Artichoke Flower

BANKING

Credit Unique Bank provides an in-depth understanding of your private banking needs. We offer choice and flexibility in managing your finances, while preserving the personal touch and accessibility you expect from Credit Unique Bank.

 

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Current accounts

The Credit Unique Bank Current Account is designed to meet your day-to-day banking needs. It is available in sterling and most major currencies.

 

Deposit accounts

A simplified but versatile range of accounts designed for your short, medium and longer-term cash management needs.

 

OUR DEBIT, CREDIT AND CHARGE CARDS

Important information - payments: confirmation of payee

Best Debit Card Programme of the Year - The Card and Payments Awards

Our distinctive Credit Unique Bank Debit and Silk Cards come with a package of carefully selected benefits which reflect the lifestyle of our clients.

  • Designed for a world without borders, our Debit Card features multi-currency capability, allowing you to connect your Debit Card to any of your eligible currency accounts.
  • Available as a Charge Card or Credit Card, our Silk Card comes with access to Concierge – a service that combines the best of digital and expert services in dining, tickets and travel. Silk Cards can also be tailored to meet the needs of you and your family – additional cardholders can be added to your account with the ability to customise spend and benefits on additional cards.
     

  • Silk Charge Card

    Our Silk Charge Card comes with a highly monthly spending limit and can be adjusted to suit your lifestyle. Silk Charge Cards offer the ability to order additional cards with tailored spending limits and varying benefits.

    REPRESENTATIVE 0% APR VARIABLE  ·  OVER 18S ONLY
    NO ANNUAL FEE

  • Silk Credit Card

    Similar to the Charge Card, our Silk Credit Card allows our clients to order additional cards with tailored spending limits.

    REPRESENTATIVE 14.7% APR VARIABLE  ·  OVER 18S ONLY
    NO ANNUAL FEE

  • Debit Card

    The contactless Credit Unique Bank Debit Card allows you to access your funds quickly and easily. Recognised globally, it is your ideal companion at home and abroad with benefits such as 0% Non-Sterling Transaction fees and multi-currency capability.
     

Credit Unique Bank travel protection

Our comprehensive travel cover includes worldwide travel and loss damage waiver insurance and has been rated 5 star by Defaqto.Credit Unique Bank Travel Protection is available to our clients for £400 per year.

Updated 8 April 2022

The government has removed the remaining Covid-19 domestic restrictions in England. Covid-19 restrictions for foreign travel to and from the UK have also changed. It’s important to check the Foreign, Commonwealth and Development Office (FCDO) website before you leave as other countries still have some restrictions in place. FCDO rules must be followed to ensure Credit Unique Bank Travel Protection is valid.

 

ALLIANZ (OUR INSURER)

Allianz will follow the FCDO advice on deciding whether a claim is valid or not. There are three levels of FCDO advice in place:

  • no advice against travel
  • advice against all but essential travel; and
  • advice against all travel

Cover is valid when there is no FCDO advice against travel. Consideration will be given for 'Essential Travel' so long as evidence can be provided in the event of a claim to support that the nature of the trip made travel essential. There is no cover provided for travel to any destination the FCDO have advised against all travel to, regardless of the reason for the trip.

 

SUMMARY

In terms of the country specific restrictions, the onus is on the person travelling to determine what restrictions/rules they need to follow. This doesn't remove the need to follow the FCDO advice on which countries you can travel to. Travelling to a country the FCDO have advised against will void the travel insurance policy.

 

 

Guidance about our Travel Cover and Coronavirus

 

COVID-19 continues to impact travel and whilst it’s impossible to provide assistance for every scenario, we are continuing to update our guidance based on the most recent type of questions that have been asked by our clients.

If you’re looking to make a claim for a trip booked before 11 March 2020:

  • you should try and claim from your travel provider in the first instance (if they offer you a voucher, you may have a right to decline this and continue to insist on a refund instead)
  • if your travel provider does not give you a refund and you paid for your trip on a debit, credit or charge card, you can try and claim a full cash refund from your card issuer within 120 days of the trip start date
  • if you’re unable to obtain a refund from your card issuer, you may be able to make a claim on your Coutts Travel Protection.

If you’re looking to make a claim on your Coutts Travel Protection, you should read our guidance below and be aware of the following key points:

  • as COVID-19 was declared a global pandemic by the World Health Organization on 11 March 2020, if you booked your trip and held Coutts Travel Protection by 11 March 2020, then claims related to COVID-19 will be considered if you’re unable to recover your cancellation costs from your travel provider or card issuer
  • if you booked a trip and took out Coutts Travel Protection after 11 March 2020, you will not be covered for claims relating to COVID-19 travel restrictions
  • like most travel insurance policies, there’s no cover on the policy if you’re allowed to travel but you decide you don’t want to (this is known as disinclination to travel)
  • all claims made on your policy, including those that aren’t related to the pandemic, will be reviewed in line with the terms and conditions of your Coutts Travel Protection policy, on a case by case basis.

 

 

Guidance for Making Claims On your Credit Unique Bank Travel Protection

 

This guidance covers Credit Unique Bank Travel Protection beneficiaries who:

  • had a trip booked before 11 March 2020; or
  • book a new trip.

 

  • What key timelines are the insurer working to?

    The World Health Organization (WHO) declared that COVID-19 was a global pandemic.

    COVID-19 became an ‘anticipated event’: an event or occurrence which beneficiaries or their immediate family knew would occur or could have been reasonably expected to occur during their trip and which beneficiaries or their  immediate family were aware of at the time of booking their trip. This impacts all trips booked after 11 March 2020.

     

    17 March 2020

    The Foreign, Commonwealth and Development Office (FCDO) advised against all non-essential travel abroad for a 30 day period and released the following statement: ‘COVID-19 Exceptional Travel Advisory Notice - As countries respond to the COVID-19 pandemic, including travel and border restrictions, the FCDO advises British nationals against all but essential international travel. Any country or area may restrict travel without notice.’

     

    The FCDO advised all British travellers to return to the UK and issued the following statement: ‘The Foreign Secretary advises all British travellers to return to the UK now - All British tourists and short-stay travellers currently abroad should return to the UK where commercial flight options are still available.’

     

    The FCDO advice was subsequently updated to advise against all but essential international travel indefinitely.

     

    3 July 2020

    The FCDO updated its advice against ‘all but essential’ travel, exempting destinations that no longer pose an unacceptably high risk for British travellers.

     

    The exemptions announced by the FCDO on 3 July 2020 came into effect.

    Please continue to check the Foreign, Commonwealth and Development Office (FCDO) website for up-to-date restrictions before you travel

  • Will I be covered for my trip if I travel to a country that the FCDO advises against ‘all but essential’ travel?

    The policy will not cover anyone who travels against FCDO advice or any travel advice that has been issued by an equivalent government authority.

  • I’m due to travel to a country that the FCDO has exempted from its advice of ‘all but essential’ travel. Will I be covered for medical expenses if I contract COVID-19 during the trip?

    The policy provides cover for medical expenses if you contract COVID-19 during a trip, on the basis that the policy terms and conditions have been met e.g. you are not travelling to a country that the FCDO advises against ‘all but essential’ travel and you have declared any pre-existing medical conditions.

  • I’m due to travel to a country that the FCDO has exempted from its advice of ‘all but essential’ travel. Will I be covered for expenses if I’m required to quarantine on medical advice during the trip?

    The policy provides cover for additional expenses incurred in line with the policy limits if you’re required to quarantine on medical advice during a trip, on the basis that the policy terms and conditions have been met e.g. you are not travelling to a country that the FCDO advises against ‘all but essential’ travel and you have declared any pre-existing medical conditions.

  • I’d like to book a trip to one of the countries that the FCDO has exempted from its advice of ‘all but essential’ travel. Will I be covered for cancellation if I or a travelling companion or a close family member contract COVID-19, or need to self-isolate, when I am due to travel?

    The policy provides cover for cancellation if you, a travelling companion or a close family member contract COVID-19 or where you or a travelling companion receive medical advice to self-isolate (from a GP, NHS 111 or Track and Trace) when you are due to travel.

  • Will I be covered for cancellation and curtailment if I or a travelling companion are refused boarding of a flight due to having symptoms of COVID-19?

  • I have pre-booked and pre-paid for some excursions /sightseeing trips (event or theme park tickets) that I can now no longer use as a result of my cancelled trip. Can I make a claim for the costs of these under my insurance?

  • What if I have contacted my travel provider and asked for a refund but they have refused or will not be looking to process refunds for some time. Can I now make a claim on my travel insurance?

  • What if travel providers are not offering refunds where the FCDO are advising against travel but are offering credit vouchers? Will I be covered for a refund if I still want to cancel?

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