Transparent Fees & Charges
Banking Built for What’s Next
Clear, Fair & Competitive Fees
At CrestView Standard, we believe in complete transparency. Our fees are designed to be fair, competitive, and easy to understand—with many services completely free for our banking clients.
Calculate Your Potential Fees
Use our interactive calculator to estimate fees based on your banking habits and account type.
Compare Our Fees
See how our transparent pricing compares to other major banks for everyday banking services.
| Service | CrestView Standard | High Street Bank A | High Street Bank B |
|---|---|---|---|
| Monthly Account Fee | FREE | £5.00 | £7.50 |
| UK Cash Withdrawals | FREE | £0.50 each | £0.75 each |
| Card Payments (UK) | FREE | £0.35 each | £0.25 each |
| Direct Debits/Standing Orders | FREE | £0.45 each | £0.30 each |
| International Card Transactions | 2.75% | 2.99% + £1.50 | 3.50% |
| ATM Withdrawals Abroad | 2.00% | 2.50% + £2.00 | 3.00% + £1.50 |
| Replacement Debit Card | FREE | £10.00 | £15.00 |
| Authorised Overdraft Interest | 15.9% EAR | 19.9% EAR | 21.9% EAR |
Understanding Our Fee Structure
Clear breakdown of fees by service category. Many everyday banking services are completely free with CrestView Standard.
Account Management
Fees related to maintaining your bank account and basic services.
- Monthly Account Fee FREE
- Paper Statements £2.00/month
- Account Closure FREE
- Duplicate Statements £5.00 each
Cards & Payments
Fees for card transactions, payments, and related services.
- UK Card Payments FREE
- International Payments 2.75%
- Replacement Debit Card FREE
- Express Card Delivery £15.00
Transfers & Withdrawals
Costs associated with moving money in and out of your account.
- UK Bank Transfers FREE
- UK Cash Withdrawals FREE
- International Transfers 0.5%
- CHAPS Payments £20.00
Borrowing & Overdrafts
Interest rates and fees for borrowing and overdraft facilities.
- Arranged Overdraft 15.9% EAR
- Unarranged Overdraft 25.9% EAR
- Personal Loans From 3.9% APR
- Overdraft Setup FREE
Ways to Reduce or Eliminate Fees
Smart banking habits and choosing the right account can help you minimize banking costs significantly.
Go Paperless
Switch to online statements and save £24 per year on paper statement fees.
Premium Account Benefits
Our Premium Account includes travel insurance, mobile phone cover, and fee-free international transactions.
Maintain Minimum Balance
Keep £1,500+ in your current account each month to qualify for fee waivers and bonus interest.
Multi-Service Discount
Combine banking, insurance, and investment services with CrestView for package discounts.
Frequently Asked Questions
Get clear answers to common questions about our fees and charges.
Are there any hidden fees with CrestView Standard?
No. We believe in complete transparency. All fees are clearly disclosed before you open an account and are available in our fee schedule. We'll never charge you for something without clear notification and explanation. View our full fee disclosure.
How can I avoid paying monthly account fees?
Our Standard Current Account has no monthly fee. For our Premium Account (£12/month), you can avoid the fee by maintaining a minimum balance of £1,500 or having a qualifying mortgage/investment with us. Many everyday banking services are completely free with all our accounts.
What happens if I go into an unarranged overdraft?
We charge 25.9% EAR (Effective Annual Rate) on unarranged overdrafts, but we'll always try to contact you first to help you avoid this. You can set up alerts in our mobile app to warn you when your balance is low, and you can apply for an arranged overdraft at the lower rate of 15.9% EAR at any time.
Do you charge for using ATMs in the UK?
No, we don't charge for using any UK ATMs, including those operated by other banks. Some ATM operators may charge their own fees, but we'll always warn you about this before you complete your withdrawal. You can use our mobile app to find fee-free ATMs near you.
How do your international fees compare to other banks?
Our international transaction fee of 2.75% is significantly lower than the industry average of 3.5-4%. With our Premium Account, international transactions are completely free. We also don't charge additional fixed fees on top of the percentage, unlike many competitors who charge both a percentage AND a fixed fee per transaction.
Experience Transparent Banking
Join over 2 million customers who trust CrestView Standard for fair, predictable pricing and exceptional value.