Keep your spending and your savings side by side.

Choose a checking account for everyday spending, a savings account for money you want to put aside, or both. You can ask for more accounts in other currencies from online banking whenever you like.

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Already bank with us? Sign in to add another account from the Accounts page.

An older couple sitting on a sofa, one holding a phone and the other a bank card

You can open a checking account, a savings account or both.

Both accounts sit in the same online banking profile, so moving money between them takes a moment.

Checking

For everyday spending, bills and getting paid.

  • Instant transfers to other customers of the bank
  • International transfers and bill payments, reviewed by our team
  • Check deposits from online banking
  • A virtual or physical debit card linked to it
  • No limit on the number of withdrawals
  • Monthly statements and a receipt for every payment
Open a checking account

Savings

For money you want to keep apart and watch grow.

  • Interest worked out on your balance and paid into the account every month
  • A monthly withdrawal allowance that helps your savings last
  • Money coming in never counts toward that allowance
  • Move money to checking with your transaction PIN
  • A debit card can be linked here too
  • Its own statements and history
Open a savings account
A family sitting together at a kitchen table with a laptop and a tablet

You can check every interest payment for yourself.

Once a month we take the balance of your savings account, apply our yearly savings rate and pay one twelfth of it into the account. The rate in use is always shown on the Accounts page in online banking.

  • Paid every monthInterest arrives as its own line in your history, so you can see exactly what you earned.
  • A notification each timeWe let you know in online banking and by email when the interest lands.
  • On your statementEvery interest payment appears on the monthly statement for the account.
Savings accounts come with a set number of withdrawals each calendar month, and online banking shows how many you have left. Transfers, bill payments, exchanges, card top-ups and loan payments all count as withdrawals. If one of them is declined or reversed, you get that withdrawal back.
A woman walking with her suitcase near an airport

You can keep your money in more than one currency.

Choose the currency of your first account when you sign up, then ask for more accounts in other currencies from online banking. Our team activates each new account and lets you know when it is ready.

  • Exchange between your own accountsBefore you confirm, we show you the rate and the exact amount that will arrive in the other account.

Every account comes with the tools you use most.

Transfers

Send money to another customer instantly, or to a bank in another country after a quick review by our team.

Bill pay

Pay your utilities, phone and other bills from your account, and follow each payment until it completes.

Check deposits

Photograph the front of a check, and the back if you have it, and send it to us from online banking.

Saved payees

Save the people and businesses you pay often, so your next payment takes a few seconds.

Currency exchange

Move money between your own accounts in different currencies at the rate we show you first.

Statements and receipts

Open a printable monthly statement for any account, or a receipt for a single transaction.

Here is how daily limits work and which payments we review.

Daily sending limit

Every profile has a daily limit on what can leave its accounts. Your dashboard shows how much you can still send today, and if you need more, write to us and we will look at it with you.

Before you are verified

Until we confirm your identity, a lower daily limit applies. Upload your ID and a selfie in online banking to lift it.

Payments we review

International transfers, bill payments, and check deposits are checked by our team before they complete. If we decline one, any money we held goes straight back.

You can open your account in a few minutes.

Sign up online, and you can start using your account as soon as you finish.

Open an account Sign in

Here is how we look after every account.

Two checks at every sign inYour password first, then a 6-digit PIN that only you know.
Your PIN on every paymentMoney only leaves your account once you confirm it with your 4-digit PIN.
An alert for every changeWe tell you in online banking and by email whenever something changes.
A real person behind every replyWhen you write to us, a member of our team answers you in writing.