Simply apply for the no-fuss and no monthly account fee bank account, and then within 30 days use the Current Account Switch Service to complete a full switch with at least 2 direct debits or standing orders If you're an existing customer with an overdraft, you can log on to online banking
Manage your money when you want Our phone, online and mobile banking services are there for you 24 hours a day, every day of the year. Withdraw up to $300 a day Get hold of your money when you need it. Enjoy peace of mind with an arranged overdraft You can apply for one when you open your account, giving you a handy safety net in case you ever need it. Overdrafts are subject to status
Get help day or night If you need a hand we're always here to help. Online, on our app, by phone and in branch. Pay bills and friends with ease Set up new payees, standing orders and direct debits in moments with our app
Controlling your finances is simple with our Mobile Banking app. Make payments,transfer fund pay in cheques with a photo, block or unblock your card. You can do it all in moments
Help your money work a little harder. As a Bank Account customer you can open a Regular Saver account. Earn 2.75% AER/gross, helping you build a nice little nest egg.
| Charges and overdraft | |
|---|---|
| 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 London, Age, 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. To find out more, visit our overdrafts page where you can find out if you’re eligible and overdraft cost calculator |
| Overdraft charges | When you open your account you can apply for an arranged overdraft. Anything you borrow within this limit will be charged interest at 19.9% EAR variable. If you go over your arranged overdraft limit you’ll also be charged $5 a day for each day you’re overdrawn (up to a maximum of $80 a month). This is known as using an ‘unarranged overdraft’. This is on top of the interest you’d have to pay. We provide a number of tools to help you avoid overdraft charges. For example, your account comes with a $10 buffer for unarranged overdrafts. This means that if you go into your unarranged overdraft by $10 or less, you won’t pay any unarranged overdraft charges or interest. We’ll also send you a text alert (if you’ve given us your mobile number) if an upcoming payment is going to make you overdrawn. To help you avoid overdraft fees we'll send you a text alert (if you've given us your mobile number) if a payment is going to take you into an unarranged overdraft. We'll also send you a text alert if there aren’t sufficient funds available in your account to make a payment. Representative example: 19.9% EAR variable (assumed arranged overdraft $1,200). Overdrafts are subject to status. |
Manage your accounts easily and securely Check out some of the things you can do with our mobile banking app Secure log on Easy transfers Mobile cheque deposits Mobile statements Block your card Balance After Bills .
Download the Capital Wave Trust Mobile Banking app from the app store. Accept the terms and conditions. Select 'Register for mobile and online banking'. Follow the on screen instructions to register and activate your Digital Secure Key. If you are already registered for online banking: You can use the Capital Wave Trust Mobile Banking app with your log on details for online banking. Simply download the app, accept the terms and conditions and select 'Log on
Interested in what we can do? Here’s the long list of features that are built into our mobile banking app to help you manage your accounts from the comfort of your home. Mobile cheque deposits Mobile statements Balance After Bills Apple Touch and Face ID Android Fingerprint Temporarily block your card Easy transfers Digital Secure Key Gambling restrictions Pay by Bank app Apply for a credit card Apply for a loan
Our Secure Key gives you added protection when you’re using mobile banking because it generates a code which only you will have access to. You must enter this code as well as your normal username and password. This is known as two factor authentication. Find out more about staying safe when banking digitally
Simply open an Capital Wave Trust Account then use the Current Account Switch Service within 30 days to complete a full switch (including at least 2 direct debits or standing orders)
Relax with free annual travel cover Enjoy free worldwide travel insurance from Aviva for you and your loved ones, including winter sports cover. Enjoy preferential terms on mortgages and savings Save money on your mortgage with preferential terms for you, your children and grandchildren. Plus, earn 2.75% AER/Gross on your savings with access to our Regular Saver. Stay on top of your global accounts If you have Capital Wave Trust accounts in other countries you can manage them all online, plus you can make fee-free transfers between them in minutes.
Spend flexibly with an arranged overdraft The first $500 of your arranged overdraft is interest-free, and it’s just 11.9% EAR above that. Overdrafts are subject to status. Overdraft representative example: 0% EAR variable on the first $500 and 11.9% EAR on the rest (assumed overdraft $1,000). Get it all for no monthly fee Experience all the benefits of a Capital Wave Trust account without having to pay for the pleasure
Discover a world of travel benefits and rewards. As a Premier customer you’ll have exclusive access to a choice of 2 credit cards, both of which give you reward points when you spend, discounted airport lounge access – and more besides. Representative example: 59.3% APR (variable) representative on an assumed credit limit of $1,000.
Your Capital Wave Trust account gives your loved ones access to a wealth of benefits, too. Your complimentary travel insurance covers your partner, children and grandchildren. You, your children and any grandchildren will also have access to preferential mortgage terms. And that’s not all.
| Charges and overdraft | |
|---|---|
| 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. To find out more, visit our overdrafts page where you can find out if you’re eligible and overdraft cost calculator |
| 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. 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 $1,000). 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. |
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