EU Payment Account Directive

Frequently Asked Questions

Do I still have sole control of my account if I add another person to it?

Any parties on the account can give instructions independently of the others on your joint account.  

Will the joint applicant have access to Internet Banking? 

Yes – all parties will be able to register for internet banking

How many people can I add to my joint account? 

You can apply online to add an extra person to an account held in your sole name. If you require an account with three or more account holders, we recommend that you visit your nearest branch to apply.

I have a joint account already, how do I close it?

If we open an account for you jointly and you later wish to take someone off / close the account, you must all apply to do so.

Will my joint applicant receive the same features as me?

Yes – the joint applicant will receive the same features as the first named party on the account.

Which countries are included in the EU? 

The following countries are EU member states. Only customers legally resident in the below European countries are eligible to  apply for the Cash account

European countries
Aland Islands Germany Mayotte
Austria Gibraltar Netherlands
Belgium Greece Poland
Bulgaria Guadeloupe Portugal
Croatia Hungary Reunion
Republic of Cyprus
Ireland Romania
Czech Republic Italy Saint Martin
Denmark Latvia Slovakia
Estonia Lithuania Slovenia
Finland Luxemburg Spain
France Malta Sweden
French Guiana

What does the recent EU membership referendum mean for Cash Account customers?              

EU Payment Account Directive (EU PAD) introduced regulations to make available a Basic Bank account to customers living in the EU. The directive became UK law in December 2015 and is unaffected by the referendum result. 

I’m under 18 years of age, which accounts can I apply for?

For customers aged under 18, you can only apply for the TSB Under 19s Account. For all of our other PCAs you have to be 18 or over.

How long will it take to open my account?

For UK residents who open an account online this can take 3 to 5 working days.  For non UK-EU residents who open an account online this can take 10 working days.

What documentation will I need to open an account if I’m a non UK-EU resident?

Refer to

Are there any fees associated with having my documents certified?

You need to be aware that the registered professional may charge you for their services. Any charge associated with certification or notarisation of documents will be payable by yourself and is non-refundable, even in the event that the application is not fulfilled.

What is a Notary?

The notary is a professional within the law system and his/ her main function is to notarise documents ensuring that private agreements fulfil certain legal criteria. The notary is involved in legalising agreements and contracts and uses a stamp and signature to endorse them.

What is an Apostille?

An Apostille Certificate is an official certificate issued to documents so they will be recognised in member states without further Legalisation. 

Typically the Apostille Certificate is issued by the state from which the document originates although in some cases another state can issue the Apostille. Once a document has had an Apostille Certificate attached to it confirming the authenticity of signatures and seals it can be presented to any country which recognises the Apostille. The authority receiving the document should then accept the seals or signatures as true and valid without requesting further evidence or proof.

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