Current account charges


Rates and charges

There are a number of services available to you. The most common of these are listed with their costs. These charges are in respect of personal banking. Also listed are services which we may have to perform for you.


Additional Services
Providing a balance or interest certificateNo charge
Cashing a cheque issued on usNo charge
Cashing a cheque issued on other banks£5 (some exceptions apply)
Applies to non-Royal Bank of Scotland customers only.
Issuing a UK bank draft (sterling)£10
A special form of cheque that we can issue you which guarantees payment
Stopping a cheque£10
When you wish to cancel a cheque that you have issued (but we will not charge you for cancelling lost or stolen cheques)
Special presentation of a cheque£15
A cheque made payable to you can be specially presented by post to confirm quickly (generally the following day) that it will be paid
Charge for court orders/legal processes served on the Bank brought on by a 3rd party against a customer (Scotland only)£25 (minimum)
For example, when a court order brought about by a third party against you, forces us to freeze your account.
Same day electronic transfer£20
We can arrange same day electronic transfer of funds (CHAPS) between bank accounts in the UK
Providing copies of paid cheques£5 for each cheque
(maximum of £150)
This charge also applies to providing details of paid cheques.
Providing copies of statements£5 for each request
When you require a copy of a previously issued statement.
Replacing lost or damaged cards£5
Return of dividend counterfoils£2 for each mailing
When we are required to forward dividend counterfoils you.
Details of debit card payments£5 for each item
On your request, we can provide documentation of debit card payments
Bankers reference£10 for each request
When a third party requests our opinion on your financial status.
Emergency Cash ServiceAny fees payable will be advised at the time.
When we allow you to withdraw cash from an ATM after reporting your card lost or stolen.
Personalised Card for Revolve Account£5

back to top

Safe Custody
Annual Holding Charges (payable annually in arrears)
  • Sealed envelopes
  • Small boxes/parcels
  • Large boxes/parcels
£25
£45
£65
Initial and subsequent re-deposit(s)£10

Annual Holding Charges are applied in arrears so any withdrawal made prior to the anniversary of the deposit will incur a pro-rated amount of the annual charge. In addition, a £10 fee will be charged for initial deposits and any re-deposits following item inspection or temporary release. The charges set out above are inclusive of VAT.


Arranged overdrafts - arrangement and renewal fees
To arrange a personal overdraftUp to £15,000 free
£15,000 or over 2% of amount
To renew an overdraft at existing levelUp to £15,000 free
£15,000 or over 1% of amount

back to top

Unarranged overdraft and unpaid items - charges

If we are going to debit a Maintenance Charge, a Paid Referral Fee, a Guaranteed Card Payment Fee and/or an Unpaid Item Fee from your account, we will give you not less than 14 days' notice of how much we are going to debit and when.


Fee typeWhen chargedFee amount
Maintenance Charge
If your account becomes overdrawn without prior arrangement or any arranged overdraft limit is exceeded, you will be liable for a monthly Maintenance Charge.

The Maintenance Charge will be applied if you have an unarranged overdraft at any time during a monthly charging period. 		16 days after the end of the charging period (or the next business day if this is a Saturday, Sunday, or Bank Holiday). The charging period normally ends on the date that we issue your statement to you. £20 (£10 for R21 Account**, Student Royalties and Graduate Royalties)
Paid Referral Fee
A Paid Referral Fee will be payable if:
  • you informally request an overdraft by issuing instructions for a withdrawal or other payment on your account; and
  • the payment cannot be met from the funds in your account or any unused arranged overdraft facility; and
  • an unarranged overdraft is created or increased because we decide we are willing to accept your request; and
  • the level of the unarranged overdraft is £15 or more.
16 days after the end of the charging period in which the transaction was paid or taken from your account (or the next business day if this is a Saturday, Sunday, or Bank Holiday). The charging period normally ends on the date that we issue your statement to you.£15 for each day on which a Paid Referral occurs (subject to a maximum of £90 in any charging period).
Guaranteed Card Payment Fee
A Guaranteed Card Payment Fee will be payable if:
  • you informally request an overdraft by issuing instructions for a withdrawal or other
  • the payment cannot be met from the funds in your account or any unused arranged overdraft facility; and
  • we decide we are not willing to accept your request but nonetheless accept it because we find that you have guaranteed payment by the use of a cheque guarantee card or debit card.
16 days after the end of the charging period in which the transaction was paid or taken from your account (or the next business day if this is a Saturday, Sunday, or Bank Holiday). The charging period normally ends on the date that we issue your statement to you. £15 for each transaction (subject to a maximum of £90 in any charging period).
Unpaid Item Fee
An Unpaid Item Fee will be payable if:
  • you informally request an overdraft by issuing instructions for a withdrawal or other payment; and
  • the payment cannot be met from the funds in your account or any unused arranged overdraft facility; and
  • we decide in our discretion not to make the payment.
16 days after the end of the charging period in which we decide not to make the payment (or the next business day if this is a Saturday, Sunday, or Bank Holiday). The charging period normally ends on the date that we issue your statement to you. £5 for each item (subject to a maximum of £50 in any charging period)
Making an informal request for an overdraft means you will have to pay a Paid Referral Fee, a Guaranteed Card Payment Fee or an Unpaid Item Fee. If an unarranged overdraft arises, you will also have to pay the Maintenance Charge and interest on the amount overdrawn (except so far as it represents fees, charges or costs of the kind described in section 6 of our leaflet Personal Banking Charges and Rates of Interest (PDF, 155KB) (PDF, 155KB) under the heading Sums which do not bear interest). For examples showing how our charges work, please see the section headed Unarranged Overdrafts and Unpaid Items in our leaflet under "How to make the most of your account".

Get Adobe Acrobat Reader ® (from www.adobe.com)
Visit access.adobe.com

Enforcement
A Default Notice Fee will be payable if we need to serve a default notice on you (for example, if you fail to repay your overdraft on demand or we wish to enforce any security we hold). This is in addition to any other charges that may apply.Within four days of the Default Notice being served.£30 per notice

** R21 Account is not available to new customers