A new type of Current Account for everyone
- No credit checks1. No debts.
- Free to apply, with the option to have no monthly fee2
- Earn up to £500 a year cashback as you spend every day
It's just a fairer, more modern way to bank with you in mind, not us. It's free to join so why wait?
1The Ffrees Family Account has no standard monthly fee, however a £2 p.m. Dormancy Charge will apply if your account has not been used for two months.
1 Available to UK residents aged 18 and above. We may ask for proof of ID to process your application.
2 No standard monthly fee, however a £2 Dormancy Charge will apply if your account has not been used for two months.
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.
The Ffrees Family Account is our pay as you go current account. It’s completely free to have open1, so all you pay for is any individual service fees as and when you use them.1There is no standard monthly fee but a £2 per month dormancy charge will apply if your account has not been used for 60 days.
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 withdrawals, and a bundle of other benefits.
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.
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|
|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|
Once your Ffrees Account is set up, 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
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