Artichoke Flower

BANKING

Coutts provides an in-depth understanding of your private banking needs. We offer choice and flexibility in managing your finances, while preserving the personal touch and accessibility you expect from Coutts.

 

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Current accounts

The Coutts Current Account is designed to meet your day-to-day banking needs. It is available in sterling and most major currencies.

 

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Deposit accounts

A simplified but versatile range of accounts designed for your short, medium and longer-term cash management needs.

 

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Debit, Credit and Charge Cards

Our distinctive Coutts Debit and Silk Cards come with a package of carefully selected benefits which reflect the lifestyle of our clients.

 

Powered by positivity, our Debit Card features multi-currency capability, allowing you to connect your Debit Card to any of your eligible currency accounts.

The contactless Debit Card allows you to access your funds quickly and easily. Recognised globally, it is your ideal companion at home and abroad with benefits such as 0% Non-Sterling Transaction fees and multi-currency capability.

With every transaction Coutts & Co. will donate 10p to the Coutts Charitable Foundation. Registered with the Charity Commission for England and Wales (number 1150784), up to a maximum of £1 million per year.

 

MORE ABOUT THE COUTTS DEBIT CARD

Available as a Charge Card or Credit Card, our Silk Card comes with access to Coutts Concierge – a service that combines the best of digital and expert services in dining, tickets and travel. Silk Cards can also be tailored to meet the needs of you and your family – additional cardholders can be added to your account with the ability to customise spend and benefits on additional cards.
 

  • Silk Charge Card

    Our Silk Charge Card comes with a high monthly spending limit and can be adjusted to suit your lifestyle. Silk Charge Cards offer the ability to order additional cards with tailored spending limits and varying benefits.

    More about the Coutts Silk Charge Card

    REPRESENTATIVE 0% APR VARIABLE  ·  OVER 18S ONLY
    NO ANNUAL FEE

  • Silk Credit Card

    Similar to the Charge Card, our Silk Credit Card allows our clients to order additional cards with tailored spending limits.

    More about the Coutts Silk Credit Card

    REPRESENTATIVE 14.7% APR VARIABLE  ·  OVER 18S ONLY
    NO ANNUAL FEE

coutts travel protection

comprehensive travel cover includes worldwide travel and loss damage waiver insurance and has been rated 5 star by Defaqto. Coutts Travel Protection is available to Coutts clients for £400 per year, charged quarterly in arrears. We will waive the fee if the average value of the combined assets and liabilities that you hold in sole and joint accounts or within a Fee Family is in excess of £1m.

Provides peace of mind with cover for emergency medical expenses, cancellations and baggage loss.

With no upper age limit, cover extends to the protected client, clients partner and dependent children under 18 years of age and living at home or those within full-time education up to the age of 23 years old. Coutts Travel Protection is supported by a dedicated claims management team that is on hand to simplify the complexity of making a claim. The following benefits are included (subject to full policy terms and conditions):

  • Protection for up to 93 days on trips abroad and up to 28 days’ winter sports cover
  • Unlimited medical expenses cover
  • Cancellation and curtailment up to the value of £15,000 per beneficiary
  • Baggage loss to the value of £10,000, with a single article limit of £1,000 per beneficiary

Coutts Travel Protection includes Travel and Loss Damage Waiver Insurance. Sections 1-18 and 20 of this travel insurance are underwritten by AWP P&C SA and Section 19 of this travel insurance is underwritten by Liberty Mutual Insurance Europe SE. The Loss Damage Waiver Insurance is underwritten by AWP P&C SA.

 

Important

If after calling the insurer, cover for your pre-existing medical condition is declined or you're unhappy with the cost of the additional premium, you may wish to look at an alternative provider. To assist you the FCA has arranged a Directory of Insurance Underwriters who may be able to meet your needs. For further information call 0800 138 7777 (Monday to Friday, 8am to 6pm) or visit the Directory Website.

 

Coutts Travel Protection Insurance Guide

To register a claim in the first instance, you can call the claims team.
 

Loss Damage Waiver, for when you hire a car, is available to clients aged 21-84 and will provide cover for (subject to full policy terms and conditions):

  • Excess insurance on car rentals for up to 31 days
  • Includes losses up to the value of £55,000 as a result of damage by fire, vandalism, theft or loss of use of the rental vehicle

Coutts Travel Protection includes Travel and Loss Damage Waiver Insurance. Sections 1-18 and 20 of this travel insurance are underwritten by AWP P&C SA and Section 19 of this travel insurance is underwritten by Liberty Mutual Insurance Europe SE. The Loss Damage Waiver Insurance is underwritten by AWP P&C SA.

 

Coutts Travel Protection insurance guide

To register a claim in the first instance, you can call the claims team.

You can apply online if you are registered for Coutts Online. Alternatively, complete the application form below and return to your banker. 

Prior to making an application, please ensure you have read through the Insurance Product Information Document below for a basic summary of the policy cover and main exclusions. For the full Terms and Conditions of the policy, please read through the Insurance Guide below.

 

Important

If after calling the insurer, cover for your pre-existing medical condition is declined or you're unhappy with the cost of the additional premium, you may wish to look at an alternative provider.  To assist you the FCA has arranged a Directory of Insurance Underwriters who may be able to meet your needs. For further information call 0800 138 7777 (Monday to Friday, 8am to 6pm) or visit the Directory Website.

 

Coutts Travel Protection includes Travel and Loss Damage Waiver Insurance. Sections 1-18 and 20 of this travel insurance are underwritten by AWP P&C SA and Section 19 of this travel insurance is underwritten by Liberty Mutual Insurance Europe SE. The Loss Damage Waiver Insurance is underwritten by AWP P&C SA.

 

Coutts Travel Protection Insurance Product and Information Document

Coutts Travel Protection insurance guide

Coutts Travel Protection application form

To register a claim in the first instance, you can call the claims team.

Updated 17 October 2022

ALLIANZ (OUR INSURER)

Allianz will follow the policy terms and conditions when assessing any claims. For claims related to travel restrictions to other countries, Allianz will adhere to the Foreign Commonwealth and Development Office (FCDO) advice. There are three levels:

  • no advice against travel
  • advice against all but essential travel; and
  • advice against all travel

Cover is valid when there is no FCDO advice against travel. Consideration will be given for 'Essential Travel' so long as evidence can be provided in the event of a claim to support that the nature of the trip made travel essential. There is no cover provided for travel to any destination the FCDO have advised against all travel to, regardless of the reason for the trip.

The latest FCDO guidance is here.

 

before you book your trip or start your journey

To help you, here are the answers to the most commonly asked questions

  • When should I contact the insurer about a pre-existing medical condition or about purchasing another upgrade to my policy?

    At the time of applying for Coutts Travel Protection or before you book a trip, you must call the insurers customer services and endorsements team to tell them about any medical conditions you or any other beneficiary covered under the policy have. 

    It’s best to call the insurer as soon as you are aware you need any other upgrade to enhance your protection, such as cover for guests you are paying for that are not a beneficiary of your policy and trip extensions. 

  • What cover have I got for COVID-19 or other pandemic disease?

    • unlimited medical cover if you contract COVID-19 or other pandemic diseases
    • cover for additional expenses incurred if you’re required to quarantine on medical advice during your trip, subject to policy terms and conditions
    • cancellation and curtailment cover if you or a travelling companion:
    1. are refused boarding of your pre-booked transport due to having symptoms of COVID-19 or other pandemic diseases (request evidence from the travel provider to support a claim);
    2. test positive for COVID-19 or other pandemic disease (evidence will be required for a positive test, either a GP’s letter to confirm not fit to travel or an authorised COVID-19 test centre result);
    3. a close family member contracts COVID-19 or another pandemic disease so you can’t go on your trip (evidence will be required for a positive test, either a letter from their GP or an authorised COVID-19 test centre result)

  • Who is covered under the Coutts Travel Protection policy?

    The protected client who has opted in, their partner/spouse and the protected client’s dependent children (up to 18 years of age or 23 years of age if still in full time education).

  • When should I contact the Allianz claims team to make a cancellation claim?

    Once you are aware of a need to cancel a trip contact the Allianz Assistance Travel Claims department by calling them on 020 7126 7531 (all calls with Coutts are recorded for training and monitoring purposes).  They will provide you with advice and guidance before you cancel the trip with the travel provider.

    Please note your travel insurance policy has an exclusion relating to recoverable expenses, this means that any expenses you can recover from elsewhere are not covered by your travel insurance policy.  

  • I need confirmation I have Coutts Travel Protection.

    Please contact your private banker who will be able to arrange this for you.  

  • Do I need a valid European Health Insurance Card (EHIC) or the replacement Global Health Insurance Card (GHIC)

    It is always recommended you travel with a valid EHIC or GHIC card, but it is not a replacement for travel insurance as it does not cover everything, such as mountain rescue or being flown back to the UK (medical repatriation). Make sure you have both before you travel. Find out more at Applying for healthcare cover abroad (GHIC and EHIC)  

during your trip

Important information

Coutts Travel Protection is underwritten by AWP P&C SA and administered in the UK by Allianz Assistance except section A24 which is underwritten by Liberty Mutual Insurance Europe SE and administered by International Passenger Protection Limited.

Contact Us

Travel insurance including loss damage waiver
 
Customer Service and Endorsements 
020 7126 7532
 
Claims 
020 7126 7531
coutts.claims@allianz-assistance.co.uk
 
Emergency Medical Assistance 

020 7126 7533

 

All calls with coutts are recorded for training and monitoring purposes.

When you become a client of Coutts, you'll be part of an exclusive network

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