Spend & Save account

No monthly maintaining the account fee.

Spend & Save lets you feel confident that, as you’re spending, you’re saving that little bit extra too.

Open a Spend & Save account


Why is Spend & Save good for me?

Earn £5 cashback

For first six months

When you make 30 payments or more on your debit card each calendar month.

Learn more

Up to £2,000 overdraft


Worry less about unexpected bills. Subject to application and approval.

Learn more

Fraud refund guarantee


There’s only one bank in Britain that offers you a fraud refund guarantee. T&Cs apply.

Learn more

What does the app do?


Money Confidence tools

Put money aside

  • Set up individual Savings Pots and earn interest along the way.

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

  • Put money aside for things that really matter to you.

Learn more about Savings Pots


Money Confidence tools

Saving is easy

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

  • Pennies go straight into your Savings Pot or any other eligible TSB savings account.

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

Learn more about Save the Pennies


Money Confidence tools

Stay on top of your balance

  • 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


Earn 2% gross/AER interest fixed for a year

If you have a TSB current account, you can access our exclusive 2% gross/AER Monthly Saver rate and save between £25 and £125 every month. Interest is paid on maturity.

Learn more about Monthly Saver  

How do I switch to TSB?

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

It’s easy as 1-2-3.

  1. 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.



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 the first six months, including the month you open your account. You just need to make 30 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.

Anything we missed? Find it here

Open a Spend & Save current account

What you need to apply

  • You must be 18 or over and a UK resident 

Proof of ID documents:

  • Drivers licence (UK/EU/EAA)
  • UK passport, foreign passport and visa
  • EU and EEA National Identity Card

Proof of address documents:

  • Drivers licence
  • UK utility bill
  • Bank/building society statement
  • Council tax bill

Ready to apply online?

Please make sure you have your documents ready. The application will take around 20 minutes.

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


Already a customer?

If you have a Classic Plus or Classic Enhance account, you can change to a Spend & Save account here.

Please be aware that Adobe are 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.



Apply in the app

  • 10 minutes faster than applying online 

  • Scan in your ID to save coming into branch

  • Sign up anywhere

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

Download our Mobile Banking app for iOS Download our Mobile Banking app for Android


Or apply online

  • Sign up online in 20 minutes 

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


Already a customer? Please apply online.

Register for mobile banking

We’re open anytime and anywhere. Take care of your day-to-day banking when you need to.

Set up mobile banking

logging in?

Follow our step-by-step tutorial to get back online from the safety of your home.

View tutorial

Need to visit us?
Visit our FAQs

If you need help with something specific, let us know what it relates to or search a topic.

Go to help page