24 hour money - take control of your bank account round the clock through Internet Banking, Telephone Banking and our Mobile Banking app, as well as over 550 branches in the UK. And thanks to your Visa debit card, you can access cash machines worldwide, too.
See what you spend - when you’re signed-up to Internet Banking, keep track of your money across your TSB personal current and credit card accounts with Money Planner. It’s a free online tool that gives you a unique view of your spending.
Your TSB Visa debit card is an amazing piece of plastic. Accepted in millions of places and cash machines worldwide, it's incredibly convenient. It's just as safe to use abroad as at home, so it's a simple alternative to carrying cash.
With our Classic account, you can benefit from a £25 interest and fee-free planned overdraft (subject to application and approval) which can come in handy with unexpected bills. It's easy to set up, and once it's approved you can access the money right away.
Overdrafts are subject to application and approval and are repayable on demand.
Classic Account overdraft interest rates
Interest charged monthly
1.52% per month
You have a current account and a planned overdraft limit of £1,200
The first £25 of the overdraft is interest and fee free
If you use a Planned overdraft limit of £1,200 on our Classic Account the overdraft interest rate we charge on the first £25 will be 0% EAR* variable and a Monthly Overdraft Usage Fee will not apply. The overdraft interest rate on the next £1,175 will be 19.84% EAR* variable and a Monthly Overdraft Usage Fee of £6 will apply.
* EAR is the Equivalent Annual Rate. This is the actual annual rate of an overdraft. It doesn't take into account other fees and charges.
These interest rates are correct as at 04/09/2015. Interest rates are variable.
We have two helpful buffers on our current accounts, £10 on a Planned Overdraft and £10 on an Unplanned Overdraft. So your payments can still be made even when you're a little short on money. Here's how they work:
If you have a Planned Overdraft and you borrow £10 or less, you won't be charged fees or interest on the Planned Overdraft. But if you borrow more than £10 over any interest and fee-free amount, you will be charged Planned Overdraft fees and interest on the whole amount including the Planned Overdraft buffer.
If you have an Unplanned Overdraft of £10 or less, you won't be charged fees on the amount you've borrowed. But, you will be charged interest on any amount you borrow using an Unplanned Overdraft, including the £10 buffer. If you borrow more than the £10 Unplanned buffer, you will be charged both Unplanned Overdraft fees and interest on the full amount, including the buffer.
Overdrafts are subject to application and approval, and are repayable on demand.
Control is a service you pay for that helps you avoid overdraft fees and keep a limit on your spending. It's ideal for you if you often go over your overdraft limit and get hit with unexpected charges.
For £10 a month, stop your account from going into an unplanned overdraft
You won't go accidentally overdrawn - unless you spend money somewhere we can't check your balance, like on a plane or when paying by contactless
If you do go overdrawn, we won't charge you overdraft fees or returned item fees (although you will be charged interest)
If you've ever wondered where your money goes, then Money Planner is for you. It's a free, easy-to-use Internet Banking service that lets you keep track of most of the spending you make from your personal TSB current and credit card accounts.
Money Planner is provided to help you manage your personal finances and is not intended to provide legal, tax or financial advice. You must be registered for Internet Banking. Terms and conditions apply.
A joint account is simply a bank account in the name of two or more people. You can either convert your existing bank account into a joint account by adding someone else to it, or open a new account in two people's names.
Convenient way to share outgoings like shopping, bills, mortgage or rent payments
You'll both get your own Visa debit card for payments and cash
You can still keep your own current account and open an additional TSB joint account, and move money between the two accounts easily
Important things to remember
Along with the benefits of opening a joint account, there are also extra responsibilities. Here are a few things to consider:
Each person can make withdrawal, use cash machines or apply for an overdraft without needing the other's approval
Apply for a joint account
You can open a joint account or add someone to your existing account at your nearest branch. You'll both need to go into a branch so that you can provide identification in person.