Information correct as of 13th March 2019
This is an uncertain time with the UK’s exit from the EU still to be agreed. We’ve included the most frequently asked questions on your products and services below.
Nothing has changed. There is no immediate impact on your ability to access your existing banking products and services.
Yes. The current method of currency exchange does not change.
Yes. You shouldn’t have any issues. The current method of currency exchange does not change
Yes. The use of ATMs and how you use your cards to pay for goods or services doesn’t change.
No, at present there are no immediate impacts on your ability to access your existing banking products and services.
No, at present there are no immediate impacts on your ability to access your existing banking products and services
No, at present your cover will remain the same. You should ensure you read your Added Value Account Welcome Pack before travelling to ensure that you have the right level of insurance cover.
If your travel plans are cancelled, curtailed, disrupted or delayed by your travel agent, tour operator or public transport operator due to Brexit, there is cover under your travel policy for certain pre-paid costs, if you can’t get a refund from the travel provider. Please refer to your Welcome Pack for full details of the circumstances covered, what do to in this situation and the policy conditions limitations and exclusions that apply.
No, this feature applies across the world so we do not anticipate any change.
No, there is no change to the way you earn Avios. The number of miles required for redemption is set and managed by Avios as part of the broader programme.
Nothing has changed. There is no immediate impact on your ability to complete Balance Transfers or Money Transfers.
Yes, you can continue to make these payments from abroad.
No. Internet Banking is not affected.
You can also continue to access your bank account through our mobile app, if you have it.
Yes. At present, products and services will remain the same. You can continue to use our banking and insurance services as you currently do.
You continue to be protected through current legislation, and our internal policies. Your data will continue to be held in the most secure way.
Generally our savings accounts are only available to UK residents, unless you are a Crown employee or their partner and looking to open an ISA.
If you’re no longer a UK resident for tax purposes, existing cash ISAs will continue to receive interest tax free, but unless you are a Crown employee or their partner, you won’t usually be able to pay any more money into it.
For Junior Cash ISAs, payments can still be made into the account if the child no longer lives in the UK.
Your deposits and investments continue to be protected by the Financial Services Compensation Scheme.
The Prudential Regulation Authority and Financial Conduct Authority remain our primary regulators.
You can continue to use our banking and insurance services as you currently do.
There are no changes to our mortgage products, rates or services.
If you are a UK permanent resident, and have a primary registered UK address you will be able to make a mortgage application.
If you are able to maintain your payments then you will be able to renew your mortgage rate subject to standard policy conditions. However, if you are experiencing difficulty in meeting your monthly mortgage payments you should contact our Payment Assistance Line (PAL) for help.
Yes, you are legally bound by the terms and conditions that you signed when taking your loan, this includes making the contractual monthly repayments in pounds sterling. If you wish to settle your loan there are a number of options to allow you to do this. You can pay off your loan by logging on to Internet Banking, calling us on 0330 123 3890 (Mon–Sun 8am–10pm) or visiting your local branch.
At present we don’t anticipate any changes to how you make and receive payments to and from these countries.
The EU currently consists of:
Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and the UK.
The EEA includes EU countries and also Iceland, Liechtenstein and Norway.