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Royalties International
The award-winning current account to fit your lifestyle
Portfolio International named Royalties International "Best Current Account of the Year 2006". Find out what this current account could do for you.
Banking - one account to handle all your global currencies; there's no need for separate bank account numbers.
Insurance - family travel cover comes as standard.
Lifestyle - 24 hour concierge, plus savings on restaurants, theatre tickets and more.
Travel - discounts on hotels, holidays, car hire and airport lounges.
The annual fee for the Royalties International account is £150.
Banking benefits
- Multi-currency - manage your global finances with a truly international bank account. There's no need for separate bank account numbers.
- Currency cards - make payments with US dollar and euro currency cards.
- Earn interest - tiered rates ensure that the more you save, the more you earn.
- Preferential rates - you could enjoy specially designed savings and overdraft rates.
Insurance benefits
- Family travel insurance - relax, cover is automatic. You, your partner and your children are insured automatically if you are a Royalties International customer at the time of booking and travel. You're even covered for winter sports.
- Car rentals - nobody likes to pay for loss and damage waiver insurance when they're away from home. That's why it's included with this account. Simply hire a car for holiday use away from your country of residence, and you're covered for up to 31 days.
- Emergency assistance legal cover - wherever you are, help is at hand. Need emergency cash or replacement documents? From medical treatment to legal advice, we're here for you.
- Lump sum personal accident cover - this policy could make lump sum payments if you, your partner or your children experience an accident.
Lifestyle benefits
- 24 hour concierge - from a plumber in Melbourne to a one-off wedding gift, you'll find what you're looking for.
- Shopping - enjoy local and international leisure and shopping discounts.
- Restaurants - save with our discounted restaurant and ticket booking service.
Travel benefits
- Holidays - travel and hotel discounts.
- Car hire - discounted car hire booking through selected companies.
- Airport lounges - 20% off Priority Pass membership, to give you access to over 350 airport VIP lounges in over 200 cities and 70 countries.
Interest rates
Interest you earn when in credit (Creditor Interest Rates)
| Sterling rates | ||
|---|---|---|
| Amount | Gross rate % | AER % |
| £1,000,000 plus | 0.25 | 0.25 |
| £750,000 - £999,999 | 0.10 | 0.10 |
| £500,000 - £749,999 | 0.10 | 0.10 |
| £250,000 - £499,999 | 0.10 | 0.10 |
| £100,000 - £249,999 | 0.10 | 0.10 |
| £50,000 - £99,999 | 0.10 | 0.10 |
| £25,000 - £49,999 | 0.10 | 0.10 |
| £10,000 - £24,999 | 0.10 | 0.10 |
| £2,000 - £9,999 | 0.10 | 0.10 |
| £0 - £1,999 | 0.10 | 0.10 |
| US Dollar rates | ||
|---|---|---|
| Amount | Gross rate % | AER % |
| $1,000,000 plus | 0.15 | 0.15 |
| $750,000 - $999,999 | 0.10 | 0.10 |
| $500,000 - $749,999 | 0.10 | 0.10 |
| $250,000 - $499,999 | 0.05 | 0.05 |
| $100,000 - $249,999 | 0.05 | 0.05 |
| $50,000 - $99,999 | 0.05 | 0.05 |
| $25,000 - $49,999 | 0.05 | 0.05 |
| $10,000 - $24,999 | 0.05 | 0.05 |
| $2,000 - $9,999 | 0.05 | 0.05 |
| $0 - $1,999 | 0.05 | 0.05 |
| Euro rates | ||
|---|---|---|
| Amount | Gross rate % | AER % |
| 1,000,000 plus | 0.50 | 0.50 |
| 750,000 - 999,999 | 0.40 | 0.40 |
| 500,000 - 749,999 | 0.35 | 0.35 |
| 250,000 - 499,999 | 0.25 | 0.25 |
| 100,000 - 249,999 | 0.10 | 0.10 |
| 50,000 - 99,999 | 0.10 | 0.10 |
| 25,000 - 49,999 | 0.10 | 0.10 |
| 10,000 - 24,999 | 0.10 | 0.10 |
| 2,000 - 9,999 | 0.10 | 0.10 |
| 0 - 1,999 | 0.10 | 0.10 |
The rates are effective from 18/05/09.
Application of interest
Interest is calculated on a daily basis and paid into your account monthly, usually the day after we send your statement to you.
Gross rate
Gross rate - is the interest rate paid before the deduction of tax.
Annual Equivalent Rate (AER)
Annual Equivalent Rate (AER) - illustrates what the interest rate would be if paid and compounded each year.
back to topUnarranged overdraft rates
Any amount overdrawn in excess of the arranged overdraft limit will be charged at a rate of 1.48% per month, which is equivalent to an Effective Annual Rate of 19.24% pa
back to topCharges
There are a number of ancillary services available to you. The most common of these are listed with their costs. These charges are in respect of personal banking. Also listed are services which we may have to perform for you.
| Charges for Borrowing |
|---|
| Please contact your Relationship Manager for further details |
| Charges for additional services | |
|---|---|
| Stopping a cheque (except for lost /stolen cheques) | £10 |
| Special presentation of a cheque | £15 |
| Copies of paid cheques including providing details of paid cheques | £5 per cheque (max £150) |
| Duplicate statement/historic copy | £5 per request |
| Certificate of balance or interest | No charge |
| CHAPS Payment (Same Day Value Payment) | £23 (discounted to £15 for ibanking Plus customers) |
| Charges for Unarranged Borrowing | |
|---|---|
| Unarranged overdraft - maintenance charge. If you borrow more than your agreed overdraft limit you will be liable for a maintenance charge applied monthly 16 days after the end of the charging period (or the next business day if this is a Saturday, Sunday or Bank Holiday). The charging period is normally in line with the date that we send your statement to you | £20 per month |
| Paid referral fee - Payable when you informally request an overdraft by issuing a payment instruction on your account where there are either insufficient funds or insufficient unused agreed overdraft facility to meet the payment and we in our discretion make payment which results in or increases an unarranged overdraft. The fee will be applied 21 days after the end of the charging period in which the transaction was paid or taken from your account (or on the next business day if this is a Saturday, Sunday or Bank Holiday). The charging period normally ends on the date that we issue your statement to you. | £15 for any day on which a paid referral(s) occurs (max £90 in any charging period) |
| Letter to inform you of an unarranged overdraft | Free |
| Unpaid Item fee - Payable when a cheque, Standing Order or Direct Debit is not paid due to their being insufficient funds available in your account | £5 per item (max £50 in any charging period) |
| Guaranteed card payment fee - Payable when you informally request an overdraft by making a payment supported by cheque guarantee or debit card where there are insufficient funds or insufficient unused agreed overdraft facility to meet the payment. When your account is overdrawn in excess of any agreed overdraft limit, a maintenance charge will also be applied. | £15 per item (max £90 in any charging period) |
| Default Notice Charge | £30 each |
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