From your first current account to financing a business or building long-term wealth, our products are designed to be simple to use, fairly priced and backed by real support. Explore what we do below.
Everyday current and savings accounts with no hidden fees, instant transfers and a mobile app that puts your money at your fingertips.
Learn moreAccounts, payments and cash-flow tools built for sole traders and growing companies, with dedicated relationship support.
Learn morePersonal loans, mortgages and business credit with competitive rates, flexible terms and a decision you can rely on.
Learn moreDebit and credit cards with worldwide acceptance, contactless payments and controls you can manage instantly from the app.
Learn moreGrow your money with expert-guided investment and savings options tailored to your goals and appetite for risk.
Learn moreBank securely anytime from web or mobile: check balances, pay bills, move money and freeze cards in a tap.
Learn moreCover for your home, travel, income and loan repayments, arranged alongside your account so everything sits in one view.
Learn moreHold, send and receive major currencies at transparent rates, with same-day settlement on most international corridors.
Learn moreOpen an account online in minutes, or speak with our team and we will help you find the right fit.
Both sides of the bank share the same platform, the same security and the same support desk. What changes is the toolkit around your account. Here is how the two compare.
For individuals and families who want everyday banking that is simple, transparent and always available. Ideal for salary accounts, saving towards a goal, and borrowing for a car, a home or a life event.
For sole traders, partnerships and growing companies that need to move money, manage people and see cash flow clearly. Built around multi-user access, reconciliation and credit that scales with revenue.
| Feature | Personal | Business |
|---|---|---|
| Monthly account fee | None | None on the starter tier |
| Users on the account | Single or joint | Unlimited, with role permissions |
| Domestic transfers | Instant, free | Instant, free, with bulk upload |
| International payments | Same-day, transparent FX | Same-day, plus forward contracts |
| Cards | Debit and credit | Corporate cards per employee |
| Borrowing | Loans, mortgages, overdraft | Working capital and asset finance |
| Accounting integrations | Statement export | Live feed to major accounting tools |
| Dedicated support | 24/7 phone, chat and email | Named relationship manager |
Products are easy to copy. What is harder is the operating discipline behind them, and that is where we invest.
Eligible deposits are covered by the national protection scheme, held with segregated custodians and reconciled daily by an independent team.
One rate card, published in full. No teaser rates that reset, no charges buried in the exchange spread, no surprise maintenance fees.
Most account applications are approved the same day and the majority of lending decisions are returned within one business day.
Our support desk is staffed around the clock by trained bankers who can resolve an issue on the first call, not route you onward.
Whatever you open with us appears in one dashboard: balances, cards, loans, investments and statements. Web and mobile stay in sync, so you can start something on your laptop and finish it on the train.
No branch appointment, no printed forms. Most customers finish the whole process in under ten minutes and are transacting the same day.
Share your name, address, date of birth and the type of account you need. It takes about three minutes.
Upload a government ID and take a short selfie video. Business customers add their registration documents.
Our compliance team reviews the application, usually the same working day, and emails you the outcome.
Make your first deposit, activate your card and set up the services you want from the dashboard.
I moved my salary account over on a Tuesday and my card arrived on the Friday. Paying rent, splitting bills and saving for a deposit all happen in the same app now.
Amara Okafor
Personal banking customer
The working capital facility was approved in a day and covered a supplier order we would otherwise have lost. Our relationship manager actually understands the seasonality of our trade.
Daniel Reyes
Owner, Reyes Logistics
I started investing with a small monthly amount and a clear risk profile. The reporting is plain English, which is exactly what I wanted from a bank.
Helen Wright
Wealth client since 2019
The things customers ask us most often before they open an account. If yours is not here, our team is one message away.
Open an account online in minutes, switch an existing one with our guided transfer service, or book a call with a specialist who will walk you through the options. Whichever you choose, there is no obligation and no paperwork to print.
Open an account Speak to our team