Savings and current accounts that haven’t been used for a long time

There could be many reasons why you haven’t used your personal or business savings or current account recently.

Whatever the reason, please be assured that we’ll keep your money safe for when you do need it.

How do we keep your money safe?

For savings and current accounts where a transaction hasn’t been made for three years, we’ll freeze your account to prevent any further money being paid in, withdrawn or fraudulent activity to protect you until we have received instructions from you and re-checked your identification. For further protection we’ll also stop sending out future account statements or issue new debit/ATM cards.

We’ll contact you before we make any changes to your account, so that you know what options are available to you.

Below is a guide of the choices available to you.

What are my options?

I want to keep my account active

If you're happy with your account and want to keep it active, then simply pay money in or make a withdrawal within two months of receiving our letter. The amount can be as little as a penny. 

You can pay money in or make a withdrawal via our Internet Banking. If you don't already use Internet Banking, it's simple to register online, you can then also start to use our Mobile Banking app.

If you'd prefer to visit a TSB branch, you can check our branch locator to find your nearest branch and our opening hours. 

I’d like to review my account

If you're not sure whether your account is best for you, then please visit here to view our range of savings and current accounts or visit us in branch.

For business customers you can see the latest information on our products here or contact your Relationship Manager on 0345 835 3858.

I want to close my account

We'll be sorry to see you go, but you can do this through the TSB online form or by visiting us in branch.

If you have a TSB Cash ISA and want to close it, please remember that if you don’t transfer the account to another ISA with a different bank or building society the money held in the account may lose its tax-free status. Please see our ISA guide for more information.

If you don't do anything 

If you don't pay money in or make a withdrawal from your savings or current account within two months of the letter date, then we’ll:

  • Close the account on your behalf if it has a zero balance; or

  • Freeze any future transactions if there is money in the account. This means you won't be able to make any more transactions until you contact us, but we'll continue to hold your money securely.

Using your account again

If you choose not to make a transaction in the two months following your notification, your account will be frozen. This means that you can’t make any further transactions unless you reactivate the account.  

You can reactivate your account at any time after its been frozen, by completing an online Reactivation form. We’ll reactivate your account within 10 days of receiving your completed form.

Alternatively, you can choose to visit a TSB branch. Please bring along your ID to prove your identity such as your passport or driving licence and a recent utility bill to confirm your address. We'll also ask you to make a transaction to one of your accounts.

More information on the types of ID and address confirmation we accept is available here.

If you’d like to come and see us in branch, you can check our branch locator to find your nearest branch and check when we’re open. You can even call ahead to book an appointment. 

Frequently Asked Questions:

I’ve received a letter telling me you’re going to freeze my account – what does this mean?

  • We’ve reached out to you as we don’t believe that you’ve used your savings or current account for some time.

  • If you don’t make a transaction within two months of receiving your letter, then we’ll stop any future money being paid in or withdrawn until you reactivate the account. We do this to make sure that your money is safe and secure for when you do need it.

How can I stop my account being frozen?

  • You can stop your account being frozen by paying money in or making a withdrawal within two months of receiving our letter. 

  • You can pay money in or make a withdrawal via our Internet Banking. If you don't already use Internet Banking, it's simple to register online. You can then also access our Mobile Banking App. 

  • You can make a transfer at a TSB branch.

How can I access my money if the account is frozen?

  • If your account is frozen, you can access your money by reconfirming your identification. This can be done online using the reactivation form or by visiting a TSB Branch after your account is frozen. As we freeze all your savings and current accounts, you will need to reactivate them all if you wish to start using them again. 

Is my money safe if I don’t do anything?

  • Your money is safe even if you don’t take any action. When the time is right, simply complete the online reactivation form, make a transaction and then your account is reactivated.

I want to close my account

  • We can do this for you online. Please complete the online form here.

I need help to save – how can you help me?

  • We’ve got lots to ways to help you save. We can help you set savings goals so that you can track your progress or arrange standing orders, so that the money is transferred to your savings automatically following pay day. Please read our online savings pages or visit us in branch.

I don’t think I have any accounts with TSB – what should I do?

  • You might think you hold an account with Lloyds or Cheltenham & Gloucester, but TSB took ownership of many of these accounts when we split from Lloyds TSB in 2013. 

  • If you’re unsure, please bring a copy of the letter sent to you into any TSB branch with your identification documents and we’ll be able to help you.

I’ve reactivated my account – but I still can’t pay money in or make a withdrawal

  • Please visit us in branch and we’ll be able to put things right for you.

I have more than one savings and current account, will they all be frozen?

  • If you make a transaction on any of your savings or current accounts within two months of receiving your letter, none of your accounts will be frozen. 

  • If you don’t make a transaction in this period, we will freeze all your savings and current accounts.

Why are you contacting me when I have other active relationships with TSB?

You may have other active relationships with TSB, eg a loan, mortgage or credit card but we still wanted to remind you about any money held in a savings or current account. If you choose not to take any action at this time, your money will be safe and secure for when you do need it.

Will anything happen to my TSB mortgage, loan or credit card if I don’t take any action? 

Even if you don’t take any action, you will still be able to use your TSB credit cards and make payments to your mortgage and loans. 

Will a transaction on my credit card prevent my savings or current account becoming inactive?

No, we need you to make a transaction on either a savings or current account to prevent these accounts being frozen. 

I am a business customer – do these changes apply to my accounts too?

Yes, we also wanted to remind you of any money held in your savings or current accounts. The same rules apply, you have two months from the date of the letter to make a transaction or we’ll freeze the account, so that your money is safe and secure for when you need it.

1. We've identified that you hold a savings or current account with TSB and haven't made a transaction in the last 3 years


2. We'll write to you to ask what you want to do with the account


3. You have 2 months to make a transaction and keep the account active


4. If you don't make a transaction we will freeze your account 2 months after we send you the letter


5. To reactivate your account after its been frozen, you'll need to re-supply your name and address identification and make a transaction

Online Account Reactivation Form

Complete the online form

To complete the online form you will need access to a smartphone and to verify yourself using a Passport or Photo Driving licence.

We have chosen Adobe to support us with our digital processes by using their ‘Adobe Sign’ software. 

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 accordance with their terms and conditions of service.

You may therefore wish to read their Adobe Terms of Use and Consumer Disclosure before using the form.

FAQ icon

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