualifies you.
- A monthly account fee applies and is confirmed before you move across.
- Advice charges, where they apply, are disclosed in writing before any work begins.
- You can return to Elite Plus or Essential at any time, keeping the same account number.
Investment risk still applies
A relationship manager does not remove market risk. Investments held through Prestige can fall in value and you may get back less than you put in.
Starting a conversation
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 BankingInvestment Accounts
Diversified portfolios, transparent charges and a clear view of what you own — with the risks stated plainly rather than buried.
Account TiersEssential
The daily standard: no monthly fee, no minimum balance, a contactless debit card and full access to online banking.
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.