Classic Account

Key features

  • 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 around 500 branches in the UK. And thanks to your Visa debit card, you can access cash machines worldwide, too
  • Optional overdraft for short term borrowing. The first £35 is interest and fee-free. Subject to application, approval and repayable on demand.
  • Choose to switch your banking to us in just 7 working days
  • Recommend us to a friend and when they switch to our Classic or Plus account you’ll both get £100. T&Cs apply.
  • Manage your current account online with our mobile app and Internet Banking 

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.

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.

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

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 our Classic account, you can benefit from a £35 interest and fee-free arranged 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
Account Interest charged monthly
Classic 1.52% per month 19.84% EAR*
Representative examp
You have a current account and an arranged overdraft limit of £1,200
  • The first £35 of the overdraft is interest and fee free
  • If you use an Arranged overdraft limit of £1,200 on our Classic Account the overdraft interest rate we charge on the first £35 will be 0% EAR* variable and a Monthly Overdraft Usage Fee will not apply. The overdraft interest rate on the next £1,165 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.
These interest rates are correct as at 01/02/2017. Interest rates are variable.

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.

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 unarranged 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)

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 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 Pennies

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.


  • 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.

How to apply

Apply online today
It takes around 10 minutes

Are you a non-UK EU resident?

Switch your banking to us in 7 working days

If you like everything to be in one place then switch your account to us while you apply for one of our current accounts - we can guarantee it will only take seven days.
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Financial Services Compensation Scheme


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