Spend & Save current account

Earn £5 cashback for the first 6 months
When you make 20 debit card payments each calendar month

Put money aside in Savings Pots
Earn 2.89% Gross / 2.92% AER Variable

Up to £2,000 overdraft
Subject to application and approval

Apply now
Spend & Save card and TSB mobile app
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Why is Spend & Save good for me?

£5 cashback

Up to first six months

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When you make 20 payments or more on your debit card each calendar month.

Learn more

Up to £2,000 overdraft

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Worry less about unexpected bills.
39.9% APR Representative (variable). Subject to application and approval.

Learn more

Fraud refund guarantee

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We’re proud to offer more fraud protection than any other bank. T&Cs apply.

Learn more
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What can I do in the app?

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Money Confidence tools

Put money aside

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Set up a Savings Pot and earn 2.89% Gross / 2.92% AER Variable.

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Set yourself goals and track how your Savings Pots are growing.

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Put money aside in up to 5 individual Savings Pots. Maximum balance of £5,000 per Pot and £25,000 per account.

Learn more about Savings Pots
Mobile banking app

Money Confidence tools

Saving is easy

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Activate Save the Pennies to round up every debit card payment to the nearest pound.

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The difference goes straight into your Savings Pot or any other eligible TSB savings account.

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Set this up easily on our mobile app, Internet Banking or in branch.

Learn more about Save the Pennies
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Money Confidence tools

Stay on top of your balance

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Set a minimum balance limit on your account. If your balance falls below that, we’ll automatically move money from your chosen Savings Pot to top it up.

Learn more about Auto Balancer

Ready to apply online?

Please make sure you have your documents ready. The application will take around 15 minutes.

You must be 18 or over and a UK resident to apply.

If you’re an existing customer who uses Internet Banking, you will see all your accounts together within nine working days.


Already a customer or need more help?

To change to a Spend & Save account:

  • Classic Plus or Classic Enhance account customers, click here.
  • Added Value Account customers, click here.
  • Cash, Classic Essentials, under 19s, Student or Graduate customers, please visit a branch.
  • If you can’t find the answer you’re looking for, come and visit us in branch.

Adobe is a separate data controller from TSB, and any personal data you provide will be sent to Adobe and processed in agreement with their terms and conditions of service. You may wish to read their Adobe Terms of Use and Consumer Disclosure before using the link above.


Save on the things you buy. 

Enjoy 4% back in Booking.com Travel Credits to spend on your next stay. Plus, find even more ways to save as a TSB customer through Marketplace.

What else do I need to know?

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Internet Banking

Pay bills, check balances, transfer money between accounts, set up and cancel standing orders, view and cancel Direct Debits and more.

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Mobile Banking

Manage your money whenever you want, wherever you are. It’s easy to see all your accounts in one place, check balances and pay bills.

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Telephone Banking

Our UK contact centres are just a phone call away. We also have a quick and easy automated service that lets you manage your money 24/7.

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Your Visa debit card

Handy, secure and accepted worldwide. A TSB Visa debit card gives you the freedom to buy things or withdraw your money wherever and whenever you want.

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Grace Period

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.

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Shop up to £100 without entering a PIN with your TSB Visa debit card. You can also use Apple Pay or Google Pay to pay with your phone.

What if you need extra support?

There may be lots of different reasons you might need to bank with us differently. It could be because of your physical or mental wellbeing, or because of a life event you’ve experienced.

If you choose to tell us about your individual support needs, we will take the time to understand your circumstances and work with you to make sure you have the support you need when banking with TSB.

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Perfect for short-term borrowing

If you need to borrow a small amount of money for a short period of time, an overdraft may be cheaper than a personal loan or credit card. Use our overdraft calculator for an estimate on costs of using your overdraft.

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It's flexible

You’re in control of your overdraft. You can ask to increase, decrease or cancel it at any time.

How do I switch to TSB?

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

It’s easy as 1-2-3.

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    Choose to switch to us when you apply, or any time after.

  • 2

    We will move all your incoming and outgoing payments into your new account.

  • 3

    In the unlikely event there are any hiccups, we'll refund any interest and charges on your old or new current accounts.

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Any more questions?

You can now:

  • Login using your fingerprint (if you have this feature on your phone)
  • Apply for an eSavings account
  • Apply for and manage your overdraft
  • Set up and manage your standing orders
  • Cancel your Direct Debits
  • Use our currency converter to work out how much buying foreign currency could cost you and how much you’ll pay to use your card abroad
  • Book an appointment with a mortgage advisor

This is all in addition to the usual stuff, like checking your balance and past transactions, making quick payments and transfers, and finding your nearest TSB branches.

Spend & Save comes with many useful features to help you save. You can set these up in your mobile banking app. Follow the links below to find out more:

You can have up to five Savings Pots for each Spend & Save or Spend & Save Plus account – one for each of your savings goals.

There is a maximum balance of £5,000 per Savings Pot (£25,000 per Spend & Save or Spend & Save Plus account).

Visit our Savings Pots page to find out more information.

With Spend & Save you can earn £5 Cashback for up to the first six months, including the month you open your account. You just need to make 20 payments or more on your debit card each calendar month.

With Spend & Save Plus you can keep earning £5 cashback each month until you close the account, change to another TSB account or TSB withdraws the offer, as long as you make 20 payments or more on your debit card each calendar month.

To find out more information on how to earn cashback on your Spend & Save, visit our cashback information page.

An arranged overdraft is one that you arrange with us in advance.

To get an arranged overdraft, you must be aged 18 or over and apply online, in a branch or on the telephone. We then run a few affordability checks and, if approved, we let you how much you can borrow.

Once approved, your overdraft will appear on your account immediately for existing customers and in a few days for customers new to TSB.

Visit our overdraft page for more information.

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