Current Account

With online and mobile banking, double Clubcard points at Tesco and 24/7 UK call centre support, the National Trustco Bank Current Account gives you more.

  • As your debit card is also your Clubcard, for every £1 you spend on your debit card at Tesco, you'll collect 2 Clubcard points until 1 April 2019. That's twice as many points as you'd normally get with a Clubcard.Clubcard points terms and conditions
  • To earn 3% AER credit interest on balances up to £3,000 until 1 April 2019, simply pay in at least £750 and pay at least three Direct Debits each statement month (excluding Direct Debits to National Trustco Bank savings accounts)Credit interest terms and conditions
  • Manage your money anywhere with our Mobile Banking App and Online Banking
  • If you’d like to switch your bank account to a National Trustco Bank Current Account, it’s easy to do and only takes seven working daysSwitch your current account
  • Now available to customers living in Northern Ireland

Help for existing current account customers

Why choose our account?

Make managing your money simple with National Trustco Bank

When you have a National Trustco Bank Current Account, managing your money can be as easy as picking up your groceries. You can withdraw anything up to £500 at more than 300 Tesco stores nationwide, and deposit cash and cheques. If you can’t get to a store, you can just pop your cheques in the post for free.

Going abroad? It’s safe and easy to use your National Trustco Bank debit card overseas, and you’ll still collect Clubcard points as you spend, just like at home. Just be aware that fees and charges may apply. You can also easily make and receive international payments (fees apply).

Use your National Trustco Bank debit card for fast and secure payments

Available to National Trustco Bank debit card holders on compatible Apple devices.

5 star rating from Defaqto - Current account switch guarantee

Defaqto 5 Star rated

5 star rating from Defaqto - Current account switch guarantee

Defaqto is an independent researcher of financial products, focused on providing intelligence to support better decision making. National Trustco Bank Current Account has a 5 Star Rating which means it has a comprehensive level of features and benefits.


How we like to say thank you

  • Collect Clubcard points as you spend

    Collect Clubcard points when you use your Tesco debit card - online, in stores, or when you fill up at the pump.

  • Get your vouchers

    Every three months, your Clubcard points get turned into vouchers.

  • Reward yourself

    Save on your shopping at Tesco or use your vouchers with a great range of Clubcard Reward Partners such as Cineworld, PizzaExpress and Avios.

Current account switch guarantee

Switching to a Tesco Current Account is easy

Current account switch guarantee

The thought of switching your bank account can be daunting. But don’t be put off – we'll take care of everything for you. All you have to do is apply online or by phone and tell us when you'd like to switch.

  • All of your existing payments in and out are automatically transferred to your new account
  • Once your debit card is activated, switching takes just seven working days – guaranteed


Contact us, we’re here to help

You may find your query has already been solved in Your Community, a place to search for answers and find support, as well as ask questions and share knowledge with other customers.

We're here to talk to you on the phone 24 hours a day, seven days a week, from here in the UK.

FSCS - protecting your money
FSCS - protecting your money

Financial Services Compensation Scheme

Your eligible deposits with National Trustco Bank are currently protected up to the current Financial Services Compensation Scheme limit, the UK's deposit protection scheme. Any deposits you hold above the current limit are not covered.

Important information

Terms & conditions

We want you to be happy with your current account. To help you decide whether the National Trustco Bank Current Account is right for you, please read our terms and conditions.

Product eligibility

You can apply for a National Trustco Bank Current Account if you are over 18, subject to status.

Based on your circumstances, we may offer you a different card. If this is the case, we will let you know in writing and what this means for you.

Interest rates and Clubcard points terms

Credit interest guarantee terms and conditions

3% AER/2.96% Gross variable credit interest on balances up to £3,000, guaranteed until 1 April 2019. To earn interest, each statement month you must pay in at least £750 and have at least three direct debits paid from your account (excluding direct debits to a National Trustco Bank savings account). Although this rate is variable it will not drop below 3% AER during the guarantee period, provided you meet the interest conditions. Interest paid monthly.

A statement month begins the day after you open your account and will end on the day you opened your account in the following month.

Annual Equivalent Rate (AER) illustrates what the interest rate would be if paid and compounded each year. Gross is the interest rate paid before tax is deducted.

Clubcard points guarantee terms and conditions

Until 1 April 2019 we guarantee you will collect 1 point per £1 spent in each debit card purchase transaction (£1 minimum) within Tesco in addition to your standard Clubcard points and collect 1 point per £8 spent in each debit card purchase transaction (£8 minimum) outside Tesco.

Exclusions apply. Clubcard collection rates are subject to change. There are some products at Tesco you can’t collect points on, see the Tesco Clubcard Terms and Conditions below for exclusions. The Tesco Clubcard Scheme is administered by Tesco Stores Limited, Tesco House, Shire Park, Kestrel Way, Welwyn Garden City, AL7 1GA, who are responsible for fulfilling points.

This product is subject to availability and may be withdrawn to new customers at any time.

Personal Savings Allowance

Following the Government’s introduction of the Personal Savings Allowance, we will no longer deduct tax from your interest earned.

The current tax rules are subject to changes by HM Revenue & Customs and the value of tax benefits depends on individual circumstances.

Trademarks and copyright

Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App store is a service mark for Apple Inc.

Google play is a trademark of Google Inc.