Money worries.

If you’re struggling with money you’re not alone. We’re here to help you get the support you need.


Need help managing your money?

The cost of living crisis is squeezing everyone's finances right now. Here are some things you can do to help you feel more in control of your money.


Set a budget  

Use a budget tool to see where your money is going.

Check for benefits  

See if you’re missing out on benefits or tax credits.

Tips to save money  

Use these cost saving tips to save yourself some extra money

See how the app can help  

Use the TSB Mobile Banking App to stay on top of your money.


Things we might be able to do to help:

  • Review your finances to help you pay important bills.

  • Help you plan your budget.

  • Put a hold on or refund some fees, interest or charges.

If you need a hand managing your money, get in touch.


  Struggling with debt?

Things we might be able to do to help:

  • Give you breathing room with a repayment holiday for a TSB mortgage or loan. (Although you’ll pay more interest overall and it may take you longer to repay.)

  • Create a more manageable payment plan for your existing TSB debts.

  • We may be able to combine multiple debts into a single, more cost-effective option.

Get in touch to see how we can help you.


Need help with one of your products?

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I’m worried about…
  • Living off my credit card and the balance keeps rising.
  • I need some breathing room from mounting interest costs.
  • I’ve received a ‘persistent debt’ letter.
How we might be able to help:
  • Changing your payment date to a day that suits you better.
  • Help you set up a Direct Debit to help you meet your minimum payment on time and avoid late fees.


I’m worried about…
  • I’m worried about losing my home if I can’t keep up with my mortgage
  • My mortgage costs me too much each month
How we might be able to help:
  • We may be able to restructure your mortgage to lower your monthly payments.
  • A repayment holiday could help you get back on track.

I’m worried about…
  • I’ve gone over my overdraft, what happens now?
  • I’m struggling with overdraft interest charges.
  • I’ve been using my overdraft a lot and have received a ‘repeat overdraft usage’ letter.
How we might be able to help:
  • A pause in overdraft charges could help you get back on track.
  • A repayment plan to help you pay off an unarranged overdraft.

I’m worried about…
  • I’ve missed a loan payment.
  • My loan costs me too much each month.
How we might be able to help:
  • A repayment holiday could help you get back on track subject to eligibility. Read more about loan repayment holidays.
  • Change your repayment plan to make your monthly payments more manageable.

Life’s challenges and your money

I’m worried about…

  • Getting behind with my bills.
  • I think my employer has treated me unfairly.
  • I have a reduced income, and can’t keep up with payments.

How we might be able to help, depending on your circumstances:

  • Give you a repayment holiday on your loan or mortgage.
  • Pause interest and charges for a period.
  • Explain what options are available to you.

I’m worried about…

  • What do I do after someone dies? 
  • I’ve been left to settle the deceased’s debts
  • I can’t keep up my payments

How we might be able to help:

  • Refer you to a trusted independent service for help
  • Explain what options you have available

Useful resources

TSB: Bereavement

Citizen’s Advice: Death and wills


I’m worried about…

  • I’m worried that my long term illness or disability is affecting my money.I think my employer has treated me unfairly.

How we might be able to help:

  • Understand your circumstances and we will work together to support you.

Useful resources

TSB: Support with chronic illness

Money Helper: Illness and disability


I’m worried about…

  • My gambling is affecting my finances and family.
  • Not being able to stop using gambling websites or apps.

How we might be able to help:

  • We can offer you support and guidance on how to deal with a gambling problem.

Useful resources

TSB: Support for gambling.

Stepchange: Gambling and betting debts.


Help if you're in a vulnerable situation.

Experiencing domestic or financial abuse?

Our branches are a safe space for you to come in and talk to us or you can give us a call. Learn more about the warning signs, what you can do, and how we can help you.

Domestic or financial abuse





Money worries affecting your mental health?

Worrying about finances can impact anyone’s mental health, but don’t bury your head in the sand. We’re here to support you. Get in touch or use one of the links below for some online resources that could help.

Money Helper: Money and mental wellbeing.

Get in touch



StepChange can help you get back on track with free, impartial advice.

Things Stepchange can help with:

  • Support with budgeting or ‘persistent debt’.
  • Debt advice and debt management plans.
  • A way to get your finances back on track after COVID.

Clients after receiving debt advice from Stepchange:


Step change logo


felt more confident to deal with creditors


felt less worried about their debts

Take the first step in taking back control of your finances


Other organisations that can support you

Tips and tricks on making the most of your money.

Free and independent debt advice over the phone and online.

Support if gambling is affecting your finances.

Organisations that offer support for mental health.