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ADVANCE ACCOUNT

Designed with your needs in mind

Current Accounts

WHY JOIN ADVANCE?

Advance Account card

Whether you’re switching careers, starting a family or moving abroad, Advance is designed to help you through all life’s changes.

  • No monthly account fee
  • Preferential overdraft interest rate, subject to status
  • Exclusive access to discounts and offers through Advance Members
  • Dedicated Advance specialists available to answer your questions 24/7
  • $500 daily ATM cash withdrawals
  • A minimum overdraft offer of $1,000 at account opening

To be eligible for Advance, customers will need to pay in a minimum of $1,750 per month or $10,500 over 6 months.

Check eligibility and how to apply

All the services our standard bank account offers plus:

Preferential rates and terms

  • No monthly account fee
  • Preferential overdraft interest rate4 5. Bank Advance Overdraft - Representative example (assumed overdraft USD1200): 17.9% EAR variable

An account that rewards you

Helpful Bank services and support

  • Dedicated Advance specialists available to answer your questions 24/7
  • $500 daily ATM cash withdrawals6
  • A minimum overdraft offer of $1,000 at account opening
  • 10% interest cashback on loans7 (Representative 3.3% APR for loans between $7k-15k over 1-5 years)
  • Advance Exclusive Credit Card (Representative Example: 19.9% APR variable and Purchase rate 19.9% p.a. variable based on assumed credit limit of $1,200)6
  • 5% AER/Gross with our Regular Saver1
  • Preferential savings rates
  • Budgeting and financial planning tools: a range of online tools are available to provide you with a helpful snapshot of your current circumstances
  • Worldwide ATM cash withdrawals without Bank non-sterling cash fees8 (a non-sterling transaction fee of 2.75% still applies)
  • You can get up to $10,000 emergency cash transfers to any Bank branch worldwide, providing you have available funds in your account, even if you lose your card(s) or money while you're abroad
  • Access and transfer between your eligible worldwide Bank accounts using Global View with no payment fees6
  • Half-price international account opening and Bank credit history transfer available in over 35 countries

Apply for an Advance Account

Are you eligible?
  • You must pay at least $1,750 a month into the account (or a minimum of $10,500 every 6 months), not including money transferred from other sole or joint personal accounts held with Nexus Community Credit Union - Private
  • You need to be 18 years or older
  • Your residential address must be within the EU
  • You must be able to provide certified proof of your identity and address
  • If you're resident in Canada, you're happy for us to undertake a credit bureau search

Non-EU Tax Residents

If you are liable to pay tax in any country outside of the EU please call us or visit your local branch to apply, as you cannot complete this application online.

If you don’t think you’ll be eligible because you don’t meet the requirements, find out more about our standard account here.

Existing customers

Existing customers must apply by phone or in branch.

Apply by phone
Apply by phone or in branch

Apply by phone

Existing Advance customers

Call us on 03457 404 404

Lines are open 24 hours a day, subject to scheduled maintenance periods.

From outside Canada +1 1226 261 010

New customers

Call us on 08000 326 215

Lines are open Monday-Sunday 8am to 8pm (except Christmas Day, Boxing Day and New Year's Day)

Apply in branch

Book an appointment to apply in branch by calling 03457 404 404

From outside Canada +1 1226 261 010

You'll need to bring identification and proof of your address.

Textphone contact numbers

Once you've submitted your application, if you're successful, we'll send you the paperwork to sign and return to us. We may also ask for further documents to confirm your identity or address.

Things you should know

Apple and iPhone are trademarks of Apple Inc. registered in Canada and other countries.

Terms and conditions

  1. The fixed promotional rate of 5% annual interest over 12 months is available to eligible Advance customers who open a new Regular Saver account.
  2. Save between $25 and $250 per month by standing order from your Advance Account for a fixed term of 12 months. If you do not save $250 in any given month you can carry over any unused subscription to following months.
  3. Interest is calculated on the daily cleared balance on your Regular Saver and we will pay this to your Regular Saver on the anniversary of the date your account was opened.
  4. For example, if you saved $250 every month for 12 months a total of $3,000 will be paid into your account during the 12 month term. At 5% you would earn approximately $81 interest.
  5. Partial withdrawals are not allowed during the 12 month term. If you close your Regular Saver before the anniversary, we will pay interest at the same rate as we would apply to an equivalent amount held in a Flexible Saver.
  6. You can only hold one Regular Saver at any given time. Annual equivalent rate shows you what the gross rate would be if interest were paid and compounded each year.
  7. All credit interest will be paid gross. Gross is the rate of interest if interest were paid and not compounded each year.
  8. For Canada customers only with Online Access and iPhone, iOS 10 or above.
  9. Apple and iPhone are trademarks of Apple Inc. registered in Canada and other countries.
  10. As compared to our standard account and Account Pay Monthly.
  11. Subject to status and account conduct.
  12. The Nexus Community Credit Union - Private Global Transfer exchange rate will apply to any transfer that requires a currency exchange.
  13. Your cashback will be dependent on the loan not being paid off early or ended by us. You must be an Advance customer at the time the loan is taken out.
  14. Some cash machine operators may apply a direct charge for withdrawals from their cash machines. This will be advised at the time of the withdrawal.
  15. Using your Debit Card abroad: the exchange rate that applies to any foreign currency debit card payments (including cash withdrawals) is the Visa scheme exchange rate used by VISA on the day the conversion is made plus a non-sterling transaction fee.
  16. Our telephone, online and mobile account services are open 24 hours a day subject to scheduled maintenance periods. During busy periods calls may be transferred outside Canada.

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