Charge Card support

A charge card allows you to make purchases on credit, much like a credit card. However, it requires you to pay your card bill in full by the due date. Your Weatherbys Charge Card is connected to your Weatherbys current account and each month the outstanding balance will be automatically deducted from that account. Unlike the Weatherbys Debit card, the charge card is issued under the Mastercard scheme.

The Weatherbys Charge Card is only available to existing Weatherbys Private Bank clients.

A charge card is only suitable for borrowing over a very short period of time as you will be required to repay the outstanding card balance each month.

Each time the card is used, you will be utilising a proportion of the limit placed on the card. It is your responsibility to ensure the total balance at the end of each month is available within your nominated Weatherbys account to cover the total spend in full.

If you want to borrow a large amount and/or repay it over a longer period, you should seek more appropriate ways to borrow. For further details on loans, please speak to your private banking team or call +44 (0) 1933 543 600.

Annual fees:
There is an annual membership fee for the main card holder of £300. The fee will be charged in the first month the account is open and then annually thereafter. An additional card for another Weatherbys account holder is available. The first additional card is provided at no extra cost, with the same benefits as the main account holder. Any further cards are subject to an annual fee of £100.

Annual main card fee: £300

Annual associate card fee: First additional card is provided at no extra cost, further cards are £100

Please note: the main cardholder may benefit from a zero fee additional card when applying for another card within the same product tier.

Other charges:
Cash withdrawals – 2.90% min 5 GBP
Foreign currency conversion fee for transactions – 2.90%

Late payments
The charge card is linked to your Weatherbys current account. If there are insufficient funds in your current account to pay any balance due, you will have to pay interest on arranged and unarranged overdrafts at the applicable overdraft interest rate.

The use of your card is subject to the fees and charges as set out above. All fees and charges will be debited from your card at such time as they are incurred which will reduce your available monthly spending limit. Cash and foreign currency conversation charges will be displayed on the monthly charge card statement. Annual card fees will be deducted from your Weatherbys current account on an annual basis.

Insurance

Your Weatherbys Charge Card comes with a comprehensive suite of travel and lifestyle insurance cover when you use your card to pay for travel arrangements.

Airport lounge access

Complimentary membership and four lounge entry passes are included each year for the cardholder and guest(s), subject to airport lounge availability, is available via the Digital Priority Pass where you will find details of 1,500+ airport lounges worldwide which you can use whenever you travel.

Your monthly spending limit is the total amount you can borrow and spend on your Charge Card in any one calendar month. We will set your limit according to your circumstances, your account history, and any other relevant information.

The limit will apply from the date your card is issued until the next monthly payment due date and the limit will thereafter always reset on the monthly due date (which will be the 5th calendar day of the month or the next working day).

If you require more than one card, we will ask you to tell us how you wish your total monthly spending limit to be split between your main and additional card(s).

We will continue to set your limit according to your circumstances, your account history and any other relevant information. If we change your limit we will tell you before we do this.

Your charge card billing cycle will end on the 1st of each month when your statement will be generated. Your monthly spending limit will reset on the monthly payment due date, which is the 5th calendar day of the month or the next working day. If you reach the monthly spending limit before the 5th of the month, your card usage will be restricted until the limit resets to the original amount.

Your Weatherbys Charge Card must be linked to your Weatherbys current account, and every month when the balance is due, it will be deducted from your account. You must pay the full outstanding card balance each month.

If there are insufficient funds, this may take your account into overdraft or over your overdraft limit. It is your responsibility to ensure there are sufficient funds in your Weatherbys account each month to avoid your account going into overdraft.

You must repay the full amount due each month. The amount due will be the total of your monthly card transactions in the prior calendar month, which you can view on your monthly statement. It is your responsibility to ensure you will have available cleared funds to cover the monthly charge card payment on any due date. If you are having difficulty funding your current account for the next monthly payment due, or if you think you may struggle making payments in the future, please get in touch with us as soon as you can.

After discussing the charge card with your private banking team, we will agree on your spending limit. You will then receive a link to a short online form where you will be asked to set up your security questions. If you wish to proceed, you will need to read, understand and accept terms and conditions. We will then share this information and other relevant data with the card issuer, Accomplish. You will receive an email inviting you to download the Weatherbys Charge Card app or visit the web portal to register and activate your card. After you have registered, a virtual card will be available in the app to download to a mobile wallet for instant use. Your physical cards will also be sent to you within 5 to 7 working days.