Your Unizest account costs £4.99 a month (or £59.88 a year).
You can order your first Debit Mastercard for free, paying with the card costs nothing to use in the UK, in British pounds –but payments in other countries or in foreign currencies cost extra.
You don’t have to pay to receive payments, but there’s a small charge for making payments or withdrawing money at an ATM.
And there’s no overdraft, so you can’t spend more than you’ve got.
All the details
Here’s exactly what everything costs.
| General account service | Fee | |
| Maintaining the Unizest account | Monthly fee Total annual fee payable monthly | £4.99 £59.88 |
| Payments (excluding cards) | Fee |
| Sending and receiving money within the UK | ||
| Sending money via Faster Payments (Same day) | Per payment | £0.99 |
| Sending money via Faster Payments (Standing order) | Per payment | £0.99 |
| Sending money via Direct Debit | Per payment | £0.99 |
| Sending money via CHAPS | Not applicable | — |
| Receiving money in pounds | Per payment | £0.00 |
| Sending and receiving money outside the UK |
| Sending and receiving money outside the UK | ||
| Sending money in pounds regular | Per payment | £10.00 plus 0.5% of amount sent |
| Receiving money in pounds | Per payment | £0.00 |
| Receiving money in a foreign currency | Not applicable | £0.00 |
| Unpaid direct debit | Per payment | £10.00 |
| Cards and cash | Fee | |
| Issuing of primary debit card | Free | £0.00 |
| Issuing of additional debit card | Per card | £5.00 |
| Replacement debit card | Per card | £10.00 |
| Debit card payment in pounds | Per transaction | £0.00 |
| Debit card payment in a € currency, Europe | Per transaction | £0.10 plus 2% of the transaction value |
| Debit card payment in currencies other than € & £ | Per transaction | £0.10 plus 3% of the transaction value |
| Cash withdrawal in pounds in the UK | Per withdrawal | £0.99 |
| Cash withdrawal in € | Per withdrawal | £1.75 plus 2% of the transaction value |
| Cash withdrawal in currencies other than € & £ | Per withdrawal | £2.00 plus 3% of the transaction value |
| Refusing a payment due to lack of funds | Per payment | £0.10 |
| Allowing a payment despite lack of funds | Not applicable | £0.00 |
| Overseas transactions in € | Per transaction | £0.10 + 2% |
| Overseas transactions in currencies other than € & £ | Per payment | £0.10 + 3% |
| Overdrafts and related services | Fee | |
| Arranged overdraft | Not applicable | £0.00 |
| Unarranged overdraft | Not applicable | £0.00 |
| Other services | Fee | |
| ATM balance enquiry | Per enquiry | No charge |
| PIN Change at ATM | Per change | No charge |
| Unpaid direct debit | Per unpaid direct debit | £10.00 |
