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City West Union Account

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Get $155 when you switch to City West Union Account

Simply open an City West Union Account then use the Current Account Switch Service within 30 days to complete a full switch (including at least 2 direct debits or standing orders).

At a glance

Relax with free annual travel cover
Enjoy free worldwide travel insurance from Aviva for you and your loved ones, including winter sports cover.

Enjoy preferential terms on mortgages and savings Save money on your mortgage with preferential terms for you, your children and grandchildren. Plus, earn 2.75% AER/Gross on your savings with access to our Regular Saver.

Stay on top of your global accounts
If you have City West Union accounts in other countries you can manage them all online, plus you can make fee-free transfers between them in minutes.

Spend flexibly with an arranged overdraft
The first $500 of your arranged overdraft is interest-free, and it’s just 11.9% EAR above that. Overdrafts are subject to status. Overdraft representative example: 0% EAR variable on the first $500 and 11.9% EAR on the rest (assumed overdraft $1,000).

Get it all for no monthly fee
Experience all the benefits of a City West Union account without having to pay for the pleasure.

City West Union credit cards

Discover a world of travel benefits and rewards. As a Premier customer you’ll have exclusive access to a choice of 2 credit cards, both of which give you reward points when you spend, discounted airport lounge access – and more besides. Representative example: 59.3% APR (variable) representative on an assumed credit limit of $1,000.

Exclusive benefits for your family

Your City West Union account gives your loved ones access to a wealth of benefits, too. Your complimentary travel insurance covers your partner, children and grandchildren. You, your children and any grandchildren will also have access to preferential mortgage terms. And that’s not all.

Things you should Know

Charges and overdraft  
Arranged Overdrafts and unarranged overdrafts An overdraft lets you borrow money on your current account. An arranged overdraft is where we agree an overdraft limit with you. This can help in months when you have extra expenses. An unarranged overdraft is when you make a payment that takes your account over your arranged limit or overdrawn when you don’t have an arranged overdraft in place. We’ll always consider an unarranged request and make the payment if we can. Unarranged overdrafts may incur higher fees and result in declined transactions. We report account activity, including overdraft usage, to credit reference agencies. An unarranged overdraft lasting more than 30 days could have a negative impact on your credit rating. Overdrafts are not suitable for long-term borrowing and usually result in interest and other fees. If you take an arranged overdraft, you can later ask us to increase, reduce or remove your limit at any time online, by phone or in a branch. If you end your overdraft you’ll have to repay any overdrawn amount and any interest owed. If you want to reduce your limit, you’ll first need to make sure you bring your borrowing down within the new limit. To find out more, visit our overdrafts page where you can find out if you’re eligible and overdraft cost calculator
Overdraft charges If you have an arranged overdraft, the first $500 is interest free. Anything you borrow above that will be charged interest at 11.9% EAR variable. If you go into an unarranged overdraft, the amount you borrow will be charged at 11.9% EAR variable. Representative example: 0% EAR variable on the first $500 and 11.9% EAR on the rest (assumed overdraft $1,000). At present you don’t have to pay any monthly charges for using your Premier Bank Account overdraft, even if you go above your arranged overdraft limit. Overdrafts are subject to status.

Start your banking with City West Union