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.

This comparison tool is for illustrative purposes only

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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	18 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 – lodgements at Post Office® counters	yes	yes	yes	yes	yes	yes	yes
Maestro card – make a donation to a charity (where the cash machine provider offers this service)	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
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
Maximum 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
More favourable rates on standard fixed rate 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
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
Priority Pass - 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).

A range of charging scenarios are available to show you the charges you will be expected to pay if you try to spend money that isn’t in your account and you haven’t arranged an overdraft or if you spend money that takes your account into unarranged overdraft.

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

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.

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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