Current accounts help and support

Quick tips to help you manage your current account.

If you have a current account with us, we can support you when you need us. Find out:

  • How we can help you if you are experiencing money worries
  • How we can help you deal with a major life event
  • How we can help you manage your day-to-day money better
  • Support you may find useful if you have a disability or a physical or mental health condition

Help for customers in vulnerable circumstances can be found on our Supporting Customers page.

Contactless cards make paying for small items quick and easy. It allows you to use your Debit Card to pay for things up to £30 without entering your PIN, by simply holding your card over the contactless card reader. More and more retailers are introducing it - look out for the contactless symbol or find your local retailers.

We're starting to include contactless technology in our Debit Cards - if your card has the contactless symbol, it has contactless built in. If you don't already have a contactless card but would like one, just visit your nearest branch who will be able to arrange it for you, if eligible.

Find out everything you need to know in our contactless payments guide.

Contactless is:

  • Quick and convenient for low value purchases
  • Free to use
  • Just as safe as using chip and PIN
  • Protected against fraud loss if your card is lost or stolen
  • Optional - you can still use chip and PIN if you prefer

Contactless eligibility is subject to status.

When you're abroad, you can use your Visa debit card to to make a debit card payment and make a cash withdrawal in a foreign currency outside the UK just as you do at home, wherever you see the Visa symbol. You'll find your TSB Visa card:

  • Convenient and safe
  • Accepted all over the world
  • Gives you competitive exchange rates
  • Protects you against fraud for any unauthorised spending

Charges for using cash machines abroad

There are charges for using your debit card to withdraw cash when you're abroad. Cash machines generally give you the option of choosing your cash amount in local currency or sterling equivalent (for example you want "£10 worth of Euros").

If you choose local currency, TSB will need to convert the withdrawal to sterling and will charge you a non-sterling transaction fee off 2.99% of the value of the withdrawal and a non-sterling cash fee of 1.5% (min £2, max £4.50). 

If you choose sterling equivalent, the cash machine owner will make the conversion into sterling and TSB will only apply the non-sterling cash fee of 1.5% (min £2, max £4.50), however the ATM owner may make a separate charge for the conversion.

Charges for making a debit card payment in a foreign currency

When you use your card in shops overseas and you choose to pay in the local currency, the amount is converted to sterling on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate. We will charge a non-sterling transaction fee of 2.99% of the value of the transaction and we will charge a non-sterling purchase fee of £1 which is not applicable if you use a Platinum or Premier account Debit Card.

See our Banking Charges Guide (PDF, 250KB) for more details.

To make using your Debit Card abroad hassle-free, before you go:

Check we have your mobile or best contact number - to update your details, call us or visit a local branch

Save our overseas number on 0203 284 1575 your mobile in case you need to get in touch with us

You will need identification with you if you want to make a cash withdrawal from a bank abroad (although you can use cash machines just like at home).

How does TSB keep my money secure?

We use sophisticated fraud detection systems to help keep your money secure, for example we:

  • Continually analyse spending patterns on your account and check out anything unusual
  • Check suspicious transactions with you using our automated calling services (we will never ask you to tell us, in full, your passwords or sensitive account information)
  • May ask for additional security checks at the point of transaction
  • May stop further purchases until we're sure it's you

If you get an automated transaction checking call from us and you want to check that it's authentic, or have any questions, call 0345 835 7922  in the UK, or +44 1733 286355  from abroad. 

If you are ever subjected to fraud, we'll put a stop to it as soon as we're aware, and you'll be reimbursed for any losses that aren't your fault. We'll also send you a new card as soon as possible (usually within five working days).

What you can do

You can help minimise the risk of fraud by taking simple precautions:

  • Never tell anyone your PIN or Internet Banking login details
  • Only shop online from known retailers
  • Always look out for the padlock symbol on shopping websites
  • Always shred receipts and documents containing personal information before disposing of them

If you're registered for Internet Banking, you can cancel some Direct Debits online. Simply log in and follow the instructions.

If you're not registered for Internet Banking, contact the company you are making the payment to (the beneficiary) as well as a TSB branch.

  • 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

What is an Arranged​ Overdraft

An Arranged Overdraft is an overdraft up to an agreed limit, which you arrange with us in advance.

  • Perfect for short-term borrowing - such as covering you until pay day
  • No set-up fee, and you'll only pay fees and interest if you use an overdraft
  • Increase, decrease or cancel your overdraft whenever you want
  • Interest and fee free overdrafts are available on all our current accounts except the Under 19s, Cash and Classic Essentials accounts
  • You must be 18 to apply for an overdraft

Charges and fees

Many of our accounts come with an interest and fee-free overdraft facility. You'll still have to apply for this, but if we agree, it means you can spend up to that limit without paying fees or interest. You can also apply for a higher limit, which if agreed will be subject to the following fees:

Monthly Overdraft Usage Fee of £6 if you go over the interest and fee free amount during your monthly billing period. You'll only pay this fee once in a monthly billing period no matter how many times you go overdrawn in that month.

Interest on the money you borrow over and above your interest free limit. Interest rates vary according to your account.

Representative example

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.

Important things to bear in mind

All overdrafts are subject to application and approval, even those available as a benefit of your current account

  • How much we lend depends on our assessment of your personal circumstances
  • We'll review your Arranged Overdraft at least once every 12 months
  • If we don't specify an end date, your Arranged Overdraft will continue until ended by either of us
  • All overdrafts are repayable on demand. This means we can ask you to repay all or part of your overdraft (and any interest or charges) at any time, even if we have agreed a period for the overdraft with you
  • We can reduce your overdraft limit at any time
  • We will normally give 30 days' notice before making any changes

If you exceed your agreed overdraft limit there could be some serious consequences:

  • The total cost of your debt will go up because you'll pay extra interest and charges
  • Your credit rating and your ability to obtain credit in the future may be affected
  • We may take legal action against you

What is an Unarranged Overdraft?

If you try to make a payment (for example by Direct Debit) and you don't have enough money in your account, we'll treat this as a request for an Unarranged Overdraft or for an increase in to one you already have.

If we agree, we'll provide you with an Unarranged Overdraft (or extend your existing one) to cover the payment. If we do not agree, you won't be able to make the payment (it will be refused due to a lack of funds) and we will charge you a £10 Returned Item Fee, unless the amount you were trying to pay was less than £10, in which case you won't be charged.

Charges and fees for Unarranged Overdrafts

You won't pay any fees or interest if you borrow £10 or less using an Unarranged Overdraft.

If you borrow more than the £10 buffer, you will pay:

  1. A Monthly Overdraft Usage Fee of £6 (unless you have already paid this by using an Arranged Overdraft). You'll only pay this fee once in a monthly billing period no matter how many times you go overdrawn in that month.
  2. Interest on the whole amount.
  3. Daily fees (maximum of 8 daily fees in a monthly billing period). These vary depending on the amount you are overdrawn.

We’ll never charge you more than £80 each monthly billing period for the total of all these fees:

  • Unarranged Overdraft Daily Usage Fees
  • Unarranged Monthly Overdraft Usage Fee
  • Unarranged Overdraft interest
  • Returned Item Fees

To make comparing bank products easier for you, banks are setting a maximum monthly charge for unarranged borrowing fees. Each bank may charge different fees, but all banks are explaining it the same way, with the same wording.

Monthly cap on unarranged overdraft charges

  1. Each current account will set a monthly maximum charge for:
    a) Going overdrawn when you have not arranged an overdraft.
    b) Going over/past your arranged overdraft limit (if you have one).
  2. This cap covers:
    a) Interest and fees for going over/past your arranged overdraft limit.
    b) Fees for each payment your bank allows despite lack of funds.
    c) Fees for each payment your bank refuses due to lack of funds.
Full details of our fees and charges can be found in our Banking Charges Guide

For full details of interest rates and charges, see individual bank account information:

Important things to bear in mind

All overdrafts are repayable on demand. This means we can ask you to repay all or part of your overdraft (and any interest or charges) at any time, even if we have agreed a period for the overdraft with you.

We will normally give 30 days notice before making any changes.

Services to help you avoid an Unarranged Overdraft

As well as easy access to your bank account balance and other information through cash machines, Internet and Mobile Banking, we offer some specific services to help you avoid unnecessary overdraft charges:

Free Weekly Balance Alerts and Text Alerts when you get close to or exceed your limit so that you can avoid Overdraft fees (you need to register for these services).

Unarranged Overdraft Buffer - 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.

Grace Period - if you go overdrawn, you have until 10pm (UK time) that day to pay in enough money to avoid overdraft fees and interest you may incur. The money needs to be immediately available to use, so you could transfer money from another personal account you have with us via Mobile Banking, Internet Banking or Telephone Banking or pay in cash at your nearest branch.


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)
  • You can still have an arranged overdraft, subject to application and approval

How does an overdraft work?

Usually, if you try to make a payment that's more than you have in your account or goes over your overdraft limit, we treat it as a request for an Unarranged Overdraft. You're charged daily and monthly fees, or a returned item fee if we refuse the payment due to a lack of funds.

With Control, if you try to pay for something when there's not enough money in your account to cover it, we'll automatically stop the transaction going ahead. This includes:

  • Visa Debit Cards used in shops and online
  • Cash machine withdrawals
  • Direct Debits (including mortgages, loans and rent)
  • Standing Orders

Sometimes we can't stop the payment, for example if you use your card where either the retailer doesn't or can't check with us - like if the transaction amount is very low or you are on a plane. If this means you go into unarranged overdraft, then we still won't charge you the daily or monthly fees, although we will charge you interest and the Arranged Overdraft Usage Fee.

Important things to bear in mind

  • Your mortgage or rent, loan and credit card repayments and utility bills won't be paid if they would take you over your limit
  • Control applies to new transactions only. Any unprocessed payments or outstanding fees and charges you have when you register for Control will still be processed, even if this takes you into an unarranged overdraft. In this case the usual fees and charges will apply.

You should also read the Control Terms and Conditions(PDF) before deciding if Control is right for you.

Apply for Control

New customers can opt for control when you open your bank account - although this option is not available online. Just call us or drop into a TSB Branch.


If you have a current account with us and are registered for Internet Banking you can request to increase your overdraft online. To decrease or cancel your overdraft please call us on 03459 758 758 or visit us in branch.

By Phone

Call 03459 758 758

8am-6pm Monday to Friday and 9am-2pm Saturdays.

  • When applying for an account online, to make things as quick and straightforward as possible, please make sure the details you enter exactly match those on any personal identification documentation (like a driving licence or passport) that we may also check in branch as part of the usual application process.
  • To open your account, we may need to verify your identity and address in branch. Please bring 2 official documents with you (we're not able to accept copies or documents printed off the internet) - 1 for proof of identity and 1 for proof of address.
  • Unfortunately, we're not able to accept 1 document as proof of both your identity and address, e.g. photocard driving licence showing name and address.     

If you're a UK, EU, EEA or Swiss National please bring:

  • Full and current passport
  • Full and current photocard driving licence
  • Current UK Provisional photocard driving licence
  • A full and current 'old style' UK paper driving licence (issued before 1998 when photocard was introduced)
  • Current EU/EEA National identity photo card
  • Current Northern Ireland voters card
  • Current Firearms or shotgun licence
  • Benefits/state pension notification letter - issued in last 12 months and confirming rights to benefits
  • HMRC Tax Notification e.g. notice of coding, relating to the current tax year and less than 6 months old (P45 and P60 certificates are not acceptable)
  • Current Blue disabled drivers pass

If you're a national from any other country outside the UK, EU, EEA or Switzerland please bring:

  • Full and current passport with valid UK Visa or a valid UK Biometric Residence Permit

For under 18s:

  • Current Young Scot card
  • National Insurance card or letter
  • UK birth certificate
  • UK Medical Card/Certificate

Proof of address:

  • Bank, Building Society or Credit Union statement (showing a minimum of 2 transactions within the last 3 months)
  • Utility bill/utility statement (except water bill or mobile phone bill) dated within the last 3 months
  • Council tax bill for current Council Tax billing year and dated in the last 12 months
  • Full and current UK photocard driving licence (only if not used as proof of identity)
  • A full and current 'old style' UK paper driving licence (issued before 1998 when photocard was introduced and only if not used as proof of identity)
  • Benefits or state pensions notification letter confirming the right to benefit (only if not used as proof of identity) - issued within the last 12 months
  • HMRC Tax Notification e.g. notice of coding, relating to the current tax year and less than 6 months old (P45 and P60 certificates are not acceptable and only if not used as proof of identity)
  • Jobcentre Plus letter dated within the last 3 months, containing your address and your allocated National Insurance Number (NiNo)


Applying for an Under 19s Account

If aged between 11 and 15, a parent/guardian must be present, both when an account is opened and when additional services are applied for.  

Two forms of ID, such as passport or birth certificate, as well as proof of the parent's identity and address are required.  

Over 16's don't need to be accompanied by a parent but need to bring in proof of their identity and proof of their address.  

Applying for a Student Account

In addition to proof of identity, such as passport or birth certificate, and proof of your address, you'll need to print off your UCAS confirmation letter, or a letter from your university or college confirming your place, and bring it along with your other identity and address verification documents to your local branch.

If you haven't been living in the UK for at least 3 years, for example if you are an International Student, see our other bank accounts.

Managing your money is easiest online


Internet Banking

Card lost or stolen? Received a suspicious email or suspect other fraudulent activity? We can help.

  • View your account statements
  • Set up/manage standing orders
  • Manage Direct Debits
  • Apply for an overdraft
  • Register for Pay a Contact (Paym)
  • Set up text alerts and more

Mobile Banking App

Our Mobile Banking App is easier to use than ever so you can enjoy quick and secure banking from your mobile device.

  • Fingerprint login
  • Face ID and Samsung Pass
  • View current and available balances
  • Pay a Contact from your phone book
  • View your latest and pending transactions
  • Move money between all of your TSB personal accounts instantly
Mobile phone


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