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The Gibraltar Gold Current account comes with a VISA debit card*, a local and friendly branch, as well as one essential feature for residents of Gibraltar – free card use abroad. Now you can use your N&P current account in Gibraltar, Spain, Portugal or anywhere else in the world without paying cash withdrawal, retail transaction charges or handling fees. This means that it’s ideal if you travel abroad regularly.
The Gibraltar Gold Current Account is only available to customers who are residents of Gibraltar.
No matter where you are, we won’t charge you for cash withdrawals**, retail transaction charges or handling fees. All we ask is that you use your account at least five times each month or have an average balance of £5,000 or you may be charged a low usage fee of £5 a month.
Source: Other provider’s websites. Correct as at 8 April 2013.
*VISA debit card is subject to status. **An overseas ATM or retailer may add their own charge. You would be told about this at the time of transaction.
Find out more about the charges and interest rates you could incur on this account.
Everyone has different needs and priorities at different times in their lives. As a Gibraltar Gold Current Account customer you can access a range of exclusive savings accounts with preferential rates as long as you fund your current account with at least £500 per month.
GOLD CLASSIC SAVER
- for savers who put a little away as and when, and need to be able to get to their money quickly. This account is ideal to work alongside your current account where you can move funds across to avoid going overdrawn. Find out more...
GOLD SAVINGS ACCOUNT
- for savers who like to put something away on a regular basis and watch it grow. Find out more...
NETMASTERGOLD SAVER II
- You have access to your cash around the clock, all year round, with no loss of interest. Save to suit yourself - a lump sum, as regular savings, or as and when you want. Find out more...
We’ll treat you as an individual and not ‘just a number’. You can call your local N&P branch directly whenever we are open. Call our Gibraltar branch direct on 200 45050 or pop into our branch on Main Street.
You can access your account at any time of day or night by registering with our Internet Banking service. You can view your savings accounts online, check balances, transfer money between your N&P accounts and even pay your bills.
If you make fewer than five transactions a month, you'll pay a low-usage charge of £5 a month - unless your average balance over the month is £5,000 or more.
Please note, if you open a Gibraltar Gold Current Account after 15th April 2013 you will not be eligible to receive an overdraft. Customers who have existing approved overdraft facilities on their Gibraltar Gold Current Account may continue to use them.
If you use your Gibraltar Gold Current Account to make payments when you do not have enough money in your account you will be charged. The interest rate for both approved and unapproved overdrafts is 17.9% EAR*. You also get a £10 fee-free buffer zone to help you manage your money and avoid overdraft charges if you only go overdrawn by a small amount (interest applies).
Unapproved overdraft charge
£19 per month
Approved overdraft charge
£5 per month
Unapproved overdraft interest rate
Approved overdraft interest rate
View all of the Gibraltar Gold Current Account rates and charges.
If you overdraw 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.
Paid item charges (for any payments that we pay which take you overdrawn without agreement or, if you are an existing customer with an approved overdraft limit, beyond your limit) and unpaid item charges (for any payments that we do not pay because they would take you overdrawn without agreement or beyond your approved overdraft limit) are just £15.
Click here for examples of what you could be charged if you go overdrawn.
There are a few things you should know before opening your Current Account.
Internet Banking Service Conditions
Current Account Conditions and Account Information.
If you would like any further information regarding these changes, please call us on +350 200 45050.
It doesn’t take long to apply for the N&P Gibraltar Gold Current Account, just book an appointment with one of our staff by calling us on 200 45050 or pop into our Gibraltar branch on Main Street. Appointments are usually available within 24 hours and it takes about 20 minutes to open the account (subject to status).
To apply you need to be a Gibraltar resident. Applicants must be 18 years of age or over and we must see evidence of your personal identity and address.
We are licensed and regulated by the Office of Fair Trading (“OFT”), for unsecured lending. Our Consumer Credit licence number is 0065495.
Norwich & Peterborough Building Society and N&P are trading names of Yorkshire Building Society. Yorkshire Building Society is a member of the Building Societies Association and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Yorkshire Building Society is entered in the Financial Services Register and its registration number is 106085. Principal office of Yorkshire Building Society: Yorkshire House, Yorkshire Drive, Bradford, BD5 8LJ, England, UK.
This site is intended for Gibraltar Residents unless otherwise stated. Yorkshire Building Society is authorised to conduct banking and insurance business in Gibraltar by the Gibraltar Financial Services Commission.
All communications with us may be monitored/recorded to improve the quality of our service and for your protection and security.