Questions we get asked
Before you open an account.
If your question is not here, write to the desk. A person reads it and replies from a named address, usually within four working hours.
Ask us directlyA government-issued photo ID, proof of address dated within three months, and a phone number we can send a one-time code to. Residents of the fourteen markets we clear in can apply online; everyone else can apply at a branch.
The current account has no monthly fee and no minimum balance. Transfers within the eurozone are free. International SWIFT transfers carry a flat €18 plus the correspondent bank charge, which we show you before you confirm.
Domestic and SEPA transfers sent before 16:30 CET land the same working day. SWIFT depends on the corridor: two working days to the UK and US, up to four for Asia-Pacific. You can follow each leg in the transaction feed.
Yes. You keep the interest accrued up to the day you close it and there is no penalty. The only condition is that the remaining term is forfeited, which is arithmetic rather than a fee.
Deposits are covered to €75,000 per client under the deposit guarantee scheme of the jurisdiction holding the account. Joint accounts are covered per holder. Balances above the limit can be held in a segregated custody arrangement on request.
Apply from the lending screen and select the deposit you want to pledge. Because the collateral is already on our books, the decision is usually same-day and the rate is typically two points below an unsecured facility.