M&S Bank: Premium Current Account < £1,000 per month

M&S Bank
Account:Premium Current Account < £1,000 per month
Account ratings
Account ratings
Online service - 4.72
Call centre service - 4.51
Branch service - 4.53
Trustworthiness - 4.69
Opening the account
Minimum Income £0
Minimum Age 18 years
Maximum Age -
Existing customers only -
Area restrictions There are no area restrictions
Overdrafts and charges
Monthly Charge £10
Overdraft facilities
Automatic overdraft facility £500
Interest Free Overdraft Limit £100
Authorised overdraft rate 15.9% APR/EAR
Authorised overdraft charge There is no charge for an authorised overdraft.
Unauthorised overdraft rate 0% APR/EAR
Unauthorised overdraft charge Not applicable - an unauthorised overdraft is not permitted.
Overdraft related charges Paid item max fee - £0
Paid item max no - 0
Unpaid item max fee - £0
Stepped cheque charge - £12
Overseas charges (Europe only) Forex fee - 2.75%
Charge for £100 ATM withdrawal - £0
Charge for £100 debit card transaction - £0
Account charges ATM withdrawal - £0
Transactions - £0
Bankers draft - £20
Special clearance - £0
CHAPS - £20
Duplicate statement - £0
Interest rates and other incentives
Headline interest rate 0% AER
Rate tiers
Gross Rate Excluding BonusGross Rate Including BonusAER
Maximum balance for interest -
Minimum initial deposit £0
Minimum Monthly Credit £0
Interest paid na
Incentives Annual travel insurance -
Breakdown insurance -
Discount vouchers -
Savings sweep -
Other Insurance - no
Other incentive - An in branch pager service to let the customer know when an assistant is free, to save the customer needing to queue. Existing customers of M&S Bank receive exclusive offers and rewards across many of their products. Details available on www.bank.marksandspencer.com
Service information
Account access Telephone
Post office
Services available Standing order
Direct debit
Bill payment
Round-up savings
Text alerts
Text mini statements
ATM mini statements
Cards / cheques provided Debit card
ATM card
Maximum ATM withdrawal £500
Time for cheque to clear 3 days
Statement frequency monthly