M&S Bank: Premium Current Account => £1,000 per month

Provider:
M&S Bank
Account:Premium Current Account => £1,000 per month
Account ratings
Account ratings
Online service - 4.72
Call centre service - 4.51
Branch service - 4.53
Trustworthiness - 4.69
Opening the account
Minimum Income £0
Minimum Age 18 years
Maximum Age -
Existing customers only -
Area restrictions There are no area restrictions
Overdrafts and charges
Monthly Charge £10
Overdraft facilities
Automatic overdraft facility £500
Interest Free Overdraft Limit £100
Authorised overdraft rate 15.9% APR/EAR
Authorised overdraft charge There is no charge for an authorised overdraft.
Unauthorised overdraft rate 0% APR/EAR
Unauthorised overdraft charge Not applicable - an unauthorised overdraft is not permitted.
Overdraft related charges Paid item max fee - £0
Paid item max no - 0
Unpaid item max fee - £0
-
Stepped cheque charge - £12
Overseas charges (Europe only) Forex fee - 2.75%
Charge for £100 ATM withdrawal - £0
Charge for £100 debit card transaction - £0
Account charges ATM withdrawal - £0
Transactions - £0
Bankers draft - £20
Special clearance - £0
CHAPS - £20
Duplicate statement - £0
Interest rates and other incentives
Headline interest rate 0% AER
Rate tiers
Gross Rate Excluding BonusGross Rate Including BonusAER
£00.00%0.00%0.00%
Maximum balance for interest -
Minimum initial deposit £0
Minimum Monthly Credit £1,000
Interest paid na
Incentives Annual travel insurance -
Breakdown insurance -
Discount vouchers -
Savings sweep -
Other Insurance - no
Service information
Free banking
Account access Telephone
Branch
Internet
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
Passbook
Maximum ATM withdrawal £500
Time for cheque to clear 3 days
Statement frequency monthly