More than just a bank account

Discover an account that’s created for your constantly changing world. An account that helps you make the most of life – with complimentary worldwide travel insurance, family benefits, a choice of exclusive credit cards and more.

At a glance

  • Deal with unexpected expenses
  • Earn 2.75% AER/gross on your savings
  • Get it all for no monthly fee
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Rewards, prizes and surprisess

As an Advance account holder you’ll have access to exclusive offers. Get discounts on food, travel, shopping and more from some of the ’s biggest brands.

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24/7 customer support

You can call us 24 hours a day, any day of the year, and our customer service team will be happy to help. Alternatively, you can reach us by Live Chat, on social media, or by popping into a branch.

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Things you should know

Arranged overdrafts and unarranged overdrafts

An overdraft lets you borrow money on your current account. An arranged overdraft is where we agree an overdraft limit with you. This can help in months when you have extra expenses. An unarranged overdraft is when you make a payment that takes your account over your arranged limit or overdrawn when you don’t have an arranged overdraft in place. We’ll always consider an unarranged request and make the payment if we can. Unarranged overdrafts may incur higher fees and result in declined transactions. We report account activity, including overdraft usage, to credit reference agencies. An unarranged overdraft lasting more than 30 days could have a negative impact on your credit rating. Overdrafts are not suitable for long-term borrowing and usually result in interest and other fees. If you take an arranged overdraft, you can later ask us to increase, reduce or remove your limit at any time online, by phone or in a branch. If you end your overdraft you’ll have to repay any overdrawn amount and any interest owed. If you want to reduce your limit, you’ll first need to make sure you bring your borrowing down within the new limit.

Overdraft charges

If you have an arranged overdraft, the first $500 is interest free. Anything you borrow above that will be charged interest at 11.9% EAR variable. 33 View footnote 3 If you go into an unarranged overdraft, the amount you borrow will be charged at 11.9% EAR variable. Representative example: 0% EAR variable on the first $500 and 11.9% EAR on the rest (assumed overdraft $1,200). At present you don’t have to pay any monthly charges for using your Premier Bank Account overdraft, even if you go above your arranged overdraft limit. Overdrafts are subject to status.

Overdrafts text alerts

We’ll send you overdraft text alerts if you’ve used or are due to use an arranged or unarranged overdraft on your account. This is to help you monitor your usage and let you know what action you can take to avoid interest and fees. If you don't provide your mobile number or let us know when you've changed it, we won't be able to send you these text alerts. You can opt out of the arranged or unarranged texts at any time by phone, or by going into a branch.