BANKING

With an in-depth understanding of the world you move in, Coutts provides modern banking underpinned by a renowned tradition of service. Offering you 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 cornerstone of your banking relationship with Coutts, the Current Account is designed to meet your day-to-day banking needs. The Coutts Current Account is available in sterling and most major currencies.

Deposit accounts

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

Important information - payments: confirmation of payee

Best Debit Card Programme of the Year - The Card and Payments Awards

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

Designed for a world without borders, our Debit Card features multi-currency capability, allowing you to connect your Debit Card to any of your eligible currency accounts. Available as a charge or credit card, Silk comes with access to Coutts Concierge – a service that combines the best of digital and expert services in dining, tickets and travel. Silk 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

A charge card with a high monthly spending limit, Silk opens doors to a world of privileges and benefits. Silk can be tailored to your lifestyle, offering 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

Silk opens doors to a world of privileges and benefits. Silk can be tailored to your lifestyle, offering the ability to order additional cards with tailored spending limits and varying benefits.

More about the Coutts Silk Credit Card

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

A debit card with convenient features to save you time and allow you to access your funds quickly and easily. Reliable and recognised globally, the contactless Coutts Debit Card is your ideal companion at home and abroad with benefits such as 0% Non-Sterling Transaction fees and multi-currency capability.

MORE ABOUT THE COUTTS DEBIT CARD

coutts travel protection

Our 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.

Guidance about our Travel Cover and Coronavirus

COVID-19 continues to impact travel and whilst it’s impossible to provide assistance for every scenario, we are continuing to update our guidance based on the most recent type of questions that have been asked by our clients.

If you’re looking to make a claim for a trip:

you should try and claim from your travel provider in the first instance (if they offer you a voucher, you may have a right to decline this and continue to insist on a refund instead)
if your travel provider does not give you a refund and you paid for your trip on a debit, credit or charge card, you can try and claim a full cash refund from your card issuer
if you’re unable to obtain a refund from your card issuer, you may be able to make a claim on your Coutts Travel Protection.

If you’re looking to make a claim on your Coutts Travel Protection, you should read our guidance below and be aware of the following key points:

as COVID-19 was declared a global pandemic by the World Health Organization on 11 March 2020, if you booked your trip and held Coutts Travel Protection by 11 March 2020, then claims related to COVID-19 will be considered if you’re unable to recover your cancellation costs from your travel provider or card issuer
if you booked a trip and took out Coutts Travel Protection after 11 March 2020, you will not be covered for claims relating to COVID-19 travel restrictions
like most travel insurance policies, there’s no cover on the policy if you’re allowed to travel but you decide you don’t want to (this is known as disinclination to travel)
all claims made on your policy, including those that aren’t related to the pandemic, will be reviewed in line with the terms and conditions of your Coutts Travel Protection policy, on a case by case basis.

Guidance for Making Claims On your Coutts Travel Protection

This guidance covers Coutts Travel Protection beneficiaries who:

have a trip booked; or
book a new trip.

What key timelines are the insurer working to?

11 March 2020

The World Health Organization (WHO) declared that COVID-19 was a global pandemic.

COVID-19 became an ‘anticipated event’: an event or occurrence which beneficiaries or their immediate family knew would occur or could have been reasonably expected to occur during their trip and which beneficiaries or their immediate family were aware of at the time of booking their trip.

17 March 2020

The Foreign and Commonwealth Office (FCO) advised against all non-essential travel abroad for a 30 day period and released the following statement: ‘COVID-19 Exceptional Travel Advisory Notice - As countries respond to the COVID-19 pandemic, including travel and border restrictions, the FCO advises British nationals against all but essential international travel. Any country or area may restrict travel without notice.’

23 March 2020

The FCO advised all British travellers to return to the UK and issued the following statement: ‘The Foreign Secretary advises all British travellers to return to the UK now - All British tourists and short-stay travellers currently abroad should return to the UK where commercial flight options are still available.’

4 April 2020

The FCO advice was subsequently updated to advise against all but essential international travel indefinitely.

3 July 2020

The FCO updated its advice against ‘all but essential’ travel, exempting destinations that no longer pose an unacceptably high risk for British travellers.

4 July 2020

The exemptions announced by the FCO on 3 July 2020 came into effect.
Will I be covered for my trip if I travel to a country that the FCO advises against ‘all but essential’ travel?

The policy will not cover anyone who travels against FCO advice or any travel advice that has been issued by an equivalent government authority.
I’m due to travel to a country that the FCO has exempted from its advice of ‘all but essential’ travel. Will I be covered for medical expenses if I contract COVID-19 during the trip?

The policy provides cover for medical expenses if you contract COVID-19 during a trip, on the basis that the policy terms and conditions have been met e.g. you are not travelling to a country that the FCO advises against ‘all but essential’ travel and you have declared any pre-existing medical conditions.
I’m due to travel to a country that the FCO has exempted from its advice of ‘all but essential’ travel. Will I be covered for expenses if I’m required to quarantine on medical advice during the trip?

The policy provides cover for additional expenses incurred in line with the policy limits if you’re required to quarantine on medical advice during a trip, on the basis that the policy terms and conditions have been met e.g. you are not travelling to a country that the FCO advises against ‘all but essential’ travel and you have declared any pre-existing medical conditions.
I’d like to book a trip to one of the countries that the FCO has exempted from its advice of ‘all but essential’ travel. Will I be covered for cancellation if I or a travelling companion or a close family member contract COVID-19, or need to self-isolate, when I am due to travel?

The policy provides cover for cancellation if you, a travelling companion or a close family member contract COVID-19 or where you or a travelling companion receive medical advice to self-isolate (from a GP, NHS 111 or Track and Trace) when you are due to travel.
Will I be covered for cancellation and curtailment if I or a travelling companion are refused boarding of a flight due to having symptoms of COVID-19?

The policy provides cover for cancellation and curtailment if you or a travelling companion are refused boarding of a flight due to having symptoms of COVID-19, on the basis that the policy terms and conditions have been met e.g. you are not travelling to a country that the FCO advises against ‘all but essential’ travel.
Will I be covered for cancellation if when I’m due to travel the FCO has advised against ‘all but essential’ travel to that country?

A. If you purchased your travel policy and had your trip booked by 11 March 2020

Allianz Assistance may be able to consider a claim for your circumstances but you need to recover all refundable parts of the trip before submitting a claim. In the first instance you should contact your travel provider to look into alternative options available to you, such as a change of travel dates. You should seek a refund of your flights and accommodation from the travel provider.

If you are unable to obtain a refund and made the purchase using a card, costs that are not recoverable from your travel provider may be recoverable from your card issuer. If you used a Coutts card for the purchase, please contact Coutts 24 via coutts24@coutts.com with details of your trip (please ensure you don’t include any sensitive information) and they’ll be in touch. Alternatively, please call them on 020 7309 0045. You may also have buyer protection if payments were made through PayPal who can be contacted directly through your PayPal account.

Allianz Assistance may be able to consider a claim if the above steps have been followed but you have been unsuccessful in covering your loss. Please contact the Travel Claims department if your trip is due to take place within the next month by calling them on 020 7126 7531.

B. If you booked your trip after 11 March 2020

Allianz Assistance will not settle a claim for a refund in these instances as COVID-19 still has pandemic status and is an anticipated event. This is due to the general exclusion for claims made as a result of an incident which you were aware of at the time you booked your trip and which could reasonably be expected to lead to a claim.

In the first instance you should contact your travel provider to look into alternative options available to you, such as a change of travel dates.
I’m due to travel in the future but I want to cancel. Will I be covered for a refund?

A. If there are travel restrictions in place for the date of your trip

If you have not been able to obtain a refund from your travel provider and you made the purchase using a card, costs may be recoverable from your card issuer. If you used a Coutts card for the purchase, please contact Coutts 24 via coutts24@coutts.com with details of your trip (please ensure you don’t include any sensitive information) and they’ll be in touch. Alternatively, please call them on 020 7309 0045. You may also have buyer protection if payments were made through PayPal who can be contacted directly through your PayPal account.

If any part of your trip is not refunded, Allianz Assistance may be able to consider a claim for your circumstances (based on the date you purchased your travel policy or booked your trip and if that was before or after the pandemic declaration by the WHO and the FCO advice at that time). The insurer will review claims on a case by case basis but you need to recover all refundable parts of the trip before submitting a claim. Please contact the Travel Claims department if your trip is due to take place within the next month and you wish to discuss your options prior to cancelling it by calling them on 020 7126 7531.

B. If there are no travel restrictions in place for the date of your trip

If there are no travel restrictions in place for the date of your trip from the FCO or equivalent government authority, and you choose not to travel, this is classed as disinclination to travel. Allianz Assistance will not settle a claim for a refund in this instance as like most travel insurance policies, there’s no cover if you’re allowed to travel but you decide you don’t want to. If the travel provider will not agree to alternative options, you should wait to see if the trip can go ahead or not. Cancelling when there is no FCO advice against travel to your destination will void a potential claim from the travel provider or from your insurance policy.
I have pre-booked and pre-paid for some excursions /sightseeing trips (event or theme park tickets) that I can now no longer use as a result of my cancelled trip. Can I make a claim for the costs of these under my insurance?

You should revert to the retailer, ticket or excursion provider in the first instance to seek a refund in accordance with the booking terms & conditions. Depending on whether you chose to cancel or were forced to cancel your trip, costs that are not recoverable from the provider may be recoverable from your card issuer if this was used to make the purchase. If you used a Coutts card for the purchase, please contact Coutts 24 via coutts24@coutts.com with details of your trip (please ensure you don’t include any sensitive information) and they’ll be in touch. Alternatively, please call them on 020 7309 0045. You may also have buyer protection if payments were made through PayPal who can be contacted directly through your PayPal account.

If any part of your costs are not refunded, Allianz Assistance may be able to consider a claim for your circumstances (based on the date you purchased your travel policy or booked your excursions/sightseeing trips and if that was before or after the pandemic notification from the WHO and the FCO advice at that time). The insurer will review claims on a case-by-case basis but you need to recover all refundable costs before submitting a claim. Please contact the Travel Claims department if your trip is due to take place within the next month and you wish to discuss your options prior to cancelling it by calling them on 020 7126 7531.
What if I have contacted my travel provider and asked for a refund but they have refused or will not be looking to process refunds for some time. Can I now make a claim on my travel insurance?

You should discuss further with your travel provider as it may be possible for you to obtain a refund from them. Please refer to their Conditions of Carriage/Booking Conditions for details of your contractual rights regarding refunds if they cancel your booking. If this states they’ll provide a refund, you’ll need to take this up with the travel provider directly or with the appropriate industry regulator if you believe they’re not fulfilling their contractual obligations. If the travel provider has agreed to provide a refund but is unable to provide this immediately, you will need to direct any complaint regarding the delay to them.

Should you be unable to obtain a refund from your travel provider and you made the purchase using a card, costs that are not recoverable from your travel provider may be recoverable from your card issuer. If you used a Coutts card for the purchase, please contact Coutts 24 via coutts24@coutts.com with details of your trip (please ensure you don’t include any sensitive information) and they’ll be in touch. Alternatively, please call them on 020 7309 0045. You may also have buyer protection if payments were made through PayPal who can be contacted directly through your PayPal account.

If the travel provider is not contractually obliged to provide a refund and has not offered an alternative or you cannot recover the trip expense from any other source, such as from the card issuer, or PayPal (where applicable), then Allianz Assistance will consider a claim on a case-by-case basis. Please contact the Travel Claims department if your trip is due to take place within the next month and you wish to discuss your options prior to cancelling it by calling them on 020 7126 7531.
What if travel providers are not offering refunds where the FCO are advising against travel but are offering credit vouchers? Will I be covered for a refund if I still want to cancel?

It may be possible for you to obtain a refund instead of a credit voucher from your travel provider but you would need to contact them and request this directly. You would need to refer to the travel provider's Conditions of Carriage/Booking Conditions to confirm whether or not you have any contractual rights to a cash refund instead. If you do, and you feel that they are not fulfilling their contractual obligations, you may wish to discuss this with them further or refer your concerns to the appropriate industry regulator.

On 18 July 2020, the UK government said it will protect refund credit notes issued between 10 March 2020 and 30 September 2020 for ATOL-protected package holiday bookings, meaning those who accept them will get their money back if the company collapses.

If you choose to decline the credit vouchers and you made the purchase using a card, costs that are not recoverable from your travel provider may be recoverable from your card issuer. If you used a Coutts card for the purchase, please contact Coutts 24 via coutts24@coutts.com with details of your trip (please ensure you don’t include any sensitive information) and they’ll be in touch. Alternatively, please call them on 020 7309 0045. You may also have buyer protection if payments were made through PayPal who can be contacted directly through your PayPal account.

Allianz Assistance will not settle a claim for a refund in this instance as the travel provider offered a credit voucher.
I’ve been offered a credit voucher for a deferred trip and I’m worried that the travel provider will collapse and that I can’t or won’t be able to redeem my credit voucher. Can I make a claim for cash reimbursement?

You should discuss further with your travel provider as it may be possible for you to obtain a cash refund from them. Please refer to their Conditions of Carriage/Booking Conditions for details of your contractual rights regarding refunds if they cancel your booking. If this states they’ll provide a refund, you’ll need to take this up with the travel provider directly or with the appropriate industry regulator if you believe they’re not fulfilling their contractual obligations.

If you choose to decline the credit voucher and you made the purchase using a card, costs that are not recoverable from your travel provider may be recoverable from your card issuer. If you used a Coutts card for the purchase, please contact Coutts 24 via coutts24@coutts.com with details of your trip (please ensure you don’t include any sensitive information) and they’ll be in touch. Alternatively, please call them on 020 7309 0045.

If you accept the credit voucher on a booking that is not ATOL protected and the travel provider goes into administration before you’re able to redeem your credit voucher, you'll need to contact the company administrators to establish if your credit voucher is still valid and, if not, request a cash refund. You may become a creditor of the company at that stage but the administrators will be able to provide advice on whether or not a refund can be provided.

On 18 July 2020, the UK government said it will protect refund credit notes issued between 10 March 2020 and 30 September 2020 for ATOL-protected package holiday bookings, meaning those who accept them will get their money back if the company collapses.

If you are unable to receive reimbursement of the value of the voucher from the administrators or through the ATOL scheme, you may submit a claim for consideration under Section 24 – End Supplier Financial Failure of your policy. To do this please contact IPP Claims at Cunningham Lindsay on +44 (0)345 266 1872, email Insolvency-claims@ipplondon.co.uk or go to their website at www.ipplondon.co.uk/claims.asp. Please ensure you mention Coutts Travel Protection and quote reference ESFI-V2.18.
If I do accept a credit voucher and I want to book a future trip with it now, will I have cover for anything COVID-19 related, be that for any usual policy cancellation reason or for medical expenses whilst on the trip?

For bookings made whilst COVID-19 is classified as a pandemic and when the FCO advice is against ‘all but essential travel’ to that country, you would not be covered for COVID-19 as this would be considered an ‘anticipated event’ at the time of booking. This means that Allianz Assistance would not consider claims as a result of this.

If the booking is made when the FCO advice exempts that country from travel restrictions, then you would be covered for cancellation if you contract COVID-19 or need to self-isolate when you are due to travel. You wouldn’t be covered for cancellation if the FCO then changes its advice and restricts travel.

When you are due to travel, if the country is exempted from FCO advice against ‘all but essential travel’, then you will be covered for medical expenses if you contract COVID-19 during the trip.
I booked my trip and paid my deposit before COVID-19 was an ‘anticipated event’ and before the FCO advised against all but essential international travel. The balance of the trip is now due. What should I do?

Please refer to your travel provider to discuss the options available to you. We cannot provide guidance on what you should do, but if you’d like to discuss how cover may apply for the options you’ve discussed with your travel provider, please contact Allianz Assistance.
If the UK government lifts travel restrictions for the country that I’m due to visit, but that country has closed its borders to tourists, or imposed a quarantine period, then do I have cover?

Whilst there’s no cover for this circumstance, you may be able to change your destination or travel dates with your travel provider. Please contact them directly to discuss your individual situation. If you can amend your trip and you’ve already purchased a single endorsement for your trip through Allianz, please contact Allianz Assistance to discuss how they can change your endorsement to ensure it remains valid.
What if the country I’m travelling to does not have any locally issued travel restrictions and/or my flight is still departing but the FCO are advising against all but essential travel. My travel is not essential and I don’t want to change the date of my trip as the purpose of my trip will no longer exist. Am I covered by my insurance?

You will not be covered to travel to a country or area the FCO have advised British travellers not to travel to for non-essential reasons. If you still travel, the policy will not provide cover as you have travelled against FCO advice.

Please contact the Travel Claims department if your trip is due to take place within the next month and you wish to discuss your cover options prior to cancelling it by calling them on 020 7126 7531. If you booked your trip and had Coutts Travel Protection in place by 11 March when COVID-19 was declared a pandemic, Allianz Assistance will consider claims for any unrecoverable cancellation costs, in line with the policy terms and conditions.
I DON'T WANT TO CONTINUE WITH MY TRIP DUE TO THE 14-DAY QUARANTINE REQUIREMENTS THAT THE UK GOVERNMENT HAS IMPOSED. DO I HAVE COVER?

Whilst there’s no cover for this circumstance, you may be able to change your destination or travel dates with your travel provider. Please contact them directly to discuss your individual situation. If you can amend your trip and you’ve already purchased a single trip endorsement for your trip through Allianz, please contact Allianz Assistance to discuss how they can change your endorsement to ensure it remains valid.
I PAY A QUARTERLY FEE FOR COUTTS TRAVEL PROTECTION AND AM THINKING ABOUT CANCELLING MY POLICY. WHAT SHOULD I CONSIDER BEFORE MAKING THIS DECISION?
You may wish to retain Coutts Travel Protection if:

you’ve made a travel booking and the travel is yet to take place

you’re expecting to book a trip

you’re anticipating or are in the process of making a travel claim for a trip you’ve taken or are due to take.

Please ensure that you review the policy terms and conditions and our guidance to fully understand the cover provided.

If you decide to cancel:

you can do this via Coutts Online or by calling Coutts 24 on 020 7957 2424

and if you have an annual endorsement, please call Allianz on 020 7126 7532, as you may be entitled to a pro-rata refund from the date of cancellation.
How can I protect myself from financial loss if my travel bookings can’t be honoured?
If you live in the UK and the amount you are paying on your credit card is between £100 and £30,000, your booking may be covered under Section 75 of the Consumer Credit Act if the booking has not been fulfilled or provided by the company you have booked with.

If you use a card, you may be entitled to request a chargeback from your card issuer where the booking has not been fulfilled or provided by the company you have booked with.

If you don’t want to use a card, PayPal also offers buyer protection when payments are made through their system.

Choose a flexible booking option to ensure you can make changes should you need to.

For accommodation, many providers offer free cancellation on reservations. Although it can sometimes cost a little more than a non-refundable booking, this guarantees you a refund if you need to cancel for any reason after making the reservation.

When booking a package trip, check if the provider is ATOL bonded (UK-based providers only). You’ll then be refunded if the provider cannot fulfil the contract or goes into liquidation before you travel. It also offers protection if the travel provider goes into liquidation whilst you’re on your trip, including assistance for any additional accommodation or transport needed to ensure a safe return to the UK.

Always check the terms of booking to ensure you’re satisfied with the conditions being applied. Some providers include ‘force majeure’ clauses which can leave you out of pocket with no entitlement to a refund if the provider cannot fulfil the booking due to extraordinary reasons that are beyond their control. Please be aware that this is more common with companies based outside the UK.

Information correct as at 14/12/20.

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.

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
Baggage loss to the value of £10,000, with a single article limit of £1,000

Coutts Travel Protection includes Travel and Loss Damage Waiver Insurance. Sections A1-A23 of this travel insurance are underwritten by AWP P&C SA and Section A24 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 020 7126 7531

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 insurance guide

To register a claim in the first instance, you can call 020 7126 7531

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

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 020 7126 7531

IMPACT ON TRAVEL IN EUROPE AFTER BREXIT

We know our clients like to travel and that you may have some questions about travelling after 31 December 2020.

What has changed when travelling in the EU?

Any existing EHIC cards will still be valid until they expire. New cards, renewals or replacement EHIC requests will be provided as GHIC cards. GHICs and most UK EHICs do not cover you in Norway, Iceland, Liechtenstein or Switzerland. It’s important that you ensure you take out appropriate travel insurance.
What you will need to consider when travelling after 31 December 2020?
Passports – on the day you travel, you’ll need your passport to have at least six months left until expiry as some counties won’t let you in if the passport is not between 6 months and 10 years.

If your trip exceeds 90 days, you may need to apply for an electronic visa waiver - ETIAS (European Travel Information and Authorisation System. This is regardless of the fact Coutts Travel Protection has a maximum trip limit of 93 days).

Check you have the right driving documents.

Organise pet travel - contact your vet at least 4 months before you go to get the latest travel advice.

Check with your mobile phone provider about potential roaming charges

Further information, including business travel can be found on the Foreign Commonwealth and Development Office website

Information correct as at 04/01/2021.

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IMPACT ON TRAVEL IN EUROPE AFTER BREXIT