Classic Plus account

Our most popular account with 3% AER variable interest on balances up to £1,500. Plus get £10 cashback every month. 

That’s £5 cashback every month if you set up two monthly direct debits. And another £5 if you spend with your debit card at least 20 times a month, including Apple and Google Pay. No bank gives you more with no monthly fee

To earn interest (which is paid monthly) just pay in a minimum of £500 a month and register for Internet Banking, Paperless Statements and Paperless Correspondence. It's important that you log in regularly, at least once every 12 months.

Cashback offers end dates: 30 June 2018 for accounts opened 1 March 2017 to 7 January 2018 and 31 December 2018 for accounts opened from 8 January 2018. You must be registered for Internet Banking. T&C's apply.

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Key features

  • 3% AER / 2.96 % gross variable interest paid on balances up to £1,500 only
  • £5 cashback every month just for having two direct debits per month.
  • £5 cashback every month if you spend with your debit card at least 20 times a month, including Apple and Google Pay.
  • TSB Visa debit card 

    Accepted in millions of places and cash machines worldwide and just as safe to use abroad as at home, so it's a simple alternative to carrying cash. There are charges for using your Debit Card when you're abroad. Find out more

    Contactless functionality subject to status
  • Optional £35 interest and fee-free overdraft - for short term borrowing, like covering you until pay day. Subject to application, approval and repayable on demand.
  • You can apply to open a joint account.

Find out more about Apple Pay and Google Pay

£10 overdraft buffer
If you try to make a payment and you don’t have enough money in your account (including your Planned Overdraft if you have one), we’ll treat this as a request for an Unplanned 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.

About overdrafts

Helps you avoid overdraft fees and keep a limit on your spending.

For £10 a month, stop your account from going into an Unplanned Overdraft.

Find out more

Grace period
You'll have until 10pm (UK time) to pay in enough money to avoid any overdraft fees you may incur on that day.

Cheque book
Available on request.

Joint accounts
Simply an account in the name of two or more people. Convert your existing account into a joint account by adding someone else to it, or open an account in two people's names. About joint accounts  

How you can bank with us
Online, with Internet Banking

In one of our 550 branches

On the phone with Telephone Banking


  • You must be 18 or over and a UK resident to apply
  • The Classic Plus Account is restricted to one account in your sole name, and another Plus account in joint names
  • Please note: if you have more than one Plus account in your sole name or more than one Plus account in joint names, we may convert your additional account into an Enhance account or another current account from our range. We’ll give you at least two months’ notice before we do this.
  • You can choose to switch your banking to us when you apply for a Classic Plus account, or any time after you've opened it - we guarantee switching will take just 7 working days.


Balance £0 - £1,500 £1,500+
Variable interest paid monthly AER 3.00 % 0.00 %
Variable interest paid monthly Gross 2.96 % 0.00 %
These rates are correct as at 04/01/2017.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded each year.
Gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.

Apply now

It takes around 10 minutes.
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Financial Services Compensation Scheme

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How to apply

Apply online today

It takes around 10 minutes

Are you a non-UK EU resident?

Switching is easy

We guarantee switching your current account to us will only take seven days.

  1. Choose to switch to us when you apply, or any time after
  2. Your finances are kept in one place keeping your life organised
  3. Three months’ Interest and fee-free Planned Overdraft when switching. Subject to application, approval and repayable on demand
  4. We will move all your payments, Direct Debits or standing orders over for you
Switch Guarantee

How to register for Internet Banking

Registering is quick and easy - watch our quick video.

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Bank over the phone 24/7 using our automated service - call 03459 758 758.

Telephone Banking


Find your nearest branch or cash machine using our Branch Locator tool.

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