Day-to-Day Banking

Day to day banking

Current accounts, cards & payments

We provide a broad range of services to help you keep the management of your day-to-day finances simple, including current accounts that can be arranged with unsecured or secured overdrafts, depending on the level of borrowing you require. These accounts come with a contactless debit card, to help make small everyday purchases quick and simple. We also offer current accounts in a range of currencies, as well as charge cards in US Dollars and Euros. We also help clients with Foreign Exchange and international payments.

If you would like to hear more about our banking services, do get in touch. If you would like to transfer your banking to us, this can be easily managed using the Current Account Switch Service.

Expert support & digital banking

Many of our clients have complex financial day-to-day needs, and our Bankers are on-hand to help, whether that be in the creation of accounts for trusts or other legal entities or making urgent payments around the world, they provide a professional, efficient and quick service. Our digital banking service, which includes a banking 'app' for Apple and Android devices, enables clients to securely check balances and statements, and make payments and transfers. It also provides a secure messaging facility that allows clients to send messages and attachments to their Private Banker.

For clients who choose to keep their banking offline, our relationship-led service will always be the core of what we offer.

All borrowing is subject to status and is available to persons of 18 or over. Security might be required for borrowing in the form of a charge or standard security over land, or other forms of security over your investments or other assets. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Overdraft Calculator

Our overdrafts provide clients with the ability to borrow funds flexibly and with interest only payable on the amount actually borrowed on a daily basis. Please use the calculator below to see the charges incurred by different typical overdraft arrangements. Please do note however that all our overdrafts are agreed on an individual basis to reflect clients’ individual circumstances. If you would like to discuss how we might be able to tailor arrangements for you, please do get in touch

Amount

Overdraft type

Term

The results show how much interest you will pay along with the indicative arrangement fee and the total sum to be repaid.

You selected an overdraft of £ at a rate of %, over a term of days

ARRANGEMENT FEE £

INTEREST PAYABLE £

TOTAL REPAID £

Assumptions and explanatory notes: The calculator is for use by personal current account clients only
"Base rate" refers to the current Bank of England Base rate
The amount range on the calculator is £1,000 to £1,000,000 and the term range is 1 to 31 days. If you require borrowing outside of these parameters please contact your Private Banker
The indicative arrangement fee is 1% per annum of the overdraft limit, subject to a minimum of £100. This will be discussed and agreed with your Private Banker during the application process
The calculator assumes you draw down the overdraft in full on day 1, make no debits or credits to the overdraft during the term and repay it in full, including the interest and arrangement fee, at the end of the term
The calculator is provided for illustrative purposes only, and all of our overdrafts are agreed on an individual basis. Please contact your Private Banker to discuss your specific requirements
If you are not currently a client of Hampden & Co and are interested in finding out more, please do get in touch. You can use 'Get in Touch' form, send us an email or give us a call – all the details are below.

Get in Touch

If you would like to discuss banking with Hampden & Co, please complete the form with your details. Alternatively, call us directly at the one of the numbers below. We look forward to hearing from you.