Changes to your terms and conditions.

There are some changes coming to the way you bank with us.

And because we work in partnership with our customers, we want to help you understand them.

So what's happening?

We’ve written to you about the changes we’re making to our terms and conditions:

  • We’ve split out the terms and conditions so it’s clearer to you which apply to our current accounts and which apply to our savings accounts. So, our savings accounts will have new terms and conditions, and the Personal Banking terms and conditions and Banking Charges Guide will no longer apply to these accounts.
  • Updated some terms to better reflect new industry laws and regulations.

These changes will take place no sooner than 21 March 2021 and we’ll let you know at least 7 days before any change on this page. Some changes won’t be happening until later, which is explained in the drop downs below.

Below are a couple of documents that will help you easily see the changes we’ve made in your new terms and conditions as well as copies of the Personal Banking Terms and Conditions, the Banking Charges Guide, and the new Savings Account General Conditions.

Not before 21 March 2021
  • Changes to what kind of card we will give you, explaining this can be a contactless card.
  • Changes to how we keep your account safe.
  • Changes to how you can take money out of your account.
  • Clarified some wording on paying money into your account.
  • Changes to how we can make changes to your terms and conditions in the future.
  • Changes to what a joint account holder can do without telling the other(s).
  • Changes to statements.
  • Changes to how you can end your agreement with us.
  • Changes to what happens if you don’t use your account.
  • Changes to how you can make a complaint.
  • Removing the Data Privacy Notice from the terms and conditions.
  • Changes on how we can contact you and how you can contact us.
  • Changes to TSB Silver, Gold, Platinum, and Premier Travel Insurance.
Not before 17 April 2021
  • Changes to using your card abroad
Not before 21 March 2021
  • Introduction of the new Savings Accounts General Conditions, which replaces the Personal Banking Terms and Conditions and the Banking Charges Guide for our Savings Accounts.
  • Changes to how we keep your account safe.
  • Changes to fees.
  • Clarified some wording on paying money into your account.
  • Changes to how and when we will tell you about future changes to your terms and conditions.
  • Changes to statements.
  • Changes to what a joint account holder can do without telling the other(s).
  • Changes to how you can end your agreement with us.
  • Changes to what happens if you don’t use your account.
  • Changes to how you can make a complaint.
  • Removing the Data Privacy Notice from the terms and conditions.
  • Changes on how we can contact you and how you can contact us.
Not before 17 April 2021
  • Changes to using your ATM card abroad.

What to do next:

  • If you haven't already, it's important to read the summary of changes.
  • If you have a TSB Savings Account, we will have sent you a summary of changes to savings accounts which can be found here.
  • If you also have (or only have) a TSB Personal Current Account, we will have sent you a summary of changes to personal current accounts, which can be found here.
  • You should also read and download your updated terms and conditions below. Don’t forget your terms and conditions are:
  • Personal Baking Terms & Conditions for your current account 
  • Savings Account General Conditions for your savings accounts (except Savings Pots).
  • Take a look at the useful Frequently Asked Questions.
  • Finally, keep an eye on this page for the latest news – we’ll let you know at least 7 days before a change is made.

To find details of your updated terms and conditions, just select your product(s) from the list below.

FAQs

How can I find out the balance in my account?

You can access this information using our Internet Banking, the Mobile app, Telephone Banking or visiting us in branch. If you have an ATM card you can use this to get a mini statement.

Can I get a more regular statement if I need/want to?

If you would like to get a statement before your annual one is due, you can do this by asking in branch or by calling us and we’ll send it to you in the post. You can also get a mini statement at one of our TSB ATMs for free (if you have an ATM card).

You’ve changed the payments I can make from my savings account, how do I withdraw money?

If you need to make a withdrawal, you can visit us in branch or use your ATM card if you have one, or if you have a TSB current account you can use Internet Banking or mobile app to transfer money to that account.

When do all of these things change?

These changes won’t happen before 21 March 2021. We’ll update this page at least 7 days before any changes happen so keep an eye on here.

The change to exchange rates when using your card abroad won’t take place until 17th April 2021, which is explained in your letter.

Will any of these changes affect my account details (sort code, account number) or card details?

No these will remain the same.

What happens if I have any further questions? Who can I speak to?

Our partners are always on hand to help. You can give us a call or visit us in branch or use the online chat service (when this is available).

What do I do if I want to make a complaint?

To make a complaint you can call us, visit us in branch, write to us or use our online form here.

What do I do if I want to close my account?

All the ways you can close your account can be found here.

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