A regulated deposit-taking institution, supervised and independently audited every year.
Eligible balances are insured up to the protected limit, on every qualifying account.
Real specialists reachable by phone, secure message or branch, seven days a week.
Open an account in minutes and manage everything from web and mobile, around the clock.
We opened our doors in 2008 with a simple conviction: banking should be transparent, dependable and genuinely useful. What began as a single branch has grown into a full-service financial institution serving more than 250,000 customers across personal, business and corporate banking.
Today we pair the reach and security of an established bank with the speed of modern digital tools, so every customer gets fair pricing, straight answers and support whenever they need it.
Two commitments shape every product we build, every rate we publish and every conversation we have with a customer.
To help every customer make confident financial decisions by pairing sound advice with secure, easy-to-use banking. We measure our success by the long-term financial health of the people and businesses we serve.
To be the bank customers recommend most, trusted for the safety of their deposits, the quality of our advice and the ease of every interaction, whether online, on the phone or in a branch.
Clear pricing published up front, a decision on every application within two business days, and a named specialist for any account that needs one. If we ever fall short, we say so, we fix it, and we tell you what changed.
The principles that guide every account we open and every decision we make.
Your deposits are protected by bank-grade encryption, round-the-clock fraud monitoring and multi-factor authentication on every login.
Clear terms and no hidden charges. You always know what you pay before you commit, on every product we offer.
Real people, ready to help by phone, secure message or in branch, with most requests resolved on first contact.
We lend prudently and reinvest in the communities we serve, supporting small businesses and sustainable growth.
We have grown one branch, one product and one customer relationship at a time. These are the moments that shaped the bank we are today.
We open our first branch with 18 colleagues and a single promise: transparent pricing and straight answers on every account.
Online and mobile banking go live, bringing instant transfers, card controls and paperless statements to every customer.
We pass one million opened accounts and introduce dedicated business banking, lending and treasury services.
Our branch, ATM and partner network reaches every region, backed by round-the-clock service and real-time payments.
We are a fully licensed and regulated deposit-taking institution, and eligible deposits are protected up to the insured limit. Our capital position is independently audited every year, and we publish our results for anyone to review.
Behind the technology is an experienced leadership team drawn from across retail, commercial and digital banking, focused on one thing: keeping your money safe and your banking simple.
Our executive team brings together more than a century of combined experience across retail, commercial, risk and digital banking.
Joined at founding in 2008 after two decades in retail and commercial banking. Sets the strategy and chairs the customer outcomes committee.
A chartered accountant who oversees capital, liquidity and treasury, and leads our annual independent audit and public reporting.
Built our digital banking platform from the first release. Responsible for security architecture, uptime and the mobile roadmap.
Leads credit risk, financial crime prevention and regulatory affairs, and owns the fraud monitoring programme across every channel.
Independent bodies and our own customers keep score. We are proud of what the results say about the way we work.
National Banking Excellence Awards, recognising our mobile app and account opening journey.
Independent consumer survey of 40,000 account holders, first place for resolution on first contact.
Business Finance Institute, for speed and transparency of small business credit decisions.
Payments Security Council, for our multi-factor authentication and real-time fraud monitoring.
Deposits placed with us are put back to work locally. We fund small businesses, first-time home buyers and community projects, and we lend within limits our customers can comfortably repay.
Straight answers to the questions customers ask most about how the bank is run, supervised and held to account.
Open an account online in minutes, or talk to our team about the right products for you.
