Bank of the West
Personal Banking

Banking That Fits Your Life

From everyday spending to long-term savings, our personal banking products are designed with your financial goals in mind.

Current Accounts

Choose the account that suits your lifestyle.

Classic Account

Free

0.00% AER

  • Contactless debit card
  • Instant mobile app notifications
  • Arranged overdraft facility
  • Free Faster Payments
  • Current Account Switch Service
Most Popular

Premium Account

£15/month

1.50% AER (up to £5,000)

  • Worldwide travel insurance
  • Mobile phone protection
  • UK roadside breakdown cover
  • Fee-free foreign transactions
  • Priority customer support

Student Account

Free

2.00% AER (up to £2,000)

  • Fee-free overdraft up to £1,500
  • Digital budgeting tools
  • Student discount perks
  • Mobile banking app
  • No monthly fees

Savings Accounts

Maximise your returns with competitive rates.

Easy Access Saver

2.55% - 4.50% AER

Unlimited access

Min. deposit: £1

1-Year Fixed Bond

4.80% AER

12 months locked

Min. deposit: £1,000

3-Year Fixed Bond

5.00% AER

36 months locked

Min. deposit: £1,000

Cash ISA

4.25% AER

Tax-free, flexible

Min. deposit: £1

Credit Cards

Classic Credit Card

APR: 22.9% APR variableFee: Free

Up to 56 days interest-free on purchases. Digital card controls.

Rewards Credit Card

APR: 28.9% APR variableFee: £30/year

1% cashback on purchases. Fee-free foreign transactions. Priority support.

Looking for a Loan or Mortgage?

Explore our competitive rates and use our calculator to plan ahead.