Classic Account

Our Classic Account has everything you need to stay in touch with your money, wherever life takes you. In fact, you could call it our ‘go anywhere, do anything’ current account.

Reasons to choose our Classic Account

  • 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 at over 630 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.

Internet Banking

The quick and easy way to control your money. Pay bills, check balances, transfer money between accounts, set up and cancel standing orders, view and cancel Direct Debits and more.

Find out more and get started with Internet Banking

Mobile Banking

Make it easier to manage your money on the go. It means you can do your banking on the move from most Internet-enabled mobile devices - either using our app or via your mobile device's browser.

Find out more and get started with Mobile Banking

Telephone Banking

You can call our Telephone Banking service on 0345 975 8758.

Use our quick automated service to:

  • check your balance and recent transactions
  • pay your bills
  • transfer money
  • check your Direct Debits or standing orders

And you can also speak to one of our advisers if you have a more complex query.

Find out more about Telephone Banking

These services are available if you are over 16.

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.

More about the Visa debit card

With Classic, 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

AccountInterest charged monthly
Classic1.53 % per month19.94 % EAR*

Representative example

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 19.94% 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 02/10/2012. Interest rates are variable.

Full details about planned and unplanned overdrafts and charges

No overdraft fees or interest to pay if you go overdrawn (either Planned or Unplanned) by less than £10. The overdraft buffer is in addition to any interest and fee-free overdraft limit that you may have as part of your current account.

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)

Find out more about Control

If your account goes over its limit, our Grace Period means that you have until 3.30pm (UK Time) to pay in enough money to avoid any overdraft fees you may incur that day.

Every time you use your TSB VISA debit card we'll round up the amount you spent to the nearest pound and transfer the difference from your current account into an eligible TSB savings account.

Find out more about Save the Change

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.

If you'd like to have one, we'll give you a TSB cheque book as well.

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.

Benefits

  • 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 overdrafts 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.

Account Opening is subject to our assessment of your circumstances.  You must be 18 or over and a UK resident to apply.  Interest paid monthly.

Overdrafts are subject to application and approval and are repayable on demand.

*AER means Annual Equivalent Rate. AER illustrates what your interest rate would be if interest was paid and compounded each year and allows you to easily compare different savings accounts. As every advertisement for a savings product, which quotes an interest rate, will contain an AER you will be able to compare more easily what return you can expect from your savings over time. Gross rate means that credit interest is paid without income tax being deducted. You can receive your interest paid gross if you are a non-tax payer and have completed an Inland Revenue R85 form.

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.

Text alerts are free but your mobile operator may charge for some services. Please check with them.

We don’t charge for your use of Mobile Banking but your mobile operator may charge for some services, please check with them. Mobile Banking is available on most internet enabled mobile devices. Services may be affected by phone signal and functionality. You must be registered for Internet Banking. Terms and conditions apply.

Save the Change® is a registered trademark and is used under licence by TSB Bank plc.

Call

Telephone Banking is open 24/7 on 03459 758758.

Telephone banking

Click

Bank online 24/7 using our Internet Banking website or our mobile app.

Internet banking

Visit

Find your nearest branch or cash machine using our branch locator tool.

Branch locator