Notices

Our new and improved Online Service is here.
We've made some improvements to our Online Service. With several enhancements and added benefits our Online Service is now simpler and easier for you to use. Online Service changes
We have launched a new issue of our Online Saver, paying 4.55% Gross AER on balances of £100+. Find out more

The Online Saver (10) is now available for applications via our Online Service. Find out more and apply.
Rate changes following Bank of England decision to decrease its Bank Rate by 0.25% to 4.25% on 8 May 2025. Read more

Savings: Interest rates for Windfall Bond and Tracker Savings Bond will decrease by 0.25% from 1 June 2025. We will be writing to all customers individually to confirm the new rates.
Mortgages: Tracker mortgages will change on 25 June 2025 and we will write to customers individually with revised payment details where the new rate exceeds the minimum rate (or ‘floor’) already applying to their mortgage.

Deposits and withdrawals by bank transfer - processing times

If you need to make any deposits or withdrawals over the Christmas period, here's a helpful summary of dates and our processing times

Adding money to your account

Debit card

Payments can continue to be made throughout the Christmas / New Year period, up until 6pm on 31 December.

Bank transfer

24 December (Christmas Eve)

Head office:

Open 9am - 12pm

Our cut off time for crediting any payments before closing for Christmas will be at 12pm. Any payments received after midday on 24 December will not appear on your account(s) until late morning on 27 December.

25 December

(Christmas Day)

26 December

(Boxing Day)

Head office: Closed

Any deposits or withdrawal requests by bank transfer over the public holidays will not be processed until the afternoon of 27 December.

27 December

Head office:

Open 9am – 5pm

Any payments received after 4pm will be processed on the morning of 30 December.

28 December

29 December

Head office: Closed

All payments received during this time will be processed on the morning of 30 December.

30 December

Head office:

Open 9am - 5pm

Any payments received after 4pm will be processed on the morning of 31 December.

31 December

(New Year's Eve)

Head office:

Open 9am - 12pm

Our cut off time for crediting any payments before closing for the New Year will be at midday. Any payments received after midday on 31 December will not appear on your accounts until 2 January.

1 January

(New year)

Head office: Closed

All payments received during this this time will be processed on the morning of 2 January.

Making withdrawals from accounts

If you request a withdrawal before the cut-off times noted in bold for each date below, then we will process the payment on that date. Funds will reach your account(s) no later than the end of the following working day.

24 December (Christmas Eve)

25 December (Christmas Eve)

26 December (Christmas Day)

Withdrawal requests need to be received by 9:30am. Any withdrawal requests received after this time will not be actioned until the afternoon of 27 December.

27 December

28 December

29 December

Withdrawal requests need to be received by 2:30pm. Any withdrawal requests received after this time will not be actioned until the afternoon of 30 December.

30 December

Withdrawal requests need to be received by 2:30pm. Any withdrawal requests received after this time on 30^th December will not be actioned until the morning of 31 December

30 December

1 January

Withdrawal requests need to be received by 9:30am. Any withdrawal requests received after this time will not be actioned until the afternoon of 2 January.

If you need further information, here's how to contact us.