Your Ultimate Reward Current Account benefits

Access your benefits online

  • Our app makes it easy to manage your account benefits online.
  • You can find key information about your benefits and how to use them when you need to.
  • For full details of your benefits, policies, account terms & conditions and the range of third party providers we use, please read the Getting Started Guide (PDF, 1.33 MB).

How to do it

Let us show you step by step.

  1. Sign in and select the three dots next to your packaged bank account.
  2. Scroll down to select View account benefits.
  3. Select the account benefit you need support with and follow the instructions.

Get set up online

Mobile Banking app

Join our 7 million app users.

  • Simple and secure sign in.
  • Stay up to date with notifications.
  • Chat to us online.

 

More about our app

QR code to download our Mobile Banking app

Online Banking

Sign in to view or manage your accounts on our website.
 

Sign in now

 

Register for Online Banking

Mobile Banking app

Join our 7 million app users.

  • Simple and secure sign in.
  • Stay up to date with notifications.
  • Chat to us online.

Download app

More about our app

Online Banking

Sign in to view or manage your accounts on our website.

Sign in now

Register for Online Banking

Let’s take a closer look

  • Travel insurance

    Administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA.

    Important information

    Pre existing medical conditions aren’t covered under this policy, unless they are agreed with the insurer first. An additional premium may apply. If this affects you contact Allianz Assistance directly to find out more.

    You might want to visit the MoneyHelper service, which lists firms offering travel insurance for customers with medical conditions. This could help if you’ve been offered cover with a high premium, been refused, or have had cover cancelled due to medical conditions. Think about what might suit your needs best and who you need specialist cover for. For more information access the directory.

    If you’re looking for the online self-assessment medical screening link, this is currently unavailable. To understand if you or anyone to be covered under the policy have any conditions that could impact your cover please call Membership Services.

    If you are unfortunate enough to need medical help whilst abroad, please call Allianz Assistance’s 24 hour helpline.

    For emergencies:

    If you are taken by ambulance to a hospital following an emergency, you or a companion should call us as soon as possible once you have been admitted to hospital.

    For non-emergencies:

    If you need a GP or need to go to A&E or a clinic, please call us before you try to locate help, so we can guide you to the safest and most appropriate source of treatment.

    Some key benefits

    Some important exclusions

    Some key benefits

    • Worldwide multi-trip family travel cover
    • Covers winter sports and golf trips
    • Covers UK trips where accommodation is pre-booked for 2 nights or more
    • Includes cover for:-
      • Personal belongings up to £2,500
      • Single article, pair or set of articles up to £500
      • Valuables up to £500 in total
      • Personal Money up to £750 (cash £300)

    Some important exclusions

    • Cover ceases fully on your 71st birthday. As long as the account holder is aged under 71, their spouse, civil partner or partner will also be covered until they reach 71
    • Pre-existing medical conditions aren’t covered unless agreed by the insurer
    • The maximum trip duration is 31 consecutive days, for Winter sports a maximum 31 days cover in any calendar year
    • £75 excess per adult per incident may apply
    • Cover includes your spouse, civil partner or partner and children aged 18 or under, or 24 or under if in full time education. Children are covered when travelling with the holder(s) of the Ultimate Reward Current Account or a Responsible Adult. There's cover for a dependent child where they are staying with a responsible adult even if they were not accompanied during their travel to the destination
    • There is no cover if travelling against the advice of the Foreign, Commonwealth & Development Office (FCDO) or other regulatory authority
    • There is no cover if you cannot travel or choose not to travel because the FCDO, or any other equivalent government body in another country advises against travel due to a pandemic
  • AA Breakdown Family Cover

    AA Breakdown Family Cover is provided by Automobile Association Developments Limited (trading as AA Breakdown Services).

    Making a claim:

    You or an eligible family member can make a claim with the AA.

    More about AA breakdown family cover

    AA Accident Assist:

    AA Accident Assist is available to account holders only. This service could help if you or a person insured on your vehicle are in a motor accident where all parties are insured. The service could recover and fix your vehicle, provide a replacement vehicle or courtesy car and manage insurance claims.

    The service is only available in England, Wales and mainland Scotland and is not available for motorbikes or mopeds.

    We have included the AA Accident Assist terms and conditions in the policy documents. The link is provided above. You will only be asked to agree to the terms if you choose to use the service. The AA will check to see if you are eligible, talk through your situation, describe the help the service can offer, as well as any costs that may be involved, so that you can decide if you want to go ahead.

    Some key benefits

    Some exclusions and rights to refuse service

    Some key benefits

    • Roadside Assistance
    • At Home
    • Provides cover within the UK, Channel Islands and Isle of Man
    • Cover for the account holder and eligible family members, not the vehicle

    Some exclusions and rights to refuse service

    • Does not include AA National Recovery, which would recover you/eligible family members to any single UK destination of choice. Under this cover if it is not possible to fix the vehicle at the roadside, you or your eligible family member will be recovered to a local repairer or the AA’s choice or a destination of the covered person’s choice provided it is no further
    • There’s no cover for you /your eligible family member if you or they are involved in a road traffic accident and the AA will not recover your vehicle. The AA may be able to provide support in the event of an accident if you decide to use the AA Accident Assist service - see below
  • Mobile phone insurance

    Mobile phone insurance is arranged through Lifestyle Services Group Limited with a single insurance provider, Assurant General Insurance Limited.

    Registering your phone

    You can register your mobile phone details with the insurer using Online Banking.

    Instructions for registering your phone online:

    • Sign into Online Banking and select your Ultimate Reward Current Account.
    • Select the More actions option and then Account information and benefits.
    • Select View account benefits.
    • From here, you can register your phone under Mobile phone insurance

    If you don’t bank online, you can also register your phone by calling Membership Services.

    If your phone is lost or stolen, you must notify the police and your airtime provider as soon as possible. Not taking these actions could result in your claim being declined.

    You will be asked the following information so make sure you have it ready:

    • Make and model of your phone. Tip: check your instruction manual or remove the back cover and battery to see a label with this information
    • Your service/network provider. Tip: details of your service provider are often displayed on the screen of your phone or are on your contract or monthly statement
    • Your International Mobile Equipment Identity (IMEI) number. Tip: this will be displayed on your mobile phone screen by dialling *#06# on the keypad.

    Sign into Online Banking

    Register for Online Banking

    Some key benefits

    Some important exclusions

    Some key benefits

    • One phone per account holder, maximum of two for joint accounts
    • Repair or replacement phone up to a maximum value of £2,000 (including VAT) per claim
    • Covers for loss, theft, damage or breakdown (including faults).

    Some important exclusions

    • Excess of £100 is payable on all successful claims
    • No more than 2 successful claims per account holder in any 12 month period
    • If you make a valid claim for a replacement handset, you will receive a refurbished device which has been through a comprehensive checking process to ensure it’s in full working order
  • Home emergency cover

    Home emergency cover is provided by AXA Assistance and is underwritten by Inter Partner Assistance SA (IPA).  

    Raising a claim

    Before you make a claim, please remember:

    • If you are a tenant, you must get agreement from your landlord before contacting the insurer
    • You must contact the insurer before instructing any tradesman

    Some key benefits

    Some important exclusions

    Some key benefits

    • Covers a sudden unexpected incident to your home which needs immediate action to:
      • Make it safe or secure and avoid damage or more damage
      • Make it fit to live in
      • Restore electricity, gas or water services if they have totally failed
    • Provides a qualified person chosen by the insurer to deal with the emergency up to £250.

    Some important exclusions

    This policy is to deal with ‘home emergencies’ needing immediate attention only and will cover costs up to a maximum of £250. It does not cover broken freezers for example.

You might also like

Message us online

Get answers to your everyday banking questions. Sign in to our app or Online Banking to get in touch.

How to message us

Bank accounts

Switching or upgrading? We’ve got accounts with great benefits to accounts with no monthly fee.

Find a bank account

Do more with our app

Find out about all the great features of our highly rated app, and how it compares to Online Banking.

More about our app

Bank accounts help and guidance

Need some help? See our guides, common enquiries and more.

Find the help you need

Bank accounts help and guidance

Need some help? See our guides, common enquiries and more.

Find the help you need