EU and EEA countries where we can no longer provide some financial services
We’re no longer able to provide current accounts, savings accounts or credit cards for members and account holders living in certain European countries.
We’ll write to you
If we can no longer keep your accounts open, we’ll write to you to let you know. We’ll make sure you have enough time to make alternative arrangements.
Unless otherwise stated in your letter, we’re no longer able to provide these products and services in the following countries:
- the Netherlands
- Italy
This is based on our current understanding of the rules around continuing to provide accounts in these EU and European Economic Area (EEA) countries.
If you’re a member living in one of these countries, please review your current finances and make alternative arrangements. We must ensure all current and savings accounts are closed, and credit cards are closed or suspended, by the date stated in your letter.
Update your details with us
Make sure we have the right contact details for you. If you have recently moved, you can update your address via the Internet Bank or by calling us on +44 1793 81 05 57. Lines are open Monday to Saturday, 8am to 6pm GMT. Closed Sundays and bank holidays. International call charges may apply.
Close your accounts with us
You may need your current account to manage your savings or to pay any outstanding balances before the date stated in your letter. Keep this in mind before you close it.
Savings accounts that are maturing
Some savings accounts have a maturity date. If you live in the EU or EEA, you cannot keep these accounts open once they’ve matured to a different account. This includes them moving to an instant access product.
Savings account products with a maturity date include:
- Child Trust Funds
- fixed-rate savings (for example, bonds or fixed-rate ISAs)
- Smart Junior ISAs and other children’s accounts
- other fixed-term savings products
We’ll write to you with advice on how to close these accounts. You’ll be given at least 2 months’ notice of closure when the account is about to mature.
Current accounts that are due to move to a different product
Some current accounts, like those for students, move to a different type of current account product after a certain amount of time, like a graduate account. If you live in the EU or EEA and your account is due to move to a new product in the future, you cannot keep these accounts open once they’ve moved to a different product.
Affected current account products include:
- FlexOne
- FlexStudent
- FlexGraduate
We’ll write to you with advice on how to close these accounts. And if you have an arranged overdraft, we’ll write to you with a deadline for repaying this. You’ll be given at least 2 months’ notice of closure when the account moves to a new product.
If you don't do anything before the date in your letter
For current accounts and savings accounts, if you don’t do anything before the date in your letter, we’ll have to close your account. When your account is closed, you cannot make or receive any payments and your money won’t earn any interest.
We’ll keep your money safe for you, and we’ll write to you again to explain how to access it. If you have an overdraft, pay it off before we close your account.
For credit cards, if you’re unable to repay the balance, we’ll suspend your card on the date in your letter. You then won’t be able to use it for any future purchases or other transactions such as balance transfers or cash machine withdrawals.
You can continue repaying your credit card balance after the date stated in your letter, in line with your terms and conditions.