Gold Bank Account

At a glance (key features)

• A Gold Visa debit card which gives you direct access to your Gold Bank Account in Sterling, Euro or US dollar currencies
• Monthly statement to help keep track of your spending
• Online Banking and Telephone Banking to manage your money
• Our Foreign Exchange service offers commission-free rates whenever you need to change currency. Sterling, Euro or US Dollars can be exchanged between your accounts. Although our Foreign Exchange rates are commission free, there will be a charge applied for international payments and receipts.
• No monthly fee

Full details

Your new Visa debit card will come with contactless technology

Contactless technology is a fast, easy and secure way to pay for goods and services without entering a PIN. The contactless limit, set at a maximum of £30 per transaction in the UK, will vary in other countries. Contactless cards have an embedded antenna in the plastic so that when they are used at a contactless reader they securely transmit purchase information to and from the contactless reader. All you have to do is place your contactless card over the contactless reader to make the payment.

• You can use it wherever you see the contactless symbol displayed.
• You can pay for items under the contactless limit in seconds.
• You can pay for items without needing to enter your PIN.

Is contactless secure?

• Your contactless card comes with built‑in security features.
• We will occasionally ask you to enter your PIN during a contactless transaction just to make sure it’s always you using the card.
• If your card is lost or stolen, we cover any transactions that are made as long as you have taken the correct precautions.

What are the benefits of contactless technology?

• It’s faster and easier than other types of payment.
• You don’t always have to carry cash or worry about looking for exact change when making small value everyday purchases at participating retailers.
• You don’t have to enter your PIN for contactless payments (you may occasionally be asked to enter your PIN as a security measure to verify that you, the authorised cardholder, are still in possession of the card).
• There’s no need to queue for so long; contactless speeds up the time it takes to make a payment.
• You are in control because your card never has to leave your hand when making a payment at the reader.
• You will have a record of all your everyday purchases on your account statement.

Direct access to your money

Visa is accepted at over 35 million outlets worldwide across 200 countries, so you can easily and conveniently access your Gold Bank Account.

There are no charges for cash withdrawals in the same currency as your account. However cash withdrawal limits apply. When you withdraw cash or make a purchase in a different currency to that of your card, we will charge a foreign exchange commission, which will not exceed 3%.

Lost or stolen Visa card

If your card is lost or stolen while travelling

• An emergency card can be delivered within 48 hours by calling Visa. Please note that you won’t be able to use your emergency card at ATMs as these cards don’t have a chip facility
• If your card is lost or stolen at any time, normally you will not be liable for any fraudulent transactions, as long as you tell us as soon as you become aware that your card is missing and you have satisfied certain security requirements

Our charges for the Gold Bank Account

*We will not charge for cash withdrawals from ATM's in the same currency as your account but foreign banks may levy a charge. When you withdraw cash or make a purchase in a different currency to that of your card, we may charge a foreign exchange commission, which will not exceed 3% of the total withdrawal or purchase amount.

For full details of other charges that may be applied to your account, please refer to our Charges leaflet.

Protection against fraud

We take the security of your accounts very seriously and apply a range of protection measures:

• Our Gold Visa debit card benefits from the Chip and PIN secure card payment systems.
• Verified by Visa adds an additional layer of protection to online purchases made with your Gold Visa debit card. Please read our Verified by Visa leaflet.
• We apply a range of protection measures whenever you communicate your travel plans with us through our Telephone Banking or Online Banking services.
• We also guarantee you against any losses from fraud committed against you while you are using our Online Banking service, as long as you have taken all the necessary safeguards and precautions with your security details.

Click here to download the Gold Bank Account leaflet for international customers.

Click here to download the Gold Bank Account leaflet for Channel Islands and Isle of Man residents.

Please refer to the General Terms and Conditions for the Gold Bank Account.

Apply

To apply please call us on 08000 84 28 88, if calling from a UK landline or mobile or +44 (0) 1534 885 000 (Jersey branch) or +44(0)1624 641 888 (Isle of Man branch). We’re open Monday to Friday, 9am – 5pm UK time (except Wednesday when we open slightly later at 9.30am). Calls may be recorded or monitored. Alternatively, if you're a new customer you can complete our online account enquiry form, or if you're an existing customer you can complete our online customer query form or you can download our application form.