Loading
Personal
Six products, each with its rate, its fees and its limits stated up front. Nothing is introductory, nothing reverts after six months.
The account your salary lands in
A current account in any of fifteen currencies, with a debit card, instant transfers to other ICB customers, and an arranged overdraft you can see before you use it.
0.25%
AER on credit balances
Interest that accrues daily
Instant-access savings with interest accrued every day and capitalised monthly. Set goals, round up your spending into them, and watch the progress against a date you choose.
4.15%
AER, variable
A rate you lock in
Commit for a term between one month and five years and take a fixed rate for the whole of it. Break early if you must — the penalty is quoted before you confirm, never after.
5.20%
fixed, 12-month term
Controls that actually decline
Physical and virtual cards with limits and controls enforced at authorisation. Freeze in one tap, unfreeze in one tap, and see the hold appear on your balance the moment it is placed.
0.00
to issue a virtual card
A decision you can read
Borrow between 1,000 and 50,000 over one to seven years. Every decision comes with the factors that produced it — approved or declined, you see the reasoning.
from 8.9%
representative APR
A decision in principle in minutes
Fixed and tracker mortgages for first-time buyers, movers and remortgages. The decision in principle is free, does not touch your credit file, and shows the exact borrowing figure it is based on.
from 4.85%
2-year fixed, 60% LTV