Previous interest rates
St. James's Place Bank no longer offers current account to new clients.
-
Item
EAR*
Gross/AER**
Monthly interest Gross p.a
Item
Credit Balance
EAR*
Gross/AER**
0.05%
Monthly interest Gross p.a
0.05%
Item
Arranged overdraft
EAR*
10.05%
Gross/AER**
Monthly interest Gross p.a
Item
Unarranged overdraft
EAR*
25.25%
Gross/AER**
Monthly interest Gross p.a
All rates shown are variable
-
Item
EAR*
Gross/AER**
Monthly interest Gross p.a
Item
Credit Balance
EAR*
Gross/AER**
Monthly interest Gross p.a
0.05%
Item
Arranged overdraft
EAR*
Gross/AER**
Monthly interest Gross p.a
Item
Unarranged overdraft
EAR*
Gross/AER**
Monthly interest Gross p.a
All rates shown are variable
If, without agreement, your current account goes overdrawn or you go over your overdraft limit, we will charge you interest on the amount of your overdraft that has not been arranged at the rate that we set for unarranged overdrafts.
Tax-free is the contractual rate of interest payable where interest is exempt from income tax. Tax treatment depends on your individual circumstances and may change.
* EAR is the Equivalent Annual Rate. If we agree to let you have an overdraft, we will decide your overdraft limit and tell you what it is. Overdrafts are repayable on demand.
** AER means Annual Equivalent Rate and illustrates what your interest rate would be if interest was paid and compounded each year. Gross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs.
Unarranged overdrafts and payments you do not pay when you are meant to are not taken into account for the balance netting calculation.
Fees and charges
Item
Charge
When is the fee collected
How often is the fee made
Item
Cash withdrawal from LINK ATM
Charge
Nil
When is the fee collected
n/a
How often is the fee made
n/a
Item
Copy of paid cheque
Charge
£5.00
When is the fee collected
on request
How often is the fee made
on request
Item
Cancelled cheque (except for lost or stolen cheque)
Charge
£7.50
When is the fee collected
on request
How often is the fee made
on request
Item
CHAPS - same day electronic funds transfer between banks
Charge
£25.00
When is the fee collected
on request
How often is the fee made
on request
Item
Refused payment fee - when we decide to return unpaid any cheque, direct debit, standing order or other payment instruction due to lack of funds or no arranged overdraft to pay the transaction.
Charge
£30.00
When is the fee collected
On the last day of the next calendar month after the fee was incurred
How often is the fee made
Fee is charged per refused payment fee. Standing orders and payment instructions are subject to 1 fee per day
Item
Unarranged overdraft fee - this is charged when your current account goes overdrawn without a pre-arranged overdraft or when it exceeds an arranged overdraft.
Charge
£28.00
When is the fee collected
On the last day of the next calendar month after the fee was incurred
How often is the fee made
once a calendar month
Item
Copy statements
Charge
Nil
When is the fee collected
on request
How often is the fee made
on request
Item
Sending money outside the UK or in a foreign currency
Charge
2.25% plus £1.50
When is the fee collected
on request
How often is the fee made
on request
Charges for using your Debit Card outside the UK or in a foreign currency
If you use your debit card outside the UK and make transactions in a foreign currency, the amount of each transaction will be changed to pounds on the date we take it out of your current account facility. This may not be the same date that the transaction is carried out. We will choose the exchange rate which will always be a reasonable one. We will charge a conversion fee of 2.25% of the amount of each foreign currency transaction. We will also deduct a service charge of £1.50
-
Item
EAR
AER/Gross pa
Gross Monthly
Item
Credit Balance
EAR
AER/Gross pa
0.10%
Gross Monthly
0.10%
Item
Arranged overdraft
EAR
10.05%
AER/Gross pa
Gross Monthly
Item
Unarranged overdraft
EAR
25.25%
AER/Gross pa
Gross Monthly
-
Item
EAR
AER/Gross pa
Gross Monthly
Item
Credit Balance
EAR
AER/Gross pa
1.25%
Gross Monthly
1.24%
Item
Arranged overdraft
EAR
10.05%
AER/Gross pa
Gross Monthly
Item
Unarranged overdraft
EAR
25.25%
AER/Gross pa
Gross Monthly
-
Item
EAR
AER / Gross pa
Gross Monthly
Item
Credit Balance
EAR
AER / Gross pa
2.25%
Gross Monthly
2.23%
Item
Arranged overdraft
EAR
10.05%
AER / Gross pa
Gross Monthly
Item
Unarranged overdraft
EAR
25.25%
AER / Gross pa
Gross Monthly
-
Item
EAR
AER / Gross pa
Gross Monthly
Item
Credit Balance
EAR
AER / Gross pa
2.50%
Gross Monthly
2.47%
Item
Arranged overdraft
EAR
10.05%
AER / Gross pa
Gross Monthly
Item
Unarranged overdraft
EAR
25.25%
AER / Gross pa
Gross Monthly
-
Item
EAR
AER / Gross pa
Gross Monthly
Item
Credit Balance
EAR
AER / Gross pa
2.75%
Gross Monthly
2.72%
Item
Arranged overdraft
EAR
10.05%
AER / Gross pa
Gross Monthly
Item
Unarranged overdraft
EAR
25.25%
AER / Gross pa
Gross Monthly
-
Item
EAR
AER / Gross pa
Gross Monthly
Item
Credit Balance
EAR
AER / Gross pa
3.00%
Gross Monthly
2.96%
Item
Arranged overdraft
EAR
10.05%
AER / Gross pa
Gross Monthly
Item
Unarranged overdraft
EAR
25.25%
AER / Gross pa
Gross Monthly
-
Item
EAR
AER / Gross pa
Gross Monthly
Item
Credit Balance
EAR
AER / Gross pa
2.75%
Gross Monthly
2.72%
Item
Arranged overdraft
EAR
9.80%
AER / Gross pa
Gross Monthly
Item
Unarranged overdraft
EAR
25.00%
AER / Gross pa
Gross Monthly
-
Item
EAR
AER / Gross pa
Gross Monthly
Item
Credit Balance
EAR
AER / Gross pa
2.50%
Gross Monthly
2.47%
Item
Arranged overdraft
EAR
9.80%
AER / Gross pa
Gross Monthly
Item
Unarranged overdraft
EAR
25.00%
AER / Gross pa
Gross Monthly
-
Item
EAR
AER / Gross pa
Gross Monthly
Item
Credit Balance
EAR
AER / Gross pa
2.75%
Gross Monthly
2.72%
Item
Arranged overdraft
EAR
9.80%
AER / Gross pa
Gross Monthly
Item
Unarranged overdraft
EAR
25.00%
AER / Gross pa
Gross Monthly
-
Item
EAR
AER / Gross pa
Gross Monthly
Item
Credit Balance
EAR
AER / Gross pa
2.75%
Gross Monthly
2.72%
Item
Arranged overdraft
EAR
8.39%
AER / Gross pa
Gross Monthly
Item
Unarranged overdraft
EAR
25.00%
AER / Gross pa
Gross Monthly
-
Item
EAR
AER / Gross pa
Gross Monthly
Item
Credit Balance
EAR
AER / Gross pa
3.00%
Gross Monthly
2.96%
Item
Arranged overdraft
EAR
8.39%
AER / Gross pa
Gross Monthly
Item
Unarranged overdraft
EAR
25.00%
AER / Gross pa
Gross Monthly
-
Item
EAR
AER / Gross pa
Gross Monthly
Item
Credit Balance
EAR
AER / Gross pa
3.20%
Gross Monthly
3.15%
Item
Arranged overdraft
EAR
8.39%
AER / Gross pa
Gross Monthly
Item
Unarranged overdraft
EAR
25.00%
AER / Gross pa
Gross Monthly
-
Item
EAR
AER / Gross pa
Gross Monthly
Item
Credit Balance
EAR
AER / Gross pa
3.20%
Gross Monthly
3.15%
Item
Arranged overdraft
EAR
9.00%
AER / Gross pa
Gross Monthly
Item
Unarranged overdraft
EAR
25.00%
AER / Gross pa
Gross Monthly
-
Item
EAR
AER / Gross pa
Gross Monthly
Item
Credit Balance
EAR
AER / Gross pa
3.70%
Gross Monthly
3.64%
Item
Arranged overdraft
EAR
9.50%
AER / Gross pa
Gross Monthly
Item
Unarranged overdraft
EAR
25.00%
AER / Gross pa
Gross Monthly
-
Item
EAR
AER / Gross pa
Gross Monthly
Item
Credit Balance
EAR
AER / Gross pa
3.85%
Gross Monthly
3.78%
Item
Arranged overdraft
EAR
9.75%
AER / Gross pa
Gross Monthly
Item
Unarranged overdraft
EAR
25.00%
AER / Gross pa
Gross Monthly
-
Item
EAR
AER / Gross pa
Gross Monthly
Item
Credit Balance
EAR
AER / Gross pa
4.10%
Gross Monthly
4.02%
Item
Arranged overdraft
EAR
9.75%
AER / Gross pa
Gross Monthly
Item
Unarranged overdraft
EAR
25.00%
AER / Gross pa
Gross Monthly
-
Item
EAR
AER / Gross pa
Gross Monthly
Item
Credit Balance
EAR
AER / Gross pa
4.50%
Gross Monthly
4.41%
Item
Arranged overdraft
EAR
10.50%
AER / Gross pa
Gross Monthly
Item
Unarranged overdraft
EAR
25.00%
AER / Gross pa
Gross Monthly