St. James's Place Bank offers you the opportunity to make the most of your money through a fresh approach to banking.

We believe in the importance of advice in deciding how best to structure your banking arrangements. This advice (specifically relating to the products and services offered by St. James's Place Bank) will be provided by a St. James's Place Partner who will put you in touch with the dedicated team at St. James's Place Bank to make the process of opening a new Account as simple as possible.

What makes us different?

Fairness

• We calculate interest on the basis of daily balances
• We have no hidden charges.

Choice

• We offer mortgages (available as part of an offset Account), and current accounts and savings (available either individually or as part of an offset Account)
• Our mortgages are available exclusively with an offset current account and Direct Access Savings facility, to enable you to benefit from offsetting as soon as your Account is activated.

Flexibility

• You can move money between your facilities, held within an offset Account, in an instant
• You can choose to pay off your offset mortgage early.

Security

• We use encryption systems and password protection to ensure that your private information remains private
• When we provide transaction processing over the Internet we will guarantee that where a client is the victim of fraud involving the Internet they won't lose any money on their St. James's Place Bank Account as a result of the fraud.

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