Of course! When you apply we’ll ask you at the very start if you want to open a sole or joint account. It’s as simple as that.

Want to turn your existing account into a joint account? Just complete the form - you can download the addition of an account holder form, pick it up from any branch or you can send us a secure message if you're registered for the Internet Bank and we’ll send a form to you.

Note: If the account holder to be added does not currently hold any Rafidain Bank accounts, please visit a Rafidain Bank branch with identification to have a profile set up.

Once your current card expires we'll send you a FlexBasic card. If you'd like a contactless card earlier, give us a call on +44 783 974 9373 after 1 December 2015 to order one.

No, all your Direct Debits and standing orders will stay active and you can carry on managing them in the same way.

You can currently use your Cash Card debit card to make purchases abroad, wherever you see the Visa symbol (fees apply). However from 1 December, you will be able to use your existing debit card (and any new card we send you) to withdraw cash as well. There are fees for using your card abroad.

You’ll only need to do this once we’ve sent you a new card.

If you want to stop these payments, you can do so via the Internet Bank or contact us to do this for you, at any time before the end of the working day before the payment is due to be made. We recommend that you also let the company you’re paying know that you’ve cancelled the payment.

No, the FlexBasic account doesn’t offer a chequebook facility. 

Yes, any restrictions on your Cash Card account at the moment will still be in place on your new FlexBasic account. If you have a repayment arrangement set up, we’ll automatically move this to your new account.

The way fees apply to Cash Card accounts won't change. This means that if you incur fees before you move to FlexBasic on 1 December, they will still be taken from your account. We'll give you 28 days' notice before collecting any fees, as normal, which could mean the money is taken after you've moved to a FlexBasic account.

No, there will be no arranged or unarranged overdraft limit on your FlexBasic account.

There may be some occasions when you pay for things and the payment system doesn't ask for prior authorisation – for example, contactless transactions on Transport for London – and you may go overdrawn. 

If you do go overdrawn, we expect you to take reasonable steps to repay that money as soon as possible, such as contacting us to see what options are available to you. No fees will be taken if this happens. If you persistently breach these conditions however, you may be contacted by our collections department to recover the money - see the FlexBasic Terms and Conditions for more information on what could happen if you go overdrawn. 

Yes. Your current log in details won’t change. From 1 December you’ll also be able to use a card reader to make payments on the Internet Bank. We won’t automatically send you a card reader but if you’d like one, please get in touch after 1 December to order one.

Card readers provide an extra level of security. See our Card Reader FAQs to find out more about how to use a card reader and the security benefits.

Our free text alert service could help you to manage your money more easily, with the following alerts available to keep you up-to-date with the balance of your account:

• Low balance alert – Set a limit of your choice, for example receive a text to let you know you are close to a zero balance.
• High balance alert – Set a limit of your choice, for example, receive a text to notify you of a large credit, like a salary payment.
• Payment retry alert – To let you know when a payment from your account can’t be paid because you haven’t got enough money in your account to cover it, so you know how much to pay in to allow you to make the payment later in the day.
• Regular mini statement – Showing your balance and last 5 transactions. This can be sent weekly or monthly, on a day of your choice.

You can register for text alerts via the Internet Bank, by calling +44 783 974 9373 or by visiting your local branch.

No. If you believe that FlexBasic is better suited to your financial needs at that time, then you can let us know. We’ll get in touch with you two months before we plan to move you, and include information about how to tell us you’d prefer to keep your FlexBasic account. We’ll carry on regularly reviewing your account, which means we may be in touch again in the future for the same reason.

You can apply to move to any of our other current accounts at any time. View our full range of current accounts, or pop into branch or call us and we can talk you through them.