FAQ Managed Bank Account Current Account

FAQ's

No credit checks? Are you sure?
That's right Secure Trust Bank do not credit check. They only carry out a check for 'Identity verification'.

How long does it take to set up an account?
Secure Trust Bank will provide you with everything you need to operate your account within 10 working days (providing all information requested has been returned).

Is it a credit card?
No

Is the MasterCard also my Current Account card?
Yes

How do I get the money from my account to my card?
There are two ways:

Firstly, Secure Trust Bank will set up a standard transfer of funds each month following receipt of your salary, this will be based on your monthly disposable income, this amount can be altered at any time by contacting Secure Trust Bank’s customer service team and speaking to one of their friendly advisors.

Secondly, you can request additional transfers at any point during the month, again by contacting one of Secure Trust Bank’s advisors. All you need is sufficient funds in your account to transfer.

Will I be charged for going overdrawn?
No, the account is designed to ensure that you cannot go overdrawn so you don't need to worry about any unexpected charges coming your way

Is this another one of those cards with another electronic account attached?
NO! You will be provided with an actual current account provided by a fully authorised and regulated bank......Secure Trust Bank!

Can I set up Direct Debits and Standing Orders?
Yes, Secure Trust Bank have the facility to allow you to set up both Standing Orders and Direct Debits from your Current Account.

Do I have access to Cheques?
Although the account does not carry a chequebook facility you can ask Secure Trust Bank to raise a cheque in your name from your account similar to a banker's draft. This cheque can be made payable and sent to the person or company of your choice. Details of the charge for the issue of a cheque are detailed in the scale of charges.

What if I want to close my account?
A closure is simple, firstly send Secure Trust Bank written confirmation that you wish to close, this will set the wheels in motion. They will check the available balance on your account, if the amount is greater than £2.50 they will send you a cheque for the amount (minus the standard £2.50 cheque charge) this will be accompanied by a letter confirming that your account has now closed.

How do I get money into my account?
Two ways, by electronically sending to your sort code / account number, this is normally how your employer pays your salary directly into your current account. Secondly, by paying cheques and cash over the counter at any Barclays Branch using either one of the paying in slips you received in your welcome pack or by using one of Barclays own counter slips

Is my new card Chip and Pin or mag-stripe
Secure Trust Bank take protection of your money very seriously, that is why all of their cards are chip and PIN protected.

Where can I use my new card?
Your new card carries the MasterCard Logo and so can be used at all ATMs and Retail outlets that display the MasterCard Logo. (Some pay@pump machines at petrol stations may not be accepted)

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The current account and prepaid card from Secure Trust Bank PLC is easy to setup and easy to use. Open an account today and start enjoying the benefits.

We are here to help you resolve your financial position and give you guidance every step of the way to minimise your stress.

*Account opening and monthly management fee payable. Subject to suitable proof of ID and verification. Credit checks may be carried out for anti money laundering purposes only.

Me2Money is a Division of Debt Advisory Line LLP. Registered in England and Wales. Registration number OC319921. Registered Office: 1C Riparian Way, Crossing Business Park, BD20 7AA.

The current account and prepaid card is issued and managed by Secure Trust Bank Public Limited Company pursuant to a license by MasterCard® International Incorporated or its affiliates.

Secure Trust Bank PLC. Registered in England and Wales. Registration number 541132. Registered Office: One Arleston Way, Solihull, B90 4LH. Authorised and regulated by the Financial Services Authority. This card is issued by Secure Trust Bank PLC pursuant to a license from MasterCard® International Incorporated. MasterCard® is a registered trademark of MasterCard® International Incorporated.

Click the Automatic Signup button below and in just 5 minutes you can automatically sign up directly with Secure Trust Bank.

All the benefits of a debit card without the worry of overdraft fees!