You need to be 18 or over to apply for a FlexAccount, FlexDirect or FlexPlus account.
You need to be 11 to 17 to apply for a FlexOne account. Once you have one, you can keep it until you're 23.
Advertised rates correct at 29 October 2014 and these rates can be changed at any time.
*We have the right to withdraw the FlexOne Film Card offer at any time.
**Esbank was named Best Online Banking Provider in 2014 Your Money Direct Awards.
†Available on selected Apple devices only.
1 FlexDirect gives you access to 5% AER (4.89% gross p.a.) interest on your in-credit balance up to £2,500. This rate is fixed for first 12 months and then reverts to 1% gross p.a./ AER variable afterwards. You must pay £1,000 or more (excluding internal transfers) into your account each month to receive in-credit interest with FlexDirect.
Under the terms and conditions of this account customers are only entitled to one promotional credit interest rate of 5% AER (4.89% gross pa.). The only permitted exception to receive more than one promotional rate is if the additional account is held in joint names.
Any additional FlexDirect accounts held or more than one joint account held by you and another customer will result in the credit interest rate being reduced from 5% (4.89% gross p.a.) to 1% gross p.a/ AER (variable) within 7 working days of the account being opened. If you have previously held a FlexDirect account in the last 12 months, you will not be entitled to the introductory rate or offer under a new agreement and therefore you will receive the standard 1% gross p.a /AER (variable).
2 Overdrafts are only open to customers aged 18 or over and are subject to approval.
3 To be eligible for the interest-free overdraft, all we ask is that you use our Current Account Switch Team to switch your existing Direct Debits and standing orders when you open your new account. Switching to us is easy, and we can manage it for you. More on switching.
4There are some limitations and exclusions to the insurance policies and benefits that come with our FlexAccount and FlexPlus accounts. Please make sure you read the Insurance policies and account benefits information before you decide if this account is right for you.
5 To open a FlexOne Regular Saver account you must hold a FlexOne current account and be 11 - 17 years of age. On your 23rd birthday your FlexOne Regular Saver account will be closed and any balance transferred to a Instant Access savings account or nearest equivalent. You can only hold one FlexOne Regular Saver account.
Esbank subscribes to the Lending Code (This link will open in a new window) (This link will open in a new window). For more information on the Lending Code please visit http:/// (This link will open in a new window) (This link will open in a new window).