Personal Banking

Personal Banking

Current Account
What is a lost account?

Bank charges and interest


Whoever you bank with, there are a great number of benefits to having a bank account and it’s important that you select the right one for you. We want to help you make that decision by providing up-to-date, impartial information. Whatever you need a bank account for – whether it’s for you or a loved one, or even if you’re thinking of switching to a new bank entirely, you should find some helpful tips and key guidance here.

We’ve also provided some useful pages on a range of other issues including borrowing, branch accessibility and financial scams in order to keep you informed.

In the Spring of 2013 we also launched a new ‘Consumer Panel’, comprised of charities, consumer groups and banks. We wanted to make sure that the banks had the right feedback and information to improve the everyday experiences of customers. You can find out more about the work of our Consumer Panel here.

Accessible Banking

Banks are working hard to make their services accessible to everyone, a process informed by engaging with customers and learning what their specific needs are. In this section we discuss some of the products, commitments and physical changes that the banks are using to make personal finance accessible for all different sorts of people.


Borrowing from your bank can be a useful way to smooth out the gaps between your income and expenditure to help you to pay for a larger purchase, such as a car or house. Used sensibly, borrowing money can be a helpful tool for managing your finances. The key is to remain in control of your money and to make sure that you don’t over-stretch yourself.

Current Accounts

Current accounts are the facility many of us use to run our day-to-day finances. Here you will find useful information on how current accounts work and links to other helpful organisations. There is also information on Universal Credit for those customers who have queries about how the new system will work and what to expect from you bank.

Financial Crime

The evolution of modern technology means that criminals are becoming increasingly sophisticated, and banks and the police have to work hard to stay one step ahead. Here we’ve tried to provide some important tips on how you can help by protecting yourself, along with some helpful information on what to do if you have recently become a victim of financial crime.

Financial Difficulties

The most important thing to keep in mind if you are worried about your financial situation is that you are not alone – many people out there share your concerns and, crucially, there are many ways in which you can get help. Whether you are starting to struggle or have accumulated debt, here we provide some pointers on what to do and who to contact first.

Help Managing Money for Yourself or Others

Sometimes dealing with your personal finances can be a complex and demanding task. Luckily, if you are struggling, there are various ways that you can get help – either for yourself or for others. Here we hope to give you an overview of some of the options available, from guidance on budgeting to obtaining the power of attorney for a friend or family member.

Savings and Investments

Whether you are saving up for a holiday or simply putting some money away each month, a savings account can be a useful tool to keep the money safe and gain interest. For longer term saving you might want to consider making some investments as an alternative, which could mean you earn more from your money. If you’re weighing up the options you can learn more here before you decide which might be the right choice for you.

Money Advice Service

Independent, unbiased money advice service available to everyone.

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Helpful leaflets

See our range of helpful leaflets ranging from joint accounts to deal with debt.

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