Platinum Added Value Account

• Comprehensive cover, including: emergency medical cover* (up to £10,000,000), cancelling your trip or coming home early (up to £5,000), accidental death or permanent disability benefit(up to £100,000), travel disruption cover (up to £5,000), possessions cover (up to £2,500) and new for old replacement (for baggage up to two years old)

• Winter Sports cover (Winter Sports cover is not available over 65 years of age if you have never participated in winter sports previously)

• A wide range of upgrades options available including wedding and golf cover

• No need to renew your insurance each year as you're covered as long as you are a Platinum Account holder (subject to eligibility)

You must tell us about any medical conditions that you are aware of affecting anyone covered by the policy - failure to do so may affect your claim - please refer to the policy documents for full details of the exclusions.

Platinum travel policy document from 1st February 2017 (PDF)

• Roadside Assistance - if you break down more than a quarter of a mile from home and if the AA can't fix your vehicle at the roadside, they'll take you, your vehicle and up to seven passengers to a local garage
• Home Start - help at or within a quarter of a mile from your home
• Relay - recovery to any single UK destination of your choice if the AA is unable to fix your car at the roadside or arrange a prompt local repair
• You're covered whether you are in you own car or someone else's
• Accident Management - Help in arranging the repair, recovery and claim processing for vehicles following an accident or vandalism where you are claiming under your motor insurance
• No need to renew your AA cover each year as it lasts as long as you are a Platinum Account holder

Platinum AA breakdown cover Terms and Conditions (PDF, 600KB)

• Covers one phone for sole account holders or two phones for joint account holders, in the UK or abroad
• Covers phones up to a maximum individual original retail cost or value of £2,000 including VAT
• Covers repair or replacement of your handset where your phone is lost, stolen or cannot be fixed. Replacements may be from reconditioned stock.
• Covers the cost of unauthorised calls made - up to £1500 for contract phones, and up to £300 for pay-as-you-go phones

• Pay no fees or interest on an Arranged  Overdraft up to £310, subject to application and approval

• You can also apply to increase your Overdraft limit, which will incur standard fees and interest rates

• Avoid unexpected Overdraft fees with our Overdraft Buffer and grace period

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 Telephone Banking service 03459 758 758.

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

If you try to make a payment and you don’t have enough money in your account (including your Arranged Overdraft if you have one), we’ll treat this as a request for an Unarranged Overdraft. If it’s authorised and you use £10 or less, you won’t be charged fees or interest on the amount you’ve borrowed. If you use more than £10 you’ll get charged interest and fees on the full amount.

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

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 withdrawals, 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.