An extra benefit bank account

You can apply for an arranged overdraft with this account, and benefit from our preferential overdraft interest rates, exclusively for Gold account customers.  

An arranged overdraft is available to those who meet certain conditions. You can either apply for your overdraft as part of the Gold account application, or add it onto your account at a later time.

More about arranged overdrafts

If applying for a joint bank account, please make sure you have the ID details for both people who want to be named on the account to hand.

Our mobile banking app gives you the choice of doing your banking when it suits you, direct from your phone.

Whether you want to check your balance, transfer money to a savings account or make a payment to a friend for your share of dinner, our app allows you to bank at your fingertips.

Our app is available to customers who have Online banking and a Channel Islands, Isle of Man, UK or international mobile number (available in 18 countries).

More about our Mobile app

Beat the queues and manage your banking from the comfort of your own home. You can complete the vast majority of transactions available in branch via our Online banking service. 

Online banking is available to customers aged 11+ with a Isle of Man Bank account. We'll automatically enrol you for Online banking if you choose to apply for a Gold account.

More about Online banking

Gold account travel insurance offers comprehensive cover when travelling including claims arising from epidemic or pandemic diseases and winter sports cover.

If you experience difficulties while abroad, you can rest easy with the 24/7 emergency medical assistance. Wherever you are in the world, one simple phone call will provide you with instant help and support, day or night.

Gold travel insurance is underwritten by AWP P&C SA and administered in the UK by Allianz Global Assistance. If you have an existing medical condition, you may have to pay an additional premium or accept that your cover may exclude certain conditions.

More about Gold travel insurance

Your Private Motor Excess Insurance can refund the excess you may have to pay following a successful claim under any separate car insurance policy you hold.

To refund the excess, the claim on your car insurance needs to be more than the excess you have to pay. Cover is available for persons who own and insure their private motor vehicle. £3,000 is the maximum limit under this policy.

Gold Private Motor Excess Insurance is provided by AWP P&C SA and administered in the UK by Allianz Global Assistance.

More about Private Motor Excess Insurance

Need help with restaurant bookings, flights, holidays, car hire or concert tickets? A 24/7 concierge service, provided by Ten, is exclusively for Gold account customers and can help you to make the most of your valuable time.

More about Ten concierge

Interest is calculated daily and paid monthly.

Annual Equivalent Rate (AER). This is a notional rate used for interest bearing accounts which illustrates the interest rate if paid and compounded each year. It helps you to compare the effective rates of credit interest on different accounts.

Gross Rate. This means the interest rate you are paid before the deduction of basic rate income tax.