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Personal Current Account FAQs - colleague only

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The easiest way to check your balance or transactions on your current account is by logging into the Tesco Bank Mobile App or Online Banking 24 hours a day. Alternatively you can call us on 0345 835 9563* Lines are open 24 hours a day, seven days a week. Calls may be recorded. *This number may be included as part of any inclusive call minutes provided by your phone operator.
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Here you can find out about all our  fees, charges and rates .   *overdrafts *unarranged overdrafts *international charges *all other charges
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You won't collect Clubcard points on cash withdrawals and deposits, buying travel money (cash or travellers cheques) or using your card at other banks and building societies.   Find out more about collecting Clubcard points .  
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When applying for a current account, we will carry out a credit check to assess the type of card we can offer, and whether we can offer you any form of overdraft. Although switching your account won't affect your credit rating, opening a new account may.   If any payment issues happen as a result of the switch, we will correct these issues and ensure your credit rating is not affected.    Please note that lenders may look at how long you have been with your current bank before offering you credit.
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Yes, you can switch your account if you're overdrawn, but we can't switch your overdraft.   We may be able to offer you a new overdraft, subject to our normal lending criteria.   However, we can't guarantee that you'll be offered an overdraft or, that you'll be offered the same amount that you owe on your old account.   You'll have to make separate arrangements to repay your old bank or building society what you owe.   You can apply for an overdraft with us when you apply for a current account or through Online Banking once your account is open.
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Arranged overdraft   An arranged overdraft is an agreed overdraft facility that's set up on your account. It allows your balance to be overdrawn up to the agreed overdraft limit. You'll be charged interest on the overdrawn balance. You will not be charged if you don't use this facility.   Use our  Overdraft Calculator  to find out what you'll pay when you use your overdraft.    Unarranged overdraft   When you don’t have enough cash in your account, or within your overdraft limit, to cover a payment you'll go into an unarranged overdraft. You'll be charged interest on the balance and you'll be charged £5 each time a payment takes you in to, or further in to, an unarranged overdraft.  The monthly cap on your Current Account for unarranged overdraft charges and paid or unpaid transaction fees is £75.
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Yes, closure of the old account is part of the Current Account Switch Service.   Any payments made to and from your old account will be automatically redirected to your new account.   If you want to keep your old account open, you can open a new current account and use the Payment Transfer Service. However, you won't get any of the benefits detailed in the  Current Account Switch Guarantee . 
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If you're already using Online Banking to manage your credit card or another banking product, you don't need to register again for your current account. However, you won't be able to access your current account straight away.   Once your current account is open, you can add it to your Online Banking Overview using your credit card login details.   Log in to Online Banking and enter your current account details in the Add my account section on the Online Banking Overview and follow the instructions.   You'll now be able to access and manage both your current account and your credit card using your credit card login details.
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Quick transfer lets you transfer money between Tesco Bank current accounts and savings accounts.   Log in to Online Banking, click on your account and then select Manage account in the top right hand corner.   In the Quick Transfer section on the Account Overview, select the accounts you want to transfer the money from and to using the drop-down menus. Enter an amount, then Transfer.   The money will be transferred immediately.
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Interest is applied monthly at the relevant interest rate and issued on the last day of the statement month. A statement month begins the day after you open your account and will end on the day you opened your account the following month.   For example: if you open your account on the 1st of the month, your statement month will run from 2nd to the 1st of the following month. Interest will be added on the 1st of the following month and your statement will be produced at the same time showing interest earned.   Please note, it is not possible to change the date your statement is produced.   Remember you must meet the interest conditions on your current account to earn interest.
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