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Help & info

Just type in your query, or have a look at the list of popular questions below.

Accounts

  • What is Everyday Rewards?

    Everyday Rewards is a scheme that you can opt into which rewards you for your Everyday Banking Behaviours.
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  • Can I access my joint account from your mobile app?

    Yes, both account holders can download the app and register on different phones.
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  • How do I apply for tax-free interest on my account if I do not normally live in the United Kingdom?

    You can download the R105 form (application for a saver not resident in the UK to get deposit account interest without tax taken off) from HMRC, or fill it in online.
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  • Can I change my mortgage rate before the end of my initial rate period?

    You may be able to change your mortgage rate before the end of your initial rate period.
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  • How does the Bank of England base rate affect my mortgage?

    Find out how The Bank of England base rate affects Tracker, Standard variable & Fixed rate mortgages.
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  • Can I make overpayments on my mortgage?

    Overpayments are when you pay an extra amount into your mortgage each month, with the aim of saving interest in the long run, or funding future underpayments.
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  • Does a Student Current Account come with a debit card?

    Yes, if you're 18 or over and already hold a student account with us you'll be issued with a debit card. (Subject to status). This account is no longer available to new or existing customers.
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  • I’m a mortgage customer – how do I change my address?

    You'll need to call us to discuss why you're no longer living at the property.
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  • Where can I find a Joint Account Consent form?

    Download our Joint Account Consent form then send it to the address provided.
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  • How do I add or remove a joint account holder?

    To add or remove a joint account holder, complete the appropriate form and return it to us.
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  • How do I order a chequebook for my account and how long does it take to arrive?

    To request a chequebook or any other stationery for your account, login to online banking and send us a secure message.
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  • How do I transfer from a sole account to a joint account?

    You'll need to fill in a form and either post it to us or drop it in to your local branch.
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  • Is there a monthly fee for your current accounts?

    Current Account, Current Account Plus, Cashminder, and Student Account do not charge a monthly subscription fee.
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  • Can my partner be added to my account if they have just moved to this country?

    Yes, as long as they can prove their identity and address.
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  • Will all account holders be able to see transactional information on the account?

    Yes, all account holders are able to see the transactions on a joint account.
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  • Can the balance in a joint account be accessed by all account holders?

    Yes, any balance on the account belongs to all the people named on it.
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  • Can I apply for additional borrowing on my mortgage?

    Additional borrowing is often known as a 'Further Advance' or a 'Home Owner Loan', and you may apply for it at any time. Please check our lending criteria before you apply.
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  • Can I apply for a further advance on my mortgage?

    We recommend that you think carefully before securing additional borrowing against your home as it will increase your overall mortgage debt. Please call us on +44(0)800 234 6171 to discuss this.
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  • Can I transfer my mortgage to another property?

    If you are moving house, you may be able to transfer your existing mortgage with us onto a new mortgage for your new property.
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  • I am worried about an increase in my mortgage’s interest rates. What can I do?


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