You’re guaranteed a current account
All we need is proof of who you are
Everyone is welcome
We don’t judge you by how much money you have or haven’t got
You can join for free
Then choose the account you want
You can’t overdraw your account
No running up debts from overspending
Save as you spend
Regularly and automatically, with no hassle or financial strain
We give you digital Jam Jars
So it’s easier to manage your money and pay your bills
We give you simple and useful money services
Online and on your mobile, with help over the phone!
Our pricing is clear and fair
No nasty shocks or unexpected fees
You can choose
To access other fair and open money services through Ffrees too
It's free to join
Visa debit card
No credit checks
You can’t overdraw your account
You get digital Jam Jars
Build regular savings and stay ahead of your bills
Save as you spend. Earn Cashback
1 You must be aged 18 or over and be living at a UK postal address to open a Ffrees Account. We may require proof of ID to process your application.Watch our video
There’s a Ffrees Account for everyone
We’re all different, aren’t we? That’s why our range of current accounts gives you a bigger, better choice to suit your needs, not ours. With a variety of rewards and benefits for different fees, you’ll find the right current account for you with Ffrees.
With four Ffrees Accounts, there are four better places to be.
Which is the right account for you?
The Ffrees Family Account is our no-frills package that comes with no joining fee and no monthly fee1. It's simple, easy and fair and still enables you to spend and save.
1There is no standard monthly fee but a £2 per month dormancy charge will apply if your account has not been used for 2 months.
The Ffrees Plus Account is a great choice for regular users who know they’ll use more account features, but want lower fees to do so. You pay £2.50 a month and get reduced service fees as well as 12% Extra Ffrees Cashback1.
112% more Cashback than the Ffrees Family Account
The Ffrees Premium Account is perfect for smart shoppers who want to earn more Ffrees Cashback, with lower transaction fees than the Plus Account. It costs just £5.00 a month, and you can earn an extra 25% Ffrees Cashback1!
125% more cashback than the Ffrees Family Account
The Ffrees Diamond Account is for serious savers who want to earn the most Cashback, enjoy the most benefits, and really get the most out of their Ffrees Account, with the lowest fees possible. It costs £10.00 per month, but you get a whopping 40% extra Ffrees Cashback, a FREE Hi-Life Card, free ATM withdrawals1, and a bundle of other benefits.
1Fair usage policy of 8 ATM withdrawals per billing cycle applies. £0.25 thereafter.
What is a Hi-Life Card?
A Hi-Life membership card gets you 2 for 1 dining at over 5,000 great restaurants across the UK & Ireland. This includes your favourite restaurant chains like Prezzo, Malmaison and Balls Brothers, plus many more.
- 2 for 1 dining at thousands of top local neighbourhood restaurants.
- Full use of the iPhone/Android App, including a handy mobile membership card
- Special member offers at airport lounges, Hotel Club & Wine Club etc.
- This card normally costs £69.99, Ffrees Diamond Account holders get one for a year for FREE!
- Your new Hi-Life Card will be posted out to you once you have been on the Diamond Account package for 60 days.
10 Reasons why you're better off with Ffrees
- We are not a bank. We’re a better place to be.
- You’re guaranteed a current account. All we need is proof of who you are.
- Everyone is welcome, we don’t judge you by how much money you have or haven’t got.
- You can join for free, then choose the account you want.
- You can’t overdraw your account. No running up debts from overspending.
- You save as you spend, we give you cashback when you spend through us and save £500 a year.
- We give you digital Jam Jars, so it’s easier to manage your money and pay your bills.
- You get simple day-to-day money services, on the internet, on your mobile or over the phone.
- Our pricing is clear and fair, we show you how much we charge for what.
- We offer meaningful choices for other money services you can get through us.
We are transparent
Nobody can provide a completely free banking service. We prefer honesty and clarity.
There's no such thing as completely free banking, and we don't pretend otherwise. Some banks use unplanned overdrafts and other complex legal waffle that a lot of us might not understand, which means it isn't actually “free” at all. It's dishonest and misleading.
We prefer honesty. We don't have overdrafts and all our fees can be seen below. Whenever a fee is payable, we will flag this up very clearly.
|Account||Family Account||Plus Account||Premium Account||Diamond Account|
|Extra Ffrees Savings Points||Standard Rewards||12% Extra Rewards||25% Extra Rewards||40% Extra Rewards|
|European ATM||£2.50||£2.00||£1.00||1 Free
|European ATM Forex Charge||1%||1%||1%||1%|
|International ATM||£2.00||£1.50||£1.50||1 Free
|International ATM Forex Charge||2%||2%||2%||2%|
|Mobile balance alert||£0.10||£0.10||£0.10||£0.10|
|Wage, benefits & pensions payment||Free||Free||Free||Free|
|Debit Card||Coming soon||Coming soon||Coming soon||Coming soon|
|Lost, stolen or damaged card replacement||£5.00||£5.00||£5.00||£5.00|
|Additional card holder card||£5.00||First free,
|First two free,
|First two free,
|Account cancellation / redemption||£2.50||£2.50||£2.50||£2.50|
|Standing Order set up||Free||Free||Free||Free|
|Paper Statement issue (62 days)||£2.50||£2.00||£1.50||£1.00|
|Expired card replacement3||Free||Free||Free||Free|
|Standard dated bank transfer||Free||Free||Free||Free|
|Next day fund transfer||£5.00||£4.00||£3.00||£2.00|
|Charge back request||£10.00||£10.00||£10.00||£10.00|
|Debit card load charge back||£15.00||£15.00||£15.00||£15.00|
|International fund transfer||£20.00||£20.00||£20.00||£20.00|
|Urgent international fund transfer||£28.00||£28.00||£28.00||£28.00|
|Maximum card balance||£5,000.00||£6,000.00||£8,000.00||£10,000.00|
|Maximum load balance||£5,000.00||£6,000.00||£8,000.00||£10,000.00|
|Minimum load balance||£10.00||£10.00||£10.00||£10.00|
|Maximum daily ATM withdrawal||£250.00||£250.00||£250.00||£250.00|
Paying in to your Ffrees Account
First things first. How do you pay in to the account?
Once your Ffrees Account is set up, activated and PIN retrieved you're ready to roll. The first step is to pay money into your Ffrees Account. There are plenty of simple and easy ways to do this. Click below to see more information.Find out more
Making payments using your Ffrees Account
You need to know how to pay out if you have paid in, so how do you do this?
Your Ffrees Visa Debit Card works just like any other debit card. You can use it to pay for things online or in-store (anywhere that accepts Visa worldwide, but remember fees may apply for overseas transactions!).Find out more