Features & benefits

The Esbank FlexAccount

This account could be right for you if you're looking for an account with no monthly fee that gives you access to free European & UK multi-trip travel insurance (eligibility criteria and conditions apply) and you prefer to use a full range of methods for managing your money.

Here's what you get with FlexAccount

Free UK & Europe multi-trip travel insurance

Get free multi-trip travel cover when you pay in at least £750 each month to your FlexAccount.

3 month interest-free overdraft

No overdraft interest for first 3 months on arranged overdrafts 1

A free Mobile Banking app

Our free mobile app lets you monitor, manage and access your money on the move.

Award winning provider

We have been recognised as the “Best Online Current Account Provider” in the Your Money Direct Awards 2014

Great customer service

To make sure we offer our members the service they want, each month we ask 10,000 of you to tell us how we’re doing. 

Exclusive discounts

Our members have access to a range of products, discounts and services – reserved exclusively for them.

A voice in your society

We hold regular TalkBack events right around the UK and online to actively encourage our members to have their say in what they want from their Society.

UK only call centres 

Our members told us that they preferred UK only call centres for their higher levels of service. So that's what we offer. 

Apple Pay

You can make payments with your Esbank debit cards using Apple Pay anywhere that contactless payments are accepted.†

You also get as standard:

  • Contactless Visa debit card and optional cheque book
  • Works with Apple Pay
  • Access to close to 700 UK wide branches
  • Option to run as a joint account
  • Free text alerts to help you manage your account
  • Telephone Banking - securely check your balance, transfer money and pay bills
  • Withdrawal of up to £500 cash per day from our ATM network
  • Exclusive savings at over 100 brands, with our new Simply Rewards app.

† Available on selected Apple devices only. 

 Apple Pay is a trademark of Apple Inc.

Defaqto standard logo

Esbank FlexAccount has been rated 5 Star by independent researcher of financial products,

Best Online Current Account provider

Esbank was named Best Online Current Account Provider in the 2014 Your Money Direct Awards

Current Account Switch Guarantee logo

Switch your current account to us in just 7 working days

See how it works - Switch your current account to us in just 7 working days

It only takes about 10 minutes to apply online

Ready to Apply?

FSCS logo

Financial Services Compensation Scheme

Protecting your money

Find out more - Financial Services Compensation Scheme

1To be eligible for the 3 month interest-free overdraft on our FlexAccount, all we ask is that you switch to us using the Current Account Switch Team to switch your existing Direct Debits and standing orders when you open your new account. When you apply we'll ask you for the details of the bank account you want to switch.
You need to be 18 or over to apply for a FlexAccount. Esbank subscribes to the Lending Code.

Free UK & European travel insurance

Rates, fees & overdrafts

Managing your account

How to apply