Compare accounts

The grid below compares the features of our seven great packages - Northern Freedom, Northern 24/7, Northern Choice, Northern Choice Plus, Northern Prestige, Northern Discovery and Northern Personal Access.

Choose which one is best suited to you and read more about each current account package in the 'Products' section.

Contact us

You can contact us in any of the following ways with the options below:

Write to us By phone Arrange an appointment Click here for more contact information

Products	Northern Discovery	Northern Personal Access	Northern Freedom	Northern Choice	Northern Choice Plus	Northern Prestige	Northern 24/7
	Apply	Apply	Apply	Apply	Apply	Apply	Apply
Age	11 to 17	14 and over	18 to 27	18 and over	18 and over	18 and over	18 and over
Current account	yes	yes	yes	yes	yes	yes	yes
eBanking	yes	yes	yes	yes	yes	yes	yes
24 Hour Telephone Banking	does not apply	yes	yes	yes	yes	yes	yes
Maestro card -cash withdrawals at cash machines and at PostOffice® counters	yes	yes	yes	yes	yes	yes	yes
Maestro card - point of sale (for example, shops, over the phone, through the internet)	yes	yes	yes	yes	yes	yes	yes
Maestro card - cheque guarantee limit	does not apply	does not apply	£100	£100	£250	£250	£100
Chequebook available	does not apply	does not apply	yes	yes	yes	yes	yes
Arranged overdraft available	does not apply	does not apply	yes	yes	yes	yes	yes
Amount of arranged overdraft available with no arrangement fee	does not apply	does not apply	up to £3000	up to £7500	up to £15000	up to £50000	up to £10,000
Commission-free foreign currency	does not apply	does not apply	yes	does not apply	yes	yes	does not apply
Discounted arrangement fee for residential home loans	does not apply	does not apply	yes	does not apply	yes	yes	does not apply
Favourable rate for personal loans	does not apply	does not apply	yes	does not apply	yes	yes	does not apply
Favourable interest rate on Linked Savings Accounts	does not apply	does not apply	does not apply	does not apply	yes	yes	does not apply
Discounted rates on Home Insurance from Hiscox	does not apply	does not apply	does not apply	does not apply	yes	yes	does not apply
Worldwide family travel insurance benefits (MasterCard Gold and Platinum card holders only)	does not apply	does not apply	does not apply	does not apply	yes	yes	does not apply
Access to airport lounges for MasterCard Platinum holders and one guest	does not apply	does not apply	does not apply	does not apply	does not apply	yes	does not apply
Monthly package fee	does not apply	does not apply	does not apply	does not apply	yes	yes	does not apply

Note: Northern Personal Access is a Basic Bank account.

Whether we grant you any of our credit facilities depends on your age and circumstances.

We may change or withdraw the products or benefits associated with Northern personal packages.

When comparing the Personal Packages, you should also consider the fees and service charges and interest rates which apply to each package. Details are available in our ‘Fees and service charges explained' and 'Interest rates' leaflets (available at any branch and on this website).

If you are under 18, you may need your parents or guardian’s permission before you can use some services.

Hiscox currently offers Choice Plus and Prestige account holders a 10% discount, for homes and contents insurance. Hiscox buildings cover is available where the rebuilding cost of your home is greater than £170,000 and Hiscox contents cover is available where the value of your contents is greater than £55,000. Cases that do no meet his Hiscox's underwriting criteria may be referred Hiscox - recommended specialist insurance broker, where this offer will not apply.

If you hold a Northern Choice Plus or Northern Prestige account, we will ask you to pay back a certain amount of the discount you receive off your residential home loan arrangement fee if you close your account within three years of getting the home loan (known as clawback). You can ask for details of the discount available (and the clawback arrangements) when you apply for your residential home loan.

Learn more

Need some tips and information? Do you need to know more about how to open or use a current account? Read more about current accounts	Interested in other products? If you are interested in some of our other products, you can find out more below. Loans Mortgages Savings and investment