One page. Every plan. No asterisks.
If a charge exists, it is on this page or on the rates page. There is no third document.
Everyday
Day-to-day money that should just work.
$0/month
No minimum balance
Open Everyday- Contactless debit card
- Fee-free at 3,100 ATMs
- $100 interest-free buffer
- Salary up to 2 days early
Premier
For balances that sit still and should be earning.
$14/month
Waived above $5,000
Open Premier- Everything in Everyday
- 1.85% APY on your balance
- No foreign transaction fee
- Metal card & priority line
Student
Ages 17–24, in full-time education.
$0/month
Free for five years
Open Student- Everything in Everyday
- $250 interest-free overdraft
- No fees abroad
- In-app budget coaching
| Feature | Everyday | Premier | Student |
|---|---|---|---|
| Monthly fee | $0 | $14 (waived above $5,000) | $0 |
| Interest on balance | — | 1.85% APY | — |
| Arranged overdraft buffer | $100 | $500 | $250 |
| Foreign transaction fee | 2.5% | None | None |
| Outgoing domestic wire | $18 | Free | $18 |
| Card type | Contactless | Metal | Contactless |
| Phone support | Standard queue | Priority line | Standard queue |
| Joint account available | Yes | Yes | No |
Starter
Sole traders and businesses under $250k turnover.
$0/month
Open Starter- 50 free transactions/month
- 2 debit cards
- Accounting sync
Growth
Trading businesses with payroll and suppliers.
$29/month
Open Growth- 200 free transactions/month
- Named relationship manager
- Multi-user roles & approvals
- Merchant rate 1.4% + 10¢
Commercial
Multi-entity groups and $10M+ turnover.
Bespoke
Talk to us- Unlimited transactions
- Full treasury platform
- Facilities to $40M
- Trade & FX desk access
| Feature | Starter | Growth | Commercial |
|---|---|---|---|
| Monthly fee | $0 | $29 | Bespoke |
| Free transactions / month | 50 | 200 | Unlimited |
| Additional transaction | $0.35 | $0.25 | — |
| Relationship manager | Shared team | Named | Named + analyst |
| Users on the account | 2 | 10 | Unlimited |
| Same-day ACH & wires | — | Yes | Yes |
| Merchant services rate | 1.7% + 10¢ | 1.4% + 10¢ | Negotiated |
| Sweep & liquidity tools | — | — | Yes |
| Maximum credit facility | $150,000 | $2,000,000 | $40,000,000 |
All pricing is illustrative sample content for this template.
Yes, in the app, at any time, in either direction. Your account number, cards, direct debits and integrations stay exactly as they are — only the fee and the feature set change, from the next statement period.
The fee is assessed on your average balance across the statement period, not on a single bad day. If the average falls below $5,000 the $14 fee applies for that month only, and we notify you before it is taken.
No. Everything we can charge you is either on this page or in the fee schedule on the rates page. If a charge is not in one of those two places, we do not levy it.
Yes, and most of our small-business customers do. They stay legally separate but sit under one login, so you can move money between them instantly and see both in one place.