You are here: N&P Gibraltar > Current Account
Unfortunately, applications for new Gibraltar Gold Current Accounts are no longer available.
Did you know that you can manage your N&P current account online through our secure Internet Banking Service? You can then have access to your account 24 hours a day, 365 days a year. Once registered you can:
Register here for Internet Banking.
If you are an existing Gibraltar Gold Current Account customer you can enjoy free VISA debit card* usage worldwide.
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 we may close your account.
*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. The exchange rate used for currency conversions is the wholesale rate of exchange applied by VISA.
Find out more about the interest rates and charges you could incur on this account.
If you make fewer than five transactions a month or your average balance over the month is £5,000 or more, we may close your account.
Please note, new Gibraltar Gold Current Account customers are not eligible for an agreed overdraft facility, at any time. Customers who have existing approved overdraft facilities on their Gibraltar Gold Current Account may continue to use them but no new applications for overdrafts facilties will be considered.
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 interest 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.
# From 1 January 2014, N&P capped the charges for the total combined unapproved overdraft usage, unpaid item and paid item for each account (i.e. cheques, standing orders or Direct Debits issued without having sufficient funds in your account for payment). The cap is set at £79 so for unapproved overdraft usage, unpaid item and paid item charges you will never be charged more than the capped amount in a calendar month for each account. Any of these charges incurred in December 2013 (which won’t have a cap applied) will be notified to you on your January statement and be debited on the last day of that month.
If you are an existing customer and hold an N&P Gibraltar savings account you can view the following current account information here:
Current Account Conditions and Account Information
Internet Banking Service Conditions
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.
References to 'YBS Group' or 'Yorkshire Group' refer to Yorkshire Building Society, the trading names under which it operates (Barnsley Building Society, the Barnsley, Chelsea Building Society, the Chelsea, Norwich & Peterborough Building Society, N&P and Egg) and its subsidiary companies.
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