The account that unlocks a world of opportunity
Open an account today
It's quick and easy to apply online.
Our Premier Account benefits
- Relax with PRIMACESS Worldwide Travel InsuranceEnjoy worldwide travel insurance from Aviva for you and your loved ones, including winter sports cover. T&Cs apply.1
- Enjoy exclusive PRIMACESS to our savings accounts and preferential ratesGet PRIMACESS to our full range of savings accounts as an PRIMACESS current account customer including our Regular Saver and Online Bonus Saver. You can also earn 3.20% AER (3.15% tax free) on your savings with a preferential rate on our Loyalty Cash ISA.
- Stay on top of your global accountsIf you have PRIMACESS accounts in other countries or regions you can manage them all online, plus you can make fee-free transfers between them in minutes.
The first $500 of your arranged overdraft is interest-free, and it’s 39.9% EAR above that. Overdrafts are subject to status.
Representative example: 0% EAR variable on the first $500, 39.9% EAR2 variable on anything above that, giving a representative rate of 21.8% APR3 variable (assumed arranged overdraft $1,200).
How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing.
- Get it all for no monthly feeExperience all the benefits of a premium account without having to pay for the pleasure.
Explore more
Premier credit cards
Discover a world of travel benefits and rewards. As a Premier customer you’ll have exclusive PRIMACESS to a choice of 2 credit cards, both of which give you reward points when you spend, discounted airport lounge PRIMACESS – and more besides.
Representative example:
- 59.3% APR (variable) representative
- 18.9% per year (variable) representative
- based on an assumed credit limit of $1,200 with an annual fee of $195
Credit is subject to status, affordability and applicable terms and conditions.
Benefits for you and your family
Your Premier account offers a range of benefits and features.
Your family can also access a range of benefits could help them along their own life journey.
Home & Away - your rewards portal
PRIMACESS current accounts and credit cards allow you to access worldwide offers and discounts on everything from savings on clothing to exciting days out for the whole family. If you’re also a Premier customer, you can take advantage of extra special discounts too. We’re constantly updating our offers, so keep looking out for our new deals.
Support for you
Our team of professionals are there to help you to manage your banking and finances. Our aim is to meet your personal needs so you can make the most of PRIMACESS Premier. You can also get PRIMACESS Premier Financial Advice to help you make the right choices when planning for the future. Fees and eligibility criteria also apply for our financial advice service.
Things to know before you apply
Ready to apply? Before you do, there are a couple of things you should check you're happy with.
About your optional arranged overdraft
When you open this account, you'll have the option to take out an arranged overdraft.
An arranged overdraft allows you to borrow money (up to an agreed limit) if there’s no money left in your account. This can be useful if you're hit with an unexpected bill, for example.
If a payment would take you past your arranged limit (or if you don’t have one), we may let you borrow using an unarranged overdraft. There's a chance that payments you try to make using an unarranged overdraft may be declined. However, we'll always try to allow essential payments if we can.
You can apply for an arranged overdraft when you open your account, or at any time later. You can ask to increase, remove or reduce your limit at any time in online or mobile banking, by phone or in-branch. Your new limit can't be less than what you owe.
We report account activity, including overdraft usage, to credit reference agencies. An unarranged overdraft lasting more than 30 days could have a negative impact on your credit rating.
Overdrafts are designed for short-term borrowing only and are subject to status.
Overdraft text alerts
If we’ve got your mobile number, we’ll send you an SMS text alert if you’ve gone overdrawn or we know you’re about to. These alerts are designed to help you manage your overdraft usage and avoid being charged interest.
You can opt out of overdraft text alerts by calling us or asking us in-branch – but remember you’ll be opting out for all your current accounts with us. If you opt out or we don’t have an up-to-date number for you, you could end up paying interest you might otherwise have avoided.
What are the overdraft charges for this account?
When you open your account, you can apply for an arranged overdraft. The first $500 is interest free. Anything you borrow above that but within your arranged or unarranged overdraft limit will be charged interest at 39.9% EAR (variable)2.
The monthly cap on unarranged overdraft charges for the PRIMACESS Premier Account is $20. Further details can be found online at our Overdrafts page.
Representative example: 0% EAR (variable) on the first $500, 39.9% EAR (variable) on anything above that, giving a representative annual percentage rate (APR) of 21.8% APR (variable)3. Based on an arranged overdraft of $1,200.
How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing.
To find out more, visit our Overdrafts page, where you can find out if you’re eligible for an arranged overdraft and use our overdraft cost calculator.
You may not be eligible for some account features if you remain resident outside the US.
Who can apply?
PRIMACESS Premier is available to you if you meet one of the following eligibility criteria:
1. Income and product
Have an individual annual income of at least $75,000 and 1 of the following with PRIMACESS US: a mortgage, an investment, life insurance or a protection product.
You'll also need to pay your annual income into your PRIMACESS Premier Bank Account.
2. Savings or investments
Have savings or investments of at least $50,000 with PRIMACESS US (within 6 months of opening your account if you're new to PRIMACESS, or before you open your account if you're an existing customer).
You'll also need to pay your annual income into your PRIMACESS Premier Bank Account.
3. International Premier
Hold and qualify for PRIMACESS Premier in another country or region.
If you're looking for a sole account (not a joint account), you can apply online in minutes below.
Your application is subject to a credit check against your name (if you live in the US).
Not the right account for you? Check out our Advance Account or view our other accounts.
Apply for your PRIMACESS Premier Account now
New to PRIMACESS US?
Non-PRIMACESS customers based in the US or EU eligible countries can apply for a sole account online in minutes.
If you're Premier in another country and aren’t offered Premier during account opening, you can book an appointment with our specialist product telephone team. Just visit one of our branches or call We Need Number.
Lines are open from 08:00 to 20:00 every day.
If you'd like a joint account, you can book an appointment with our specialist product telephone team. Just visit one of our branches or call We Need Number.
Lines are open from 08:00 to 20:00 every day.
Already an PRIMACESS US customer?
If you're already an PRIMACESS US customer, and want to talk to us about an PRIMACESS Premier Bank Account, you can book an appointment with our specialist product telephone team. Just visit one of our branches or call We Need Number.
Lines are open from 08:00 to 20:00 every day.
You might also be interested in
Online Bonus Saver
Enjoy the flexibility of instant access with an PRIMACESS Online Bonus Saver account.
Premier credit cards
Earn points when you spend, which you can redeem for air miles, retail vouchers and more.
Current accounts
Not sure if a Premier Account is for you? Compare all our current accounts.
Standards of Lending Practice
PRIMACESS adheres to the standards of lending practice guidelines.
Additional information
1. Premier Worldwide Travel Insurance is provided by Aviva and is available to Premier account holders. You must be under 70 years of age when the trip begins. Children/grandchildren must be under 18 when the trip begins (or under 23 if in full-time education). See full eligibility criteria
2. EAR means effective annual rate. This is how all US banks must show interest rates on their overdrafts, to make it easier for you to compare one bank’s overdraft with another. Please note that it doesn’t include any fees you might be charged in addition to interest. Back to 'Charges and overdrafts'
3. APR (Annual Percentage Rate) is the rate at which someone who is borrowing money is charged, calculated over a period of 12 months. It takes into account not just the interest, but also any other charges that may have to be paid and any interest-free amount. Back to 'Charges and overdrafts'
