Which Gold Current Account is right for you?

apply online Our current accounts offer everything you would expect from a current account plus additional valuable benefits, making it even easier for you to be in control of your money. What’s more, our switching team go out of their way to make switching your current account easy for you.  

best debit card for use abroadWe have 2 current accounts available depending on your usage:

  • The Gold Classic account is a more rewarding and tailored way to manage your finances. It is suitable if you pay in £500 a month or have a balance of £5000, a £5 fee otherwise applies.

  • The Gold Light account is a simple account with all the features you need. It is suitable if you make at least 5 transactions a month or have a balance of £5000 or more, a £5 fee otherwise applies.

Gold Classic Gold Light
Plane FREE overseas debit card usage - No cash withdrawal and retail transaction charges or handling fees when using your N&P VISA debit card overseas. Please note, an overseas ATM or retailer may add a charge. You would be told about this at the time of transaction. Yes Yes
Sentinel Sentinel Gold® cover - Relax in the knowledge that your keys, bag and money are covered against theft and loss. All benefits are subject to terms, conditions and exclusions. Yes No
Fee FEE-FREE £250 overdraft*  for the first 6 months when you switch and overdraft matching if you transfer your account to N&P (subject to certain criteria and T&C’s). Yes  No 
Switching It’s so much easier to manage your money if all your income and payments operate from the same current account. N&P promise to support you with a dedicated switching team who are skilled in current account transfers. Yes Yes
Piggy bank Exclusive savings accounts - Exclusive accounts with preferential rates to help you save. Yes No 
Share Dealing Exclusive discounted share dealing rates - A simple flat rate for you to trade shares whenever you like. Yes No 
25 yrs of current account We’re focused on service. We’ll treat you as an individual and not ‘just a number’. And, since we’ve been in banking for 25 years, you can be assured that you’re in good hands. Yes Yes
Fee free buffer We know that sometimes you may go overdrawn by a small amount without intending to.  Our £10 fee-free buffer will waive fees if you remain within the £10 buffer. Interest will still continue to be charged at the appropriate rate on the full amount of the overdraft. Yes Yes
Internet Banking Internet Banking ( Banking online means you can conveniently access and manage your account 24 hours a day, 365 days a year.). Yes Yes 

* Representative Example
If you go overdrawn on 5 March for up to the maximum of £250 for 3 months, you will incur a £5 fee for each month or part month you are overdrawn and incur interest at 16.58% p.a. variable (17.90% EAR** variable). The total charge would be £31.28.

**EAR stands for Equivalent Annual Rate and does not take into account any additional charges (e.g. monthly charges) which may be applicable.

Apply online or Call 0845 300 2511