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Silver Added Value accounts

Our Silver Added Value Accounts, including Silver Enhance, are no longer available to new customers.

The Silver Account has a single maintaining account fee of £12 a month.

With the exception of the overdraft, these Silver benefits come from partner providers and are subject to their terms, conditions and exclusions. You can find out more in the Useful Documents section.

Be aware that if you move overseas you may no longer be eligible for the insurance benefits. Please refer to the Silver Account Welcome pack & Terms and Conditions for full details.

  • European Travel insurance with winter sports for you and your partner (if both under 65 years of age) for up to 45 days per trip in duration (Winter sports are covered for up to a maximum of 31 days in total in any calendar year). There is no limit to the number of trips which can be taken
  • 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), possessions cover (up to £2,500)
  • 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 Silver Account holder (subject to eligibility)

You’re not covered for medical conditions you had or have had when the account was opened or the trip was booked (whichever is later).

Silver Travel Policy document from 23 March 2021 (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
  • 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
  • Upgrade options including Relay, Stay Mobile or Home Start
  • No need to renew your AA cover each year as it will be done automatically as long as you are a Silver Account holder

Silver AA breakdown cover Terms and Conditions (PDF)

  • 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 £1,500 for contract phones, and up to £300 for pay-as-you-go phones

Silver mobile phone insurance Terms and Conditions (PDF)

  • Pay no interest on an Arranged Overdraft up to £50, 39.9% APR Representative (variable) Subject to application and approval. Overdrafts are repayable on demand.
  • You can also apply to increase your Overdraft limit, which will incur standard interest rates
  • Avoid unexpected Overdraft interest with our Grace Period

Subject to application and approval

Mobile Phone Insurance, Aviva Travel Insurance and AA Breakdown Cover are only available to customers who are UK residents. Registration is recommended to benefit from certain features and you should check the Terms and Conditions of cover to confirm requirements. Insurance benefits are provided by selected third party providers. For full details of providers, cover, exclusions and limitations please refer to the welcome pack.

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 automated Telephone Banking service on 03459 758 758.

Use this quick service to:

  • Check your balance and recent transactions
  • Pay your bills
  • Transfer money
  • Check your Direct Debits or standing orders

And you can speak to one of our advisers if you have a more complex query between 8am – 8pm Monday to Sunday.

Find out more about Telephone Banking

These services are available if you are over 16.

If your account goes over its limit, our Grace Period means that you have until 10pm (UK Time) to pay in enough money to avoid any Overdraft interest 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.

Save the Pennies

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.

Click here for more information on TSB Joint Accounts

  • Added Value Accounts can only have up to two insured account holders on the account. Other parties such as appointed representatives can be added, but they will not benefit from the insurances. 
  • To enable the Added Value Account to operate, TSB share limited account details with the insurers. This means we only share one address per account with the insurers.


  • 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.

If you have an Added Value Account, you can change to a Spend & Save account.

Queries about your Silver Account?

UK - 0345 835 3836

Overseas - 02032 841 586

Call 0800 0725 467 or report a breakdown here.

Manage your Aviva Travel Insurance cover online.

Make a claim on your AVIVA Travel Insurance.

Call 0044 1603 603 710 for 24 hour overseas assistance.

We’ve reduced our maximum monthly charge for your Unarranged Overdraft.

Important information

TSB adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board. Read more about our lending commitments to you (PDF, 56.8KB).

Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc. registered in the US and other countries.

Google Pay is a trademark of Google LLC. Android, Google Pay, and the Google Logo are trademarks of Google LLC.

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

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.

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.