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