Day-to-day banking

Current accounts, cards & payments

We provide a broad range of services to help you keep the management of your day-to-day finances simple, including current accounts that can be arranged with unsecured or secured overdrafts, depending on the level of borrowing you require. These accounts come with a contactless debit card, to help make small everyday purchases quick and simple. We also offer current accounts in a range of currencies, as well as charge cards in US Dollars and Euros. We also help clients with Foreign Exchange and international payments.

If you would like to hear more about our banking services, do get in touch. If you would like to transfer your banking to us, this can be easily managed using the Current Account Switch Service.

Expert support & digital banking

Many of our clients have complex financial day-to-day needs, and our Bankers are on-hand to help, whether that be in the creation of accounts for trusts or other legal entities or making urgent payments around the world, they provide a professional, efficient and quick service. Our digital banking service, which includes a banking 'app' for Apple and Android devices, enables clients to securely check balances and statements, and make payments and transfers. It also provides a secure messaging facility that allows clients to send messages and attachments to their Private Banker.

For clients who choose to keep their banking offline, our relationship-led service will always be the core of what we offer.

All borrowing is subject to status and is available to persons of 18 or over. Security might be required for borrowing in the form of a charge or standard security over land, or other forms of security over your investments or other assets. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Overdraft Calculator

The overdraft provides our client with the flexibility to borrow in case of need without having to approach the bank every time, and with interest only payable on the amount actually borrowed on a daily basis. Use this calculator to estimate how much an overdraft might cost you.

The results show how much interest you will pay along with the indicative arrangement fee and the total sum to be repaid.

You selected an overdraft of £ at a rate of %, over a term of days




Assumptions and explanatory notes:
  • The calculator is for use by personal current account clients only
  • "Base rate" refers to the current Bank of England Base rate
  • The amount range on the calculator is £1,000 to £1,000,000 and the term range is 1 to 31 days. If you require borrowing outside of these parameters please contact your Private Banker
  • There is no arrangement fee up to and including £10,000. The indicative arrangement fee above this is 1% of the overdraft limit. This will be discussed and agreed with your Private Banker during the application process.
  • The calculator assumes you draw down the overdraft in full on day 1, make no debits or credits to the overdraft during the term and repay it in full, including the interest and arrangement fee, at the end of the term
  • The calculator is provided for illustrative purposes only, and all of our overdrafts are agreed on an individual basis. Please contact your Private Banker to discuss your specific requirements
  • If you are not currently a client of Hampden & Co and are interested in finding out more, please do get in touch. You can use 'Get in Touch' form, send us an email or give us a call – all the details are below.

Currency Conversion Calculator

View our exchange rates and how they compare to the latest European Central Bank rates.

When you use your card to make a payment or withdraw cash in a foreign currency*, we convert it into GBP. We do this using the exchange rate set by MasterCard®; The exchange rate changes every day.

*The retailer will handle the conversion and may charge you a fee for doing so.

Contact Us

Already a client?

Contact your banker

Please contact your banker by phone or email using the details provided to you. Alternatively, find your banker’s details here.

You can also use digital banking or our banking app to send a message directly to your banker.

Call our 24-hour Card Centre

To report a card as lost or stolen, or if your card details or PIN have been compromised, please contact our Cards Centre immediately on:
+44 (0) 345 601 1107

You can also manage your cards from your mobile phone using our Card Transact app

Call our offices

London: 020 3841 9922
Edinburgh: 0131 226 7300

Office hours are Monday to Friday, 9am to 5pm, excluding English bank holidays.

Becoming a client