Notices

  • Savings customers - interest rates on many of our variable rate savings products will be decreasing from 29 January. We have emailed or written to you to let you know of how these interest rate decreases affect you. See our variable savings rate changes

  • UK Landlords - The Renters’ Rights Bill, introduced in September 2024, received Royal Assent on 27 October 2025 and is now law as the Renters’ Rights Act. Read more about what to expect.

  • Savings: Interest rates for Windfall Bond will decrease by 0.25% from 1 January 2026. We will write to all customers individually to confirm the new rates.

    Mortgages: Tracker mortgages will change on 25 January 2026 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.

  • Mortgage products - On Tuesday 20 January 2026, we made changes to our mortgage product range. This includes enhanced Buy to Let HMO criteria, now catering to properties with up to six bedrooms (previously four bedrooms)

    Managed Mortgage Rates and Discounted Variable Rates

    From 7 February 2026, we'll be decreasing our Managed Mortgage Rates (MMR) by 0.15%. All on-sale discounted variable product rates and other details, including representative examples displayed on our website, have been updated to reflect these lower rates.

    We will shortly be writing to existing customers who have been impacted by this change, with details relevant to them.

  • Our Market Tracker Cash ISA (2) paying 4.03% AER is now back on sale. Find out more

Confirmation of Payee (CoP) opt out/in form

 

All eligible customers have been automatically opted in to Confirmation of Payee (CoP), a service that checks your account details when a payment is sent. It is designed to help protect you against fraud, and payments going to the wrong account. This is why we recommend that all our Members remain within CoP.

You can request to opt out of CoP by completing this form and then your request will be reviewed. However, please note that we'll only agree to these requests in exceptional circumstances. You must understand, opting out means that your account won’t be checked when you, someone else or a business tries to make a payment to it and that this might mean the payment will not appear as a match. If you do opt out, you also have the choice of opting back in at a later date using the same form. You can’t opt out of the checks when you make a payment to someone else.
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