You can also earn 1% back in Rewards when you spend with our retail partners: Caffe Nero, EuropCar, Barrhead Travel, Boux Avenue and ATG Tickets.

Your Rewards balance can grow quickly, they're easy to earn and they're easy to exchange.

As soon as your available Rewards balance is the equivalent of £5 or more, you can log in to MyRewards to exchange them. Keep in mind, if you choose to bank your Rewards it will take 5 working days to clear.

To login, you first need to set-up your MyRewards account. You'll need your Ponance Bank debit card number on hand.

Family cover includes you and your partner, plus any dependent children under age 18 at the start of the journey, (under 23 if they’re in full-time education). Children must be living at the home address (or with the other parent), and be neither married or in a Civil Partnership.

Your partner is the person you, the account holder, lives with at the same home address in a relationship, whether married or cohabiting.

If anyone covered by the policy is aged 70 or over, you must get in touch each year to obtain cover. You will need to pay an annual premium of £75 per person insured aged 70 or over and be medically screened.

In addition, if anyone covered by the policy, regardless of age, has a medical condition, you may need to pay an additional premium or accept that your cover may exclude certain conditions.

Please call 0345 609 0453 (Relay UK: 18001 0345 609 0453) or confirm your premiums and cover online.

If our insurers U K Insurance Limited (UKI) are unable to offer you an upgrade to extend the level of cover you need, or your upgrade insurance premium is higher than you expected because you have medical conditions, help could still be available.

UKI have been working with the Financial Conduct Authority and Money Helper to create a directory that you can search when UKI are unable to help.

Money Helper Directory

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777

Monday to Friday, 8am to 6pm | Saturday, Sunday and Bank Holidays, closed

Enjoy 10% discount on holidays, hotels, car hire and more.

Receive 5% discount when you book a cruise.

Airport lounge access for 2 with any flight or holiday booking.

Register online here to book your holiday, car hire or hotel any time, day or night

What you should know

No credit card or booking fees. No limit to the number of times you can use the service. Charges apply to cancellations or changes to bookings.

Use your Reward Platinum debit card for purchases anywhere in the world without the worry of incurring extra charges or carrying around lots of cash.

No Non-Sterling Transaction fee when you make a payment outside the payment in a foreign currency.

Not valid for ATM withdrawals. Other local fees may apply.

Covers the phone you use on a daily basis. If your account is in joint names, cover is also provided for the phone the other account holder uses on a daily basis. There is no cover for phones owned by your employer.

2 approved claims can be made in any 12-month period. If this is a joint account, each account holder can make 2 approved claims, with a maximum of 4 per account.

Claims are settled by replacing or, in certain circumstances, repairing your phone. Our replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts. Our repairs use genuine manufacturer or manufacturer quality parts.

There is a £100 excess for each approved claim when your phone is replaced.

There is a £50 excess for each approved claim when you choose our convenient walk-in or mobile repair options.

Replacement phones include a 12-month warranty. Phones repaired by our mobile or walk-in repair agents include a 24-month warranty.

Cover is for all vehicles owned by you and registered at your home address. You are also covered in any privately registered vehicle you travel in, anywhere in the UK, including Homecall.

Limited to 5 callouts in any 12 months.

Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.

Buy online through membership services and take advantage of up to 40% off the price of cinema tickets.

Valid at over 250 cinemas including Vue, ODEON and Showcase.

Any day, any time, any film.

Some restaurants may exclude tastecard use on Friday or Saturday evenings, Mother’s Day, Father’s Day, Valentine’s Day, the whole of December and potentially other "event" type days.

Where restaurants offer 50% off they may limit the number of people; where restaurants offer 2 for 1 this does not include side dishes or extras.

Some restaurants require the customer to book prior to arriving.

Our mobile app is available to Online Banking customers with an international mobile number in specific countries.

What can you get up to with our mobile app?

Log in with your fingerprint on selected Apple and Android devices– it’s simple, secure and fast.

View, cancel and amend your regular payments – so you manage your bills where and when it suits you. Limits apply.

Easily pay family and friends using their mobile number - (as long as they have our mobile app or are registered for Paym). Pay Your Contacts makes it quick and easy, and they’ll get the money instantly. Limits apply.

Get cash without your card – Ideal if you’ve left your card at home. Simply go to any Ponance Bank or Tesco cash machine and follow the steps in the app. You can withdraw up to £130 every 24 hours.

That’s only half the story. Find out what else you can do. More about Mobile app.

Whether you're new to saving, or more of an expert, our Savings Hub is designed to help you find the savings account that best suits your needs. We have a range of accounts which you could have access to if you open a current account with us.

View all savings accounts

Individual account eligibility criteria and conditions may apply.

Get rewarded for saving regularly

We've just added Digital Regular Saver to our range of savings accounts. You'll get our highest interest rate when you save between £1-£150 by standing order each month, on balances up to £1000. What are you waiting for?

View our Digital Regular Saver

Specific account eligibility criteria and conditions apply.