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£310 card showing £100 welcome bonus, £90 cashback and £120 Reward value

Bank accounts that suit you

Over the next few weeks, if you switch to one of our Spend & Save accounts, you could earn up to £310 in cash and rewards.


Enjoy up to £310 in cash and rewards


Get £100 when you open a Spend & Save account and start a full switch before the offer is withdrawn. Additional eligibility criteria apply. Then earn £15 a month for up to 6 months by making 20+ card payments each calendar month. Plus, in Dec 2025, make 20+ card payments to choose a £120 hotel voucher or access to 12-months’ activity tickets in Jan 2026. T&Cs apply. Offer can be withdrawn without notice. 18+ & UK resident.

Current account switch guarantee


Compare our bank accounts

Spend & Save

No fee

Earn £5 cashback, up to first six months

Tool Tip

Earn £5 Cashback monthly for six months, including the month you open your account, when you make 20 debit card payments or more each calendar month. You are eligible for Cashback on opening a new Spend & Save account, or changing from an existing TSB account, excluding Classic. See Cashback T&Cs.

When you make 20 debit card payments each calendar month

Put money aside in a Savings Pot

Tool Tip

Put money aside in up to 5 individual Savings Pots. Maximum balance of £5,000 per Pot and £25,000 per Spend & Save or Spend & Save Plus account.

Earn 2.04% Gross/ 2.05% AER Variable

Arranged overdraft

Tool Tip

Arranged Overdraft subject to application and approval. Overdrafts are repayble on demand.

Subject to application and approval

App features to help you save

My TSB Rewards

Discover great savings on treats like takeaways, holidays, and cinema tickets plus essentials like MOTs

Spend & Save Plus

£3 per month

Earn £5 cashback every month

Tool Tip
  • Ongoing £5 cashback every calendar month, until you close the account, change to another TSB account or TSB withdraw the offer.
  • Cashback is earned when you make 20 transactions or more on your debit card each calendar month, including the month the account is opened.
  • You are eligible for Cashback on opening a new Spend & Save Plus account, or changing from an existing TSB account. 
  • See Cashback T&Cs.

When you make 20 debit card payments each calendar month

Put money aside in a Savings Pot

Tool Tip

Put money aside in up to 5 individual Savings Pots. Maximum balance of £5,000 per Pot and £25,000 per Spend & Save or Spend & Save Plus account.

Earn 2.04% Gross/ 2.05% AER Variable

Arranged overdraft

Tool Tip

Arranged Overdraft subject to application and approval. Overdrafts are repayable on demand.

First £100 interest free. Subject to application and approval

App features to help you save

No TSB fee on debit card transactions worldwide

Tool Tip

No TSB charges for using your debit card abroad. The ATM operator or foreign bank may charge a fee for cash withdrawals. Sellers may also apply a currency conversion fee, if you make a payment by your debit card and they do the conversion.

My TSB Rewards

Discover great savings on treats like takeaways, holidays and cinema tickets plus essentials like MOTs

Student

No maintaining the account fee

5% AER / 4.89% gross variable

Tool Tip

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Interest on balances up to £500, paid monthly

Up to £1,500 overdraft

Tool Tip

Arranged Overdraft subject to application and approval. Overdraft are repayable on demand.

Interest free. Subject to application and approval

Student credit card option. Choose to apply

Graduate

No maintaining the account fee

Up to £2,000 overdraft

Tool Tip

Arranged Overdraft subject to application and approval. Overdraft are repayable on demand.

Interest free. Subject to application and approval

Under 19s

No maintaining the account fee

2.5% AER / 2.47% gross variable

Tool Tip

2.47% AER gross variable interest on balances up to £2,500. Paid monthly. Any money above £2,500 will earn 0.1% AER variable.

AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Interest on balances up to £2,500, paid monthly

Driving lessons discount

With the AA when you're 17. T&Cs apply


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Spend & Save

Spend & Save

Spend & Save Plus

Spend & Save Plus

Account Fee

Monthly maintaining account fee
Monthly maintaining account fee
£0

Per month

£3

Per month

Arranged overdraft limit

Arranged overdraft

<p>Arranged Overdraft subject to application and approval. Overdraft are repayable on demand.</p>

Arranged Overdraft subject to application and approval. Overdraft are repayable on demand.

Subject to eligibility

Arranged overdraft

<p>Arranged Overdraft subject to application and approval. Overdraft are repayable on demand.</p>

Arranged Overdraft subject to application and approval. Overdraft are repayable on demand.

Subject to eligibility

Interest free overdraft
Not available£100

Interest free

Monthly cashback
£5

For the first 6 months

£5

Ongoing

Fee for using abroad
Charges

Charges apply

No

No transaction fees

Money Confidence Tools

Our basic bank account

The Cash account offers the essentials you need for everyday banking. It is an account for people who don't hold another UK bank account and don't qualify for our other current accounts.

You can make payments, withdraw cash and set up regular payments like Direct Debits and standing orders. However, you can’t apply for an overdraft or use a chequebook.



Supporting access to cash

We partner with LINK and Cash Access UK to ensure our customers can easily access their cash.

Find the best way to withdraw cash
Use LINK's cash locator(opens in a new tab) to find the best way to take cash out in your area. 

Need better access in your community?
Find out about LINK and how they can improve access to cash in your community.
 


Cash Access UK and LINK


Mobile phone leaning on three reward partner boxes

Introducing My TSB Rewards

Get offers from top brands like Vue, The Body Shop and lastminute.com plus essentials at Halfords, Vision Express, Whirlpool and more. T&Cs apply.

View offers


How do I switch to a TSB bank account?

We guarantee switching your bank account to us will only take seven working days.

It’s easy as 1-2-3.

Choose to switch to us when you apply, or any time after.

We will move all your incoming and outgoing payments into your new account.

In the unlikely event there are any hiccups, we'll refund any interest and charges on your old or new current accounts.

Current account switch guarantee logo
Current account switching image

Bank Account FAQs


Protected by FSCS


The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of your eligible money at TSB.
 

FSCS website(opens in a new tab)

 


FCA Service Quality Indicators


The Financial Conduct Authority requires us to publish the following information about our Personal Current Accounts.


Our service indicators

 



Important information

AER (variable) means Annual Equivalent Rate. AER (variable) illustrates what your interest rate would be if interest was paid and compounded each year. Gross rate is the contractual rate of interest payable before the deduction of income tax.

Account Opening is subject to our assessment of your circumstances.  You must be 18 or over and a UK resident to apply.  Interest paid monthly. Overdrafts are subject to application and approval and are repayable on demand. Text alerts are free but your mobile operator may charge for some services. Please check with them. We don’t charge for your use of Mobile Banking but your mobile operator may charge for some services, please check with them. Mobile Banking is available on most internet enabled mobile devices. Services may be affected by phone signal and functionality. You must be registered for Internet Banking. Terms and conditions apply.