Customers whose accounts offer telephone banking can often have round-the-clock access to their bank account by telephone. Most everyday transactions can be carried out by telephone banking, for example, paying bills, asking for a balance, transferring money between accounts.

This means that the bank will not charge the customer to run their bank accounts. (i.e. customers are not charged for services including ATM withdrawals, Standing Orders or Direct Debits). Fees or charges may apply for other associated products or services.