Understanding fees and charges and how this will impact you

During the last few years, our costs have significantly increased and we feel that the new pricing reflects fair value for the account.

The Community Account is for organisations such as clubs or societies that benefit the local or wider community but are not registered charities. This is commonly known as a not-for-profit organisation. 

Not-for-profit describes an organisation that does not operate for the personal benefit of members, shareholders or for the generation or distribution of profit.

Use the Community Account Tariff Calculator to get an illustration of how much you'll pay per month with our Community Account.

• Deposits through the Immediate Deposit Machines (IDMs) are a cheaper option than depositing over the branch counter.
• IDM’s are available in most branches and allow you to pay in up to five cheques, or 50 notes, per transaction quickly and efficiently using your Business Debit or Cashpoint card, or cardless using sort code and account number.
• For cheques, the additional feature on the Mobile App Deposit Service is a cheaper option, refer to Pay in a Cheque for more information.
• Bank transfers into your account are free, for example - Automated credits, Faster payments, Internet/Phonebank credits. Have you considered this option? 

• Faster Payment Debits, Direct Debits, Internet/Phonebank Debits, Standing Orders, Internet Bulk Payments - the number of individual items within the bulk payment count towards the 100 amount.
• UK debit card payments and payments received from Third parties don't form part of the 100 monthly limit and aren't chargeable.

You can close secondary accounts if your mandate is one to sign by:

• Logging into online banking via your desktop (Unavailable via Mobile App)
• Select ‘More Options’ next to the account you want to close
• Select ‘Close this Account’

Alternatively, refer to Closing Your Account to close accounts you no longer require.

The account has not been updated to reflect this change.

• To update the account mandate with the correct organisation details, please complete the Make a Change Form
• If the account is no longer required, refer to Closing Your Account

The Charity product is for independently registered Charities with the respective charity regulators. In Scotland, to be recognised as a Charity, OSCR requires independent registration. There is no Excepted status in Scotland (unlike Charity Commission in England & Wales). If you register independently in the future, we may be able to move you to Charity Account, we will need your registration number to update your records in line with Ongoing Know Your Customer (OKYC) (to allow validation back to Office of Scottish Charity Register - OSCR).

We do not have a record of your Charity Registration, please get in touch to update your records.

To be eligible for the Charity Account an organisation needs to hold their own Charity registration number with one of the national Charity registration bodies. Our regulatory requirements state that the entity name must exactly match Charities Commission register and all the Trustees on Charities Commission or in the governing document of the registered charity must be listed on the bank account.

Organisations need to be registered with the Charities Commission to be eligible for our Charity Account. Other not-for-profit organisations that operate for the benefit of the wider community are eligible for our Community Account.

1. Excepted Charity status is only for organisations in England and Wales – if your postcode is in Scotland or Northern Ireland you do not have Excepted status.
2. Excepted Charity status is only for organisations with less than £100,000 income – our bank records show that you had more than £100,000 income last year.

Not-for-profit organisations that operate for the benefit of the wider community are eligible for our Community Account . Once registered please contact us and we will review your eligibility for the Charity Account and change your product.