Quick tips to help you manage your current account.
Contactless cards make paying for small items quick and easy. It allows you to use your Debit Card to pay for things up to £30 without entering your PIN, by simply holding your card over the contactless card reader. More and more retailers are introducing it - look out for the contactless symbol or
find your local retailers
We're starting to include contactless technology in our Debit Cards - if your card has the contactless symbol, it has contactless built in. If you don't already have a contactless card but would like one, just visit your nearest branch who will be able to arrange it for you, if eligible.
Find out everything you need to know in our
contactless payments guide
Contactless eligibility is subject to status.
View the interest rates for you current account here:
current account rates
When you're abroad, you can use your Visa debit card to buy things and take money out of cash machines just as you do at home, wherever you see the Visa symbol. You'll find your TSB Visa card:
Charges for using cash machines abroad
There are charges for using your debit card to withdraw cash when you're abroad. Cash machines generally give you the option of choosing your cash amount in local currency or sterling equivalent (for example you want "£10 worth of Euros").
If you choose local currency, TSB will need to convert the withdrawal to sterling and will charge you a non-sterling transaction fee off 2.99% of the value of the withdrawal and a non-sterling cash fee of 1.5% (min £2, max £4.50).
If you choose sterling equivalent, the cash machine owner will make the conversion into sterling and TSB will only apply the non-sterling cash fee of 1.5% (min £2, max £4.50), however the ATM owner may make a separate charge for the conversion.
Charges for making a debit card purchase overseas
When you use your card in shops overseas and you choose to pay in the local currency, the amount is converted to sterling on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate. We will charge a non-sterling transaction fee of 2.99% of the value of the transaction and we will charge a non-sterling purchase fee of £1 which is not applicable if you use a Platinum or Premier account Debit Card.
Banking charges guide
(PDF, 306KB) for more details.
To make using your Debit Card abroad hassle-free, before you go:
Check we have your mobile or best contact number - to update your details, call us or visit a local branch
Save our overseas number on 020 3284 1575 your mobile in case you need to get in touch with us
You will need identification with you if you want to withdraw money from a bank abroad (although you can use cash machines just like at home).
How does TSB keep my money secure?
We use sophisticated fraud detection systems to help keep your money secure, for example we:
If you get an automated transaction checking call from us and you want to check that it's authentic, or have any questions, call 0345 835 7922 in the UK, or +44 1733 286355 from abroad.
If you are ever subjected to fraud, we'll put a stop to it as soon as we're aware, and you'll be reimbursed for any losses that aren't your fault. We'll also send you a new card as soon as possible (usually within five working days).
What you can do
You can help minimise the risk of fraud by taking simple precautions:
If you're registered for Internet Banking, you can cancel some Direct Debits online. Simply
and follow the instructions.
If you're not registered for Internet Banking, contact the company you are making the payment to (the beneficiary) as well as a TSB branch.
What is a Planned Overdraft
A Planned Overdraft is an overdraft up to an agreed limit, which you arrange with us in advance.
Charges and fees
Many of our accounts come with an interest and fee free overdraft facility. You will still have to apply for this, but if we agree, it means you can spend up to that limit without paying fees or interest. You can also apply for a higher limit, which if agreed will be subject to the following fees:
Monthly Overdraft Usage Fee of £6 if you use a Planned Overdraft of more than £10 at any time during your monthly billing period. You'll only pay this fee once in a monthly billing period no matter how many times you go overdrawn in that month
Interest on the money you borrow over and above your interest free limit. Interest rates vary according to your account
If you have an interest and fee-free Planned Overdraft limit as part of your account, our overdraft buffer means you won't pay the £6 usage fee or interest if you stay within this limit or exceed it by £10 or less
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
Important things to bear in mind
All overdrafts are subject to application and approval, even those available as a benefit of your current account
If you exceed your agreed overdraft limit there could be some serious consequences:
What is an Unplanned Overdraft?
If you try to make a payment (for example by Direct Debit) and you don't have enough money in your account, we'll treat this as a request for an Unplanned Overdraft or for an increase in the one you already have.
If we agree, we'll provide you with an Unplanned Overdraft (or extend your existing one) to cover the payment. If we do not agree, you won't be able to make the payment and we will charge you a £10 Returned Item Fee, unless the amount you were trying to pay was less than £10, in which case you won't be charged.
Charges and fees for Unplanned Overdrafts
You won't pay any fees if you borrow £10 or less using an Unplanned Overdraft, but you will still be charged interest on the whole amount.
If you borrow more than the £10 buffer, you will pay:
We’ll never charge you more than £80 each monthly billing period for the total of all these fees:
To make comparing bank products easier for you, banks are setting a maximum monthly charge for unplanned borrowing fees. Each bank may charge different fees, but all banks are explaining it the same way, with the same wording.
Full details of our fees and charges can be found in our Banking Charges Guide.
For full details of interest rates and charges, see individual bank account information:
All overdrafts are repayable on demand. This means we can ask you to repay all or part of your overdraft (and any interest or charges) at any time, even if we have agreed a period for the overdraft with you
We will normally give 30 days notice before making any changes
Services to help you avoid an Unplanned Overdraft
As well as easy access to your bank account balance and other information through cash machines, Internet and Mobile Banking, we offer some specific services to help you avoid unnecessary overdraft charges:
Free Weekly Balance Alerts and Text Alerts when you get close to or exceed your limit so that you can avoid Overdraft fees (you need to register for these services).
Overdraft Buffer - if you go overdrawn by £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.
Grace Period - if you go overdrawn, you have until 3.30pm (UK time) that day to pay in enough money to avoid overdraft fees and interest you may incur. The money needs to be immediately available to use, so you could transfer money from another personal account you have with us via Mobile Banking, Internet Banking or Telephone Banking or pay in cash at your nearest branch
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 changes
How does an overdraft work?
Usually, if you try to make a payment that's more than you have in your account or goes over your overdraft limit, we treat it as a request for an Unplanned Overdraft. You're charged daily and monthly fees, or a returned item fee if we refuse the request.
With Control, if you try to pay for something when there's not enough money in your account to cover it, we'll automatically stop the transaction going ahead. This includes:
Sometimes we can't stop the payment, for example if you use your card where either the retailer doesn't or can't check with us - like if the transaction amount is very low or you are on a plane. If this means you go into unplanned overdraft, then we still won't charge you the daily or monthly fees, although we will charge you interest and the Planned Overdraft usage fee.
You should also read the Control Terms and Conditions(PDF) before deciding if Control is right for you.
Apply for Control
New customers can opt for control when you open your bank account - although this option is not available online. Just call us or drop into a TSB Branch.
If you have a current account with us and are registered for
you can request to increase your overdraft online. To decrease or cancel your overdraft please call us on 03459 758 758 or visit us in branch.
Call 03459 758 758
Lines are open 24/7
If you're a UK, EU, EEA or Swiss National please bring:
If you're a national from any other country outside the UK, EU, EEA or Switzerland please bring:
For under 18s:
Proof of address:
Applying for an
Under 19s Account
If aged between 11 and 15, a parent/guardian must be present, both when an account is opened and when additional services are applied for.
Two forms of ID, such as passport or birth certificate, as well as proof of the parent's identity and address are required.
Over 16's don't need to be accompanied by a parent but need to bring in proof of their identity and proof of their address.
Applying for a
In addition to proof of identity, such as passport or birth certificate, and proof of your address, you'll need to print off your UCAS confirmation letter, or a letter from your university or college confirming your place, and bring it along with your other identity and address verification documents to your
If you haven't been living in the UK for at least 3 years, for example if you are an International Student, see our other
Card lost or stolen? Received a suspicious email or suspect other fraudulent activity? We can help.
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Our Mobile Banking App is easier to use than ever so you can enjoy quick and secure banking from your mobile device.
Do your banking wherever you are with secure online banking services.
Download our app on Apple
Download our app on Android
Bank online 24/7 using our Internet Banking website or our mobile app.
Bank over the phone 24/7 using our automated service - call
03459 758 758.
Find your nearest branch or cash machine using our Branch Locator tool.