Legal - Switching important information

  • Your instruction to transfer bills and payments will ask us to:
    • Contact your existing bank/building society to request a list of Direct Debits and standing orders which apply to that account and authorise the cancellation of all Direct Debits and standing orders on that account.
    • Contact those Direct Debit companies to request that future Direct Debit payments are collected quoting your TSB sort code and account number.
    • Set up those standing orders on your TSB Bank Account.
  • Where you have requested that we transfer your bills and payments as part of an application for a new TSB Bank Account, we will only begin to process your instruction once your account application has been approved and the account is fully open.
  • It should take approximately 4 weeks to transfer your Direct Debits and standing orders to your TSB account. This starts from when we receive your instruction. We will keep the details of your instruction for 30 days. We will process the instruction in accordance with the standard industry timeline  for this service.
  • Whilst the timeline is a general guide, TSB cannot guarantee that all the companies paid by Direct Debit will change the details they hold straight away. It is the responsibility of those companies to maintain accurate records.
  • On occasion, banks may require a signed request to transfer your Direct Debits and standing orders. If this happens, we will send you a form to sign and return to us so that we can continue with the transfer. This may cause a delay to the transfer of your bills and payments.
  • It is important that your non- TSB account is in the same name as the TSB account. Any inconsistency of information can cause a delay to the transfer of your bills and payments.
  • Until the process is satisfactorily completed, to avoid overdraft charges on both your existing and TSB accounts, you should try to keep sufficient available funds in both accounts to pay bills/settle payments as they become due. We will confirm to you when the transfer of your bills and payments is complete.
  • If you change your mind after submitting your instruction, you will need to inform TSB, your other bank and any companies who are paid by Direct Debit. If you have informed any people who make regular payments into your account, you will also need to tell them. You can call us on the number below for more information.
  • We will refund any interest or charges applied to your TSB account as a result of an unnecessary delay or mistake made on our part during the transfer of Direct Debits and standing orders. TSB will not refund interest or charges caused as a result of a delay or mistake made by any other bank or the companies you pay by Direct Debit.
  • Once we confirm we've received your request, if you have any queries about the transfer of your bills and payments to TSB, please call our transfer team on 0345 835 7838 . Lines are open Monday-Friday 9am-5pm, Saturday 9am-1pm.

Find out more about our switching service .

As part of our Switching Service through our Welcome Team we may be able to waive the fees and interest payable on a Planned Overdraft on your TSB Current Account for a period of three months.

How much we lend is subject to our assessment of your circumstances. You must be 18 or over. Overdrafts are repayable in full on demand. View Planned Overdraft borrowing interest rates and fees. To be eligible for the interest and fee free offer you must be accepted for a Planned Overdraft on your TSB Account, have not had the Switcher Overdraft offer in the last 12 months on your account, and complete a switcher application to switch your account to TSB.

If you are eligible:

  • We will write to you telling you when the three month interest and fee free period will start and provided you stay within your Planned Overdraft limit you will not have to pay any fees or interest on your Planned Overdraft for three months. If you go into an Unplanned Overdraft at any time interest and fees will apply.


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