Our personal payment accounts are:
- CBS Offset – payment account version not available to new customers.
Please note, we don’t currently have any payment accounts on sale.
How and when you can contact us to ask about the following things:
| 24 hour help? | Telephone | Internet banking** | Mobile banking*** | |
|---|---|---|---|---|
| Contact details | 0345 744 6622* | |||
| Checking the balance and accessing a transaction history | No | 9am - 5pm: Mon to Fri | Not possible† | Not possible |
| Sending money within the UK, including setting up a standing order | No | 9am - 5pm: Mon to Fri | Not possible† | Not possible |
| Paying in a cheque | No | 9am - 5pm: Mon to Fri | Not possible† | Not possible |
| Cancelling a cheque | No | 9am - 5pm: Mon to Fri | Not possible† | Not possible |
| Cash withdrawal in a foreign currency outside the UK | No | 9am - 5pm: Mon to Fri | Not possible† | Not possible |
| A lack of funds: including unarranged overdrafts, payments we allow despite lack of funds and payments we refuse due to lack of funds | No | 9am - 5pm: Mon to Fri | Not possible† | Not possible |
| Third party access to an account, for example under a power of attorney | No | 9am - 5pm: Mon to Fri | Not possible† | Not possible |
| Problems using internet banking or mobile banking | No | 9am - 5pm: Mon to Fri | Not possible† | Not possible |
| Reporting a suspected fraudulent incident or transaction | No | 9am - 5pm: Mon to Fri | Not possible† | Not possible |
| Progress following an account suspension or card cancellation e.g following a fraud incident | No | 9am - 5pm: Mon to Fri | Not possible† | Not possible |
| Account Opening: including eligibility for an arranged overdraft, what is required to open an account and an indication of what arranged overdraft may be available | No | 9am - 5pm: Mon to Fri | Not possible† | Not possible |
Note: this is a list of common queries. It does not represent the full list of queries you can raise in relation to your account.
How and when you can use your personal payment account to do the following things:
| Telephone banking | Internet banking** | Mobile banking*** | |
|---|---|---|---|
| Checking the balance | 0345 744 6622* 24 hours | 23 hours†† | 23 hours†† |
| Accessing a transaction history | 0345 744 6622* 24 hours | 23 hours†† | 23 hours†† |
| Sending money within the UK | Not possible | 23 hours†† | 23 hours†† |
| Setting up a standing order | Not possible | 23 hours†† | 23 hours†† |
| Paying in a cheque | Not possible | Not possible | Not possible |
| Cancelling a cheque | Not possible | Not possible | Not possible |
Note: this is a list of common actions. It does not represent the full list of actions you can take in relation to your account.
* Calls to 03 numbers are charged at the same standard network rate as 01 or 02 landline numbers, even when calling from a mobile.
** To use internet or mobile view banking channels you’ll need to be registered for online access. If you’re not already registered for online access and would like to be, please register here.
*** We don’t currently offer banking via an app. However, some of our online services are available in mobile view.
† This means using a function such as 'live chat' to speak to us immediately and this is not possible with our Online Services. If you are registered to use our Online Services then you can log in to send us a secure message.
†† Routine maintenance is performed daily between 03:00 – 04:00 which means this service will be unavailable during this time.
Information about operational and security incidents
We are obliged to notify the Financial Conduct Authority if we become aware of a major operational or security incident which prevents our customers from using our payment services. | |||||
| In the 3 months between 1 July 2025 and 30 September 2025 | In the 12 months between 1 October 2024 and 30 September 2025 | ||||
|---|---|---|---|---|---|
| Total number of incidents reported | 0 | 2 | |||
| Incidents affecting telephone banking | 0 | 0 | |||
| Incidents affecting mobile banking | 0 | 1 | |||
| Incidents affecting internet banking | 0 | 1 | |||
Complaints data
Financial Conduct Authority rules require us to provide them with a report of our complaints data every six months.
In certain circumstances, we are also required to publish a summary of our complaints data.
The most recent summary is available here by selecting 'Our complaints publication report'.
The Financial Ombudsman Service publishes its complaints data every six months.
You can see their complaints data about us at http://www.ombudsman-complaints-data.org.uk/
What is the interest rate being charged on our products?
| Product | Annual interest rates payable for arranged overdrafts on 30 September 2025 | Annual Interest rates payable for unarranged overdrafts on 30 September 2025 | Refused payment fee on 30 September 2025 |
|---|---|---|---|
| All Products | 0% | 0% | £0 |
| We do not offer current accounts. | |||
Information about overdraft pricing in the period between 1 July 2025 and 30 September 2025
| Product | Advertised APR(s) during the period | ||
|---|---|---|---|
| All Products | 0% | ||
| We do not offer overdrafts. | |||
Quarterly statistics on availability and performance
| Availability Statistics | Performance statistics | ||||||||
|---|---|---|---|---|---|---|---|---|---|
| Internet banking | API | ||||||||
| Day | Internet Banking Uptime (%) | API Uptime (%) | Internet Banking Downtime (%) | API Downtime (%) | Average Response Time (millisecs) | Average PISP response Time (millisecs) | Average AISP response Time (millisecs) | Average CBPII response Time (millisecs) | Error response rate (%) |
| 01 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 273 | 942 | 2536 | NA | 0.32% |
| 02 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 272 | 961 | 2477 | NA | 0.33% |
| 03 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 245 | 872 | 2548 | NA | 0.00% |
| 04 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 254 | 1010 | 2682 | NA | 0.16% |
| 05 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 266 | 890 | 2615 | NA | 0.00% |
| 06 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 271 | 1027 | 2635 | NA | 0.31% |
| 07 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 245 | 857 | 2402 | NA | 0.48% |
| 08 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 270 | 888 | 2423 | NA | 0.15% |
| 09 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 292 | 822 | 2480 | NA | 0.00% |
| 10 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 249 | 857 | 2363 | NA | 0.17% |
| 11 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 295 | 881 | 2649 | NA | 0.00% |
| 12 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 291 | 984 | 2445 | NA | 1.89% |
| 13 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 290 | 932 | 2575 | NA | 4.95% |
| 14 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 254 | 882 | 2759 | NA | 0.31% |
| 15 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 270 | 876 | 2549 | NA | 0.16% |
| 16 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 278 | 877 | 2361 | NA | 0.33% |
| 17 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 265 | 801 | 2534 | NA | 0.33% |
| 18 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 272 | 796 | 2576 | NA | 0.00% |
| 19 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 242 | 957 | 2561 | NA | 0.00% |
| 20 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 241 | 875 | 2651 | NA | 0.31% |
| 21 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 310 | 863 | 2406 | NA | 0.13% |
| 22 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 264 | 797 | 2393 | NA | 0.23% |
| 23 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 253 | 850 | 2315 | NA | 0.12% |
| 24 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 286 | 807 | 2448 | NA | 0.12% |
| 25 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 260 | 914 | 2444 | NA | 0.00% |
| 26 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 272 | 887 | 2344 | NA | 0.12% |
| 27 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 262 | 887 | 2496 | NA | 0.12% |
| 28 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 253 | 958 | 2383 | NA | 0.00% |
| 29 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 256 | 832 | 2346 | NA | 0.23% |
| 30 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 279 | 903 | 2266 | NA | 0.12% |
| 31 July 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 301 | 920 | 2233 | NA | 0.00% |
| 01 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 270 | 875 | 2404 | NA | 0.00% |
| 02 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 223 | 870 | 2477 | NA | 0.00% |
| 03 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 265 | 887 | 2294 | NA | 0.46% |
| 04 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 304 | 941 | 2309 | NA | 0.00% |
| 05 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 239 | 931 | 2311 | NA | 0.00% |
| 06 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 270 | 811 | 2275 | NA | 0.00% |
| 07 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 273 | 827 | 2280 | NA | 0.00% |
| 08 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 289 | 869 | 2307 | NA | 0.69% |
| 09 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 314 | 863 | 2313 | NA | 0.00% |
| 10 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 340 | 917 | 2323 | NA | 0.12% |
| 11 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 289 | 882 | 2321 | NA | 0.11% |
| 12 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 290 | 877 | 2264 | NA | 0.11% |
| 13 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 285 | 991 | 2206 | NA | 0.00% |
| 14 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 282 | 940 | 2230 | NA | 0.24% |
| 15 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 299 | 785 | 2368 | NA | 0.24% |
| 16 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 293 | 878 | 2264 | NA | 0.09% |
| 17 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 239 | 1022 | 2247 | NA | 0.00% |
| 18 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 260 | 820 | 2253 | NA | 0.00% |
| 19 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 254 | 1916 | 1992 | NA | 0.00% |
| 20 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 249 | 862 | 2029 | NA | 0.00% |
| 21 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 259 | 863 | 1947 | NA | 0.47% |
| 22 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 286 | 1045 | 2059 | NA | 0.00% |
| 23 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 298 | 893 | 2178 | NA | 0.00% |
| 24 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 408 | 820 | 2438 | NA | 0.82% |
| 25 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 273 | 863 | 1997 | NA | 0.00% |
| 26 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 281 | 948 | 1990 | NA | 0.00% |
| 27 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 255 | 727 | 1938 | NA | 0.00% |
| 28 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 259 | 883 | 1928 | NA | 0.46% |
| 29 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 270 | 904 | 2201 | NA | 0.42% |
| 30 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 276 | 895 | 1989 | NA | 0.00% |
| 31 August 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 255 | 918 | 1954 | NA | 0.00% |
| 01 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 270 | 270 | 2096 | NA | 0.00% |
| 02 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 223 | 223 | 2036 | NA | 0.00% |
| 03 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 265 | 265 | 2285 | NA | 0.00% |
| 04 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 304 | 304 | 1975 | NA | 0.00% |
| 05 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 239 | 3417 | 1982 | NA | 0.43% |
| 06 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 270 | 3196 | 2029 | NA | 0.00% |
| 07 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 273 | 3341 | 1992 | NA | 1.25% |
| 08 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 289 | 3223 | 2007 | NA | 0.00% |
| 09 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 314 | 3369 | 1945 | NA | 0.00% |
| 10 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 340 | 3272 | 1893 | NA | 0.00% |
| 11 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 289 | 3954 | 1905 | NA | 0.48% |
| 12 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 290 | 4387 | 2056 | NA | 0.00% |
| 13 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 285 | 3231 | 2047 | NA | 0.40% |
| 14 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 282 | 3266 | 1949 | NA | 0.00% |
| 15 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 299 | 3144 | 2029 | NA | 1.17% |
| 16 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 293 | 3755 | 2052 | NA | 0.40% |
| 17 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 239 | 3316 | 1942 | NA | 0.47% |
| 18 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 260 | 3543 | 2012 | NA | 0.00% |
| 19 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 254 | 3290 | 2026 | NA | 0.41% |
| 20 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 249 | 3410 | 2073 | NA | 0.00% |
| 21 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 259 | 3212 | 2023 | NA | 0.35% |
| 22 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 286 | 3471 | 2024 | NA | 0.00% |
| 23 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 298 | 3268 | 2358 | NA | 0.43% |
| 24 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 408 | 3296 | 2025 | NA | 0.00% |
| 25 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 273 | 3436 | 1910 | NA | 0.00% |
| 26 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 281 | 3387 | 2104 | NA | 0.00% |
| 27 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 255 | 3393 | 2086 | NA | 0.00% |
| 28 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 259 | 3227 | 2039 | NA | 0.79% |
| 29 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 270 | 3291 | 2112 | NA | 0.00% |
| 30 September 2025 | 100.00% | 100.00% | 0.00% | 0.00% | 276 | 3342 | 2052 | NA | 0.00% |