Personal Banking

Banking built around you

From everyday current accounts to high-yield savings and mortgages — everything you need in one place.

Our Personal Products

Competitive rates and transparent fees across all our personal banking products.

Current Account

A full-featured UK current account with no monthly fees, contactless debit card, and instant payment notifications.

  • No monthly fee
  • Contactless Visa debit card
  • Instant payment alerts
  • Apple Pay & Google Pay
  • Overdraft facility available

Easy Access Savings

4.75% AER

Earn a market-leading rate on your savings with instant access to your money whenever you need it.

  • No minimum deposit
  • Instant access anytime
  • Rate guaranteed for 12 months
  • FSCS protected
  • Open in minutes

Fixed Rate ISA

5.10% AER

Maximise your tax-free savings with our best-in-class Fixed Rate Cash ISA.

  • Tax-free interest
  • £1,000 minimum deposit
  • 2-year fixed term
  • Annual ISA allowance
  • FSCS protected

Mortgages

From 4.39%

Competitive mortgage rates for first-time buyers, home movers, and remortgages.

  • 5% deposit options
  • Fixed & tracker rates
  • No arrangement fee options
  • Free valuation
  • Dedicated adviser

Personal Loan

From 6.9% APR

Borrow from £1,000 to £50,000 for home improvements, a car, or any purpose.

  • Same-day decisions
  • Flexible repayment terms
  • No early repayment fees
  • Instant account transfer
  • Representative APR 6.9%

Travel Card

Spend abroad with zero foreign transaction fees and great exchange rates in 150+ countries.

  • No foreign transaction fees
  • Best-in-class FX rates
  • Emergency cash overseas
  • Lost card protection
  • Virtual card available

Today's Rates

Rates correct as of 17 July 2026

ProductRateTermMin. Deposit
Easy Access Saver4.75% AERVariable£1
1-Year Fixed ISA4.95% AER1 Year£1,000
2-Year Fixed ISA5.10% AER2 Years£1,000
Regular Saver6.00% AER12 Months£25/month
Junior ISA4.50% AERVariable£1
Notice Account (95-day)5.00% AER95 days notice£5,000