Optimum account

The Optimum Account is perfect to support your everyday transactional banking requirements, so you can manage your finances across borders, make payments and access your money wherever you are in the world.

What does it offer me?

Minimum opening balance:

  • £4 000/ US$6 000/ €6 000/ AU$6 000
  • No minimum income required

Key Benefits:

  • Supported currencies: GBP/ USD/ EUR/ AUD
  • Unlimited deposits and withdrawals.
  • With an optional Visa debit card* pay for goods and services online and at retail outlets, access your cash at ATMs worldwide, and enjoy 24/7 customer service
  • Standing orders on all currency accounts and direct debits for Sterling accounts.
  • Access to savings accounts and foreign exchange.
  • No account maintenance fee if a minimum average quarterly balance of £4 000/ US$6 000/ €6 000/ AU$6 000 is maintained.

*Fees and charges apply

Digital services

Internet banking: Make payments in a range of currencies or check your balance with fast and secure 24/7 online banking. Discounted payment fees apply when sending international payments through Internet Banking.

Mobile banking: Manage your accounts on the go using your mobile device. View account activity, transfer funds/ make payments internationally between accounts you hold with us. Link any accounts you hold within the Standard Bank Group.

Terms and Charges

Click on the links below to access information on our terms, conditions and charges. These documents form part of your agreement with the Bank when opening and maintaining an account with us.

What do I need to apply?

Are you:

18 years or older?
Able to meet the minimum opening balance requirement of £4 000 or currency equivalent?
If your answers to these questions is ‘Yes!’, you can apply for an Optimum account.

Apply Online Now

Apply By Phone

To view our most up-to-date interest rates sheet, click on the link below:
(Please note: a PDF will open in a new window)

Download current interest rates

Online Banking Login

Contact us

Personal Banking

Debit Card (24/7 services)

General Enquiries

+44 (0) 1624 643623

Lost / Stolen Cards

+44 (0) 1624 643644

New Clients


+44 (0)1624 643700

South Africa

+27 (0) 860 333 383