Clydesdale Bank: Current Account Control

Clydesdale Bank
Account:Current Account Control
Account ratings
Account ratings
Online service - 4.24
Call centre service - 3.91
Branch service - 3.92
Trustworthiness - 4.23
Opening the account
Minimum Income £0
Minimum Age 16 years
Maximum Age -
Existing customers only -
Area restrictions There are no area restrictions.
Overdrafts and charges
Monthly Charge £8
Overdraft facilities
Automatic overdraft facility £0
Interest Free Overdraft Limit £0
Authorised overdraft rate 18.85% APR/EAR
Unauthorised overdraft rate 0% APR/EAR
Unauthorised overdraft charge There is no charge for an unauthorised overdraft other than unauthorised overdraft interest.
Overdraft related charges Paid item max fee - £0
Paid item max no - 0
Unpaid item max fee - £0
Stepped cheque charge - £10
Overseas charges (Europe only) Forex fee - 0%
Charge for £100 ATM withdrawal - £4
Charge for £100 debit card transaction - £3
Account charges ATM withdrawal - £0
Transactions - £0
Bankers draft - £30
Special clearance - £15
CHAPS - £24
Duplicate statement - £5
Interest rates and other incentives
Headline interest rate 0% AER
Rate tiers
Gross Rate Excluding BonusGross Rate Including BonusAER
Maximum balance for interest -
Minimum initial deposit £0
Minimum Monthly Credit £0
Interest paid na
Incentives Annual travel insurance -
Breakdown insurance -
Discount vouchers -
Savings sweep -
Other Insurance - no
Other incentive - This account usually stops payments being processed that would incur unplanned borrowing charges, by returning unpaid items that would place the account in unarranged borrowing position, although there are exceptions for example: - if there is not enough money in the account to cover the monthly fee or any interest charges - the debit card is used at a retailer that doesn't check whether there are available funds for the purchase this usually happens with smaller transactions - money is spent abroad, and the foreign exchange rate fluctuates between the date the transaction is made and the date it's charged to the account - the Bank has had to take the money from the account when a cheque paid in is returned unpaid - a transaction is passed to the Bank from a retailer outside of the Bank's normal timescales for processing transactions - the customer has agreed that a retailer may charge a higher amount than originally authorised or substitute different goods after a card purchase was authorised (for example where substitute goods may have a higher price or in the case of transactions for hotels or car hire services). If unarranged borrowing does occur, there are is no charge other than unarranged overdraft interest
Service information
Free banking
Account access Telephone
Post office
Services available Standing order
Direct debit
Bill payment
Round-up savings
Text alerts
Text mini statements
ATM mini statements
Cards / cheques provided Debit card
ATM card
Maximum ATM withdrawal £350
Time for cheque to clear 4 days
Statement frequency monthly