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 serviceFee
Maintaining the Unizest accountMonthly 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 DebitPer payment£0.99
Sending money via CHAPSNot applicable
Receiving money in poundsPer payment£0.00
Sending and receiving money outside the UK
Sending and receiving money outside the UK
Sending money in pounds regularPer payment£10.00 plus 0.5% of amount sent
Receiving money in poundsPer payment£0.00
Receiving money in a foreign currencyNot applicable£0.00
Unpaid direct debitPer payment£10.00
Cards and cashFee
Issuing of primary debit cardFree£0.00
Issuing of additional debit cardPer card£5.00
Replacement debit cardPer card£10.00
Debit card payment in poundsPer transaction£0.00
Debit card payment in a € currency, EuropePer 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 UKPer 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 fundsPer payment£0.10
Allowing a payment despite lack of fundsNot 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 servicesFee
Arranged overdraftNot applicable£0.00
Unarranged overdraftNot applicable£0.00
Other servicesFee
ATM balance enquiryPer enquiryNo charge
PIN Change at ATMPer changeNo charge
Unpaid direct debitPer unpaid direct debit£10.00