Current Account

The cornerstone of your banking relationship with Coutts, the Current Account is designed to meet your day-to-day banking needs.


Day-to-DaY Banking

The Coutts Current Account puts you in charge of your money when you need it. Available to individuals, trustees and personal representatives in sterling, the Current Account is accessible through Coutts Online and Coutts Mobile, and maintains some of our longer standing features, including the Coutts cheque book.

The Current Account comes with an innovative autosweep facility which enables clients to manage account balances between their Current Account and linked Coutts deposit accounts. An unsecured, or secured, overdraft facility is also available with the Current Account.

The accompanying Coutts Debit Card (VISA Debit card) is accepted at retail outlets worldwide, enabling you to transact quickly and conveniently, online, via ATMs or over the phone or the counter. You can pay people or organisations in the UK through Standing Orders, Direct Debits, Faster Payments, CHAPS and banker’s drafts while SWIFT and SEPA euro Credit Transfers are available to pay people or organisations abroad.

The Current Account is available in all major currencies and the Debit Card with multi-currency capability allows you to spend like a local when travelling abroad.

All credit is subject to approval and affordability checks. Terms and conditions apply. Over 18s only. Security may be required. Product fees may apply.

Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.


Fees and Charges

You will be charged an annual tariff of £900 (or currency equivalent) for your sole Coutts Private Client banking relationship. This tariff will be pro-rated and applied quarterly in arrears in March, June, September and December. This tariff will be £1,200 if you are not resident and not domiciled in the UK

You will also be charged an annual tariff of £900 (or currency equivalent) for each joint relationship you hold with us. This tariff will be pro-rated and applied quarterly in arrears in March, June, September & December. This tariff will be £1,200 if you are not resident and not domiciled in the UK. The joint relationship tariff will not be charged if all parties to the relationship also hold a sole relationship with us.

We will waive your quarterly tariff in whole or in part based on the average value of combined assets and liabilities that you hold with us.

Coutts Private Client Banking Tariff

Coutts Current Account Fee Information Document

Coutts Currency Account Fee Information Document

Coutts Charitable Giving Account Fee Information Document

Coutts Standardised Terms

International Currency
Delivery Service

  • Order a choice of 50 currencies, including Sterling (which is subject to a fee) and have it delivered direct to your home the next day or on a specified future date.
  • Orders can be placed via Coutts 24, 24 hours a day, 365 days per year (Orders will be processed during business hours).
  • UK delivery only. Full terms available here

Already a client?

For more information about our
services, please speak to your
adviser or call +44(0) 20 7957 2424.

Become a client

Please get in touch online or call
020 7753 1365 to find out more
about our services.

Calls may be recorded.

Your eligible cash deposits held with Coutts & Co are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered. Investment business undertaken with Coutts & Co in the UK may be covered by the FSCS, the cover depending on the nature of the claim being made. Eligible claims for most types of investment business are covered up to a maximum of £85,000 per person. FSCS cover is not available for loss of money resulting from performance of the investment.

We participate in the Current Account Switch Service which simplifies the process of transferring your day to day banking to us.

Become a Client

When you become a client of Coutts, you will be part of an exclusive network.