BUSINESS CURRENT/CHQ ACCOUNTS
OTHER CHARGES Cash w/d facility
BORROWING Authorised overdraft Unauthorised overdraft
£5 per
request £5 per
request £5 per
request £5 per
request £5 per
request £6
£5 per
statement £5 per
statement £5 per
request £5 per
request £5 per
request £5 per
request £5 per
request £5 per
request
£5. £10 for £10 multiple statement
£5 £8 £8 £8 £10 per
statement £10 per
statement £5
£10 per request
Nil £6 £6 Nil £5 £5 £10 £12 £12 £12 £10 £10 £10 £8 internet banking) £10 (£5 via £6 internet banking) £10 (£5 via £6
internet banking) £5
£10 £10 £15 Nil Nil Nil £15 £35 £35 £14 £15 £15 £15 £10 * Fees on request £24 £10 £10 S £10 S £30 £24 a £24 a £25 £24 a £24 a £15 £5 £33 * £25 * £30 per draft £27.50 per hr Nil £14 £10 * Fees on request £24 £15 £33 * Nil Nil £6 £6 £6 Nil Nil £5 £15 £32 £30 £30 £30 £10 £10 £30 M N/A N/A £15 £15 £10 £10 £8.51 * £8.51 * £15 £8.51 * £15 £15 N/A
Nil £10 (max £13 £300 pq)
£10 (£5 via Nil Nil £14 £10 £10 £25 £10 * £25 £25 £20 £20 £10 £10
£10 £10 £10 £10 £10 £10 £6 £6 £10 £10 £10 £10 £10 £10
Nil Nil Nil Nil Nil Nil £4 £4 £4 £4 £4 £4 £4 £4
£35 £35 £35 £35 £35 £28 £29.50 £29.50 £35 £35 £35 £35 £35 £35
£15 £15
£7.24 * £7.24 * £15 £7.24 * £15 £7.24 * £15 £7.24 * £10 £15 £15 £15 £15 £15 £15 £15 £15 Nil £10 £10 £10 * £10 * £10 * £10 * £10 * £10 *
£10 - £27 £21 - £23 £10 - £27 £21 - £23 £10 - £27 £21 - £23 £10 - £27 £21 - £23 £10 - £27 £21 - £23 £26 £25 £25 £10 - £27 £10 - £27 £10 - £27 £10 - £27 £10 - £27 £10 - £27 £26 £25 £25 £20 £20 £20 £20 £20 £20
£12 £10 - £27.50* Max £12 Max £12 Neg Neg Neg ô £12 £10 - £27.50* Max £12 Max £12 Neg Neg Neg ô £12 Nil Max £12 Max £12 Overdrafts not available £12 £10 - £27.50* Max £12 Max £12 Overdrafts not available £12 £10 - £27.50* Max £12 Max £12 Neg Neg Neg ô £10 N/A N/A £10 £10 £10 £10 £10 £10 £25 £25 £25
£25 per hour *
Nil Nil Nil £5
£25 per Not hour *
£25 per hour *
£25 per hour *
£25 per hour *
£25 per hour *
£25 * £25 *
£25 written, £25 written, £15 * Min £30 * £40 fax request £40 fax request
£25 written, £25 written, £15 * Min £30 * £40 fax request £40 fax request
£25 written, £25 written, £15 * Min £30 * £40 fax request £40 fax request
£20 £20 Tiered ø £25 £25 £25 £30 £25 £10 * Fees on request £24 N/A N/A £15 £20 £20 £40
available £5
£5 £5 £5 Not Nil Neg Neg Neg Not
available Not
available £5 Neg Neg Not Neg Neg available £5 Neg Neg £5 Neg ô Overdrafts not available £5 Neg Neg £5 Neg Neg Not
available available Not
available available Nil
Not available Nil Nil By Not Neg Neg Nil available Not Neg Neg Nil
available By
arrangement arrangement By
By
arrangement arrangement Nil
available £15 Min £27.50 £10 £15 £33 * Not £10 Neg Neg Neg 2 free Neg Neg Neg
available then neg Not
available then neg Not
available then neg Neg
Not Not 2 free Neg Neg Neg 2 free Neg Neg Neg Not Neg Neg Neg
available Not
(max £100K) (min £27.50)* available available £30 per draft £27.50 per hr
Not (max £100K) (min £27.50)* available available
A = Can be linked to Offset Term loan. C= Available to sole traders and partnerships only. D = Added value services (legal tax & counselling helplines and commercial legal protection) available. J= £25 pm for businesses with turnover under £100K. K= Overdraft up to £500 - free, £500+ 1% per annum of the agreed authorised overdraft limit (min £25). £5 monthly usage fee on authorised overdrafts. L= Locals only. M = If due to lack of funds, £15 for technical reasons. N= Not limited companies. Q = Operated only by post and/or fax. Access to the account information is available via internet and/or telephone. S = Including VAT. T= Operated by post and/or telephone. Facilities also available via branch and Post Office. U= Via Cheque Advantage, 25p Via Business Postal Cheque Service, 21p. V= Via Cash Advantage, 56p per £100 Y = Over £10K. Z = Annual loyalty bonus of £25 awarded. ^ = Outward £20, Inward £5. † = Only available to organisations which meet social and environmental assessment. ‡ = 0.5% renewal/review fee. ¥ = Business savings and current account balances can be offset to reduce interest on personal mortgage borrowing. Sole trader and simple partnerships only. ± = 2% of value withdrawn via counter. Ð = Free at branches. Charge for change at Post Office 160p%. < = Via a Deferred Visa Debit Card. > = Can be operated via the internet; transactions requiring more than one signature make the account view only. æ = Not charged in first year of account opening. ¢ = Up to £1999 - £15, £2K to £4,999 - £25, £5K+ - £35. Express service available at higher rates. ø = Branch: up to £300 - £11, £301 to £500 - £15, £501 to £1K - £17, £1,001 to £1.5K - £20, £1,501 to £2K - £25, £2,001+ to Turkish Bank branch - 0.1%, to other banks - 0.2% (min £30, max £80). Online up to £500: as per branch, £500+- 0.1% (min £15, max £40). Ÿ = If debit movement exceeds £50 net of daily credits. ô = Max 1.5% pa (min £150).
March 2012 READERS ARE REMINDED THAT BUSINESS MONEYFACTS IS COPYRIGHT 71 Neg Neg Neg Neg Neg Neg 17% pa 5% ABR 5% ABR 5% ABR 10% ABR
18.1% £15 pq Nil (max £270 pq)
- - - - Neg Neg Neg Nil Nil Nil
£10 per Nil month
29.25% pa33.51% £25 29.25% pa33.51% £25 Nil Nil Neg Neg - - Varies Varies Not Neg Neg Neg - Neg ô Neg ô
5% £100 ABR
29.5% pa 29.5% pa -
Not 0.88% 5.9% 1% of facility 29.9% pa ABR (min £50)
Neg Neg Tiered n 29.5% pa Neg ô Neg ô 29.5% pa 29.5% pa
- Manager’s Nil discretion
- Manager’s Nil discretion
- Nil Nil Overdrafts not available Nil
- Manager’s Nil discretion
- Nil 25% ABR Nil - + £30 per debit
1.92% pm 25.59% £20 pm + £17.50 £20 per event
1.92% pm 25.59% £20 pm + £17.50 £20 per event
1.92% pm 25.59% £20 pm + £17.50 £20 per event
20% ABR 20% ABR 23% ABR - - Nil Nil - £20 daily Ÿ Varies Varies Nil Nil Nil £15 pm N/A Overdrafts not available Overdrafts not available - 29.5% pa Neg
29.5% pa 29.5% pa
- -
Nil Nil
Nil Nil Overdrafts not available Nil Overdrafts not available Nil - Nil Nil
Neg £25 per Nil excess
Overdrafts not available Nil 16.65% Nil Nil
Copy statement per sheet
Stop cheque
Unpaid cheque inwards
Unpaid cheque outwards
Special presentation
Bankers ref/status enquiry
Telegraphic transfer abroad CHAPS
£ Bankers draft Audit letter
Another branch Another bank %pm
%EAR
Arrangement fee %
%EAR Extra fee
Unauth overdraft letter
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