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The account your salary lands in
Everyday Current
One account for the money you live on: paid in, spent, moved and saved from. Fifteen currencies, a card whose controls actually decline, and every posting visible the moment it happens.
0.25%
AER on credit balances
Rates & fees
- Credit interest
- 0.25% AER
- Monthly maintenance
- Free
- Domestic transfer
- Free
- Same-day wire
- 12.00
- Arranged overdraft
- 14.9% EAR
What you get
Instant, any hour
Transfers to other ICB customers settle in seconds, at 3pm or 3am, weekends included.
A card you control
Per-channel and per-category switches are enforced at authorisation, not merely recorded.
Told as it happens
A notification on every authorisation, hold and posting — the balance never moves silently.
Statements from the ledger
Every PDF is generated from the ledger itself, so it always reconciles to the cent.
Who can apply
The headline criteria, stated plainly. Full eligibility is confirmed during the application itself.
You will need
- Aged 18 or over
- Resident in a supported country
- A valid photo ID — passport or driving licence
- Proof of address dated within the last three months
How it goes
Apply online
About ten minutes, from any device. Save part-way and come back whenever you like.
Verify your identity
A photo of your ID and a short liveness check, reviewed within one business day.
Start using it
Your product is opened and ready the moment verification clears — no branch visit.
Questions, answered
Is there really no monthly fee?
None. Everyday Current is free to hold. You pay only for the things listed above — a same-day wire, a replacement card, an overdraft you actually use.
How does the arranged overdraft work?
You request a limit up to 500 and see the cost, at 14.9% EAR, before you accept. The limit then shows as part of your available balance, so you can never drift into it unknowingly. Unarranged borrowing is declined, not charged.
Which currencies can I hold?
Fifteen, including GBP, EUR, USD and GHS. Each has its own account details, and converting between them costs a single 0.35% spread with no fixed fee.
Open an account in under ten minutes
Verify your identity, choose your currency, and start moving money the same day.
Get started