TSB

TSB is currently part of the Spanish Sabadell Group, the fifth largest Spanish banking group.

TSB merged with Lloyds Bank in 1995 to become Lloyds TSB. However, a European Commission ruling in 2009 required the Group to divest itself, creating the TSB brand once more.

TSB offers a variety of products and services, including bank accounts, credit cards, mortgages and savings accounts, as well as general insurance products such as travel and home insurance.

Its insurance products are underwritten by Aviva and its headquarters are based in Edinburgh, Scotland.

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Bank accounts

Ranked 23^rd of 30 providers reviewed.

Customer happiness score	52.58%
Customer trust score	52.94%
Complaints performance	67.7%
Transparency rating	74.01%
Fairer Finance score Reviewed Autumn 2023	62%

Credit cards

Ranked 30^th of 34 providers reviewed.

Customer happiness score	51.1%
Customer trust score	49.78%
Complaints performance	67.39%
Transparency rating	46.03%
Fairer Finance score Reviewed Autumn 2023	54%

Home insurance (building and contents)

Ranked 8^th of 46 providers reviewed.

Customer happiness score	69.64%
Customer trust score	69.2%
Complaints performance	73.26%
Transparency rating	66.07%
Fairer Finance score Reviewed Autumn 2023	69%

Mortgages

Ranked 21^st of 23 providers reviewed.

Customer happiness score	53.32%
Customer trust score	47.05%
Complaints performance	69.84%
Transparency rating	55.45%
Fairer Finance score Reviewed Autumn 2023	56%

Personal loans

Ranked 6^th of 27 providers reviewed.

Customer happiness score	59.86%
Customer trust score	55.99%
Complaints performance	67.8%
Transparency rating	74.93%
Fairer Finance score Reviewed Autumn 2023	65%

Savings Accounts

Ranked 45^th of 53 providers reviewed.

Customer happiness score	43.98%
Customer trust score	51.75%
Complaints performance	67.8%
Transparency rating	68.41%
Fairer Finance score Reviewed Autumn 2023	58%

Cash withdrawal fee in UK (own bank) i	£0.00
Annual fee i	£0.00
Part of FSCS i
Unpaid transaction fee i	£0.00
Bankers draft/cheque fee i	Not available
Faster Payment limit i	£100,000.00
Maximum cash machine withdrawal per day i	£500.00
Can you use your card to pay for items overseas? i

Annual fee i	£36.00
Maximum cash machine withdrawal per day i	£500.00
Part of FSCS i
App capability? i
Cash withdrawal fee in UK (own bank) i	£0.00
Card payment fee (£) i	£0.00

Foreign cash withdrawal fee i	0%
Foreign cash withdrawal additional charge i	£0.00
Foreign purchases fee i	0%
Is there a limit on free cash withdrawals? i	Unlimited

Foreign cash withdrawal fee i	2.99%
Foreign cash withdrawal additional charge i	1.5% (Minimum £2, Maximum £4.50)
Foreign purchases fee i	2.99%
Is there a limit on free cash withdrawals? i	No free cash withdrawals

Risk based overdraft? i
Arranged overdraft interest free amount i	£100.00
Arranged overdraft interest rate (representative EAR) i	40.1%

Arranged overdraft limit i	£1500 (£500 for first six months, £1000 months 7-9, £1500 from month 10)
Tiered repayment of overdraft i
Switching / sign up incentive i

Arranged overdraft limit i	£2,000.00
Tiered repayment of overdraft i
Switching / sign up incentive i

Duration of 0% balance transfer offer period i	12 months
Balance transfer fee during promotional period i	2.95%
Representative APR i	24.9%
Balance transfer rate during promotional period i	0%
Highest balance transfer fee during promotional period (%) i	2.95%
Representative balance transfer rate i	1.88%
Risk based? i

Duration of 0% balance transfer offer period i	3 months
Balance transfer fee during promotional period i	0%
Representative APR i	12.9%
Balance transfer rate during promotional period i	0%
Highest balance transfer fee during promotional period (%) i	0%
Representative balance transfer rate i	1.02%
Risk based? i

Duration of 0% balance transfer offer period i	24 or 21 or 18 months
Balance transfer fee during promotional period i	2.95%
Representative APR i	24.9%
Balance transfer rate during promotional period i	0%
Highest balance transfer fee during promotional period (%) i	2.95%
Representative balance transfer rate i	1.88%
Risk based? i

Home Security Cover i
Home Emergency Cover limit i	£1,000.00
Primary Heating System i
Cover Type i	Add-On
Internal plumbing and drainage i
Boiler breakdown cover i
Pest infestation cover i
Alternative Accommodation Cover i	£1,000.00
Unoccupied period i	60
Annual boiler service i
Internal gas supply pipe cover i
Domestic Power supply covered? i
Claims limit i	Unlimited

Alternative accommodation cover limit for buildings i	£200,000.00
Theft from outbuildings i	£5,000.00
Protection against inflation (Buildings)
Matching sets (contents) i
Contents compulsory excess i	£100.00
Property owner liability i	£5,000,000.00
Cancellation fee within 14 days i	£0.00
Contents cover limit i	Unlimited
Alternative accommodation cover limit for contents i	£50,000.00
Buildings cover limit i	Unlimited
Cancellation fee after 14 days i	£0.00
Liability to domestic employees i	£10,000,000.00
Trace and access i	£5,000.00
Keys/locks if lost or stolen (Buildings) i	£1,000.00
Liability as a tenant i	£15,000.00
Replace belongings new for old i
Flood excess i	£100.00
Escape of water excess (minimum) i	£500.00
Money in the home i	£750.00
Visitor's possessions i	£0.00
Office equipment i	£6,000.00

Alternative accommodation cover limit for buildings i	£100,000.00
Theft from outbuildings i	£1,450.00
Protection against inflation (Buildings)
Matching sets (contents) i
Contents compulsory excess i	£100.00
Property owner liability i	£5,000,000.00
Cancellation fee within 14 days i	£0.00
Contents cover limit i	£100,000.00
Alternative accommodation cover limit for contents i	£25,000.00
Buildings cover limit i	£1,000,000.00
Cancellation fee after 14 days i	£0.00
Liability to domestic employees i	£10,000,000.00
Trace and access i	£2,500.00
Keys/locks if lost or stolen (Buildings) i	£1,000.00
Liability as a tenant i	£15,000.00
Replace belongings new for old i
Flood excess i	£100.00
Escape of water excess (minimum) i	£500.00
Money in the home i	£750.00
Visitor's possessions i	£0.00
Office equipment i	£6,000.00

Escape of water excess for buildings i	£500.00
Matching sets (Buildings) i
Frozen pipes i
Underground pipes, cables and tanks i	Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i	£100.00
Unoccupied period i	60 days
Property owner liability i	£5,000,000.00
Helpline i
Cancellation fee after 14 days (buildings) i	£0.00
Amendment fee (telephone) i	£0.00

Duration of purchases offer period i	12 months
Representative APR i	24.9%
Highest APR i	30.9%
Purchase rate during promotional period i	0%
Representative purchase rate i	1.88%
Number of days before interest is charged on purchases i	56 days
Risk based? i

Representative APR i	24.9%
Foreign purchase fee i	2.95%
Foreign withdrawal fee i	3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i	0 days
Representative purchase rate i	1.88%

How long after policy is started can full benefits be claimed? i	12 months
Age when premiums stop i	90
Cover type (level or increasing) i	Level
Cover for accidental death in waiting period i	100%
Signing up incentive i	£100 gift card
Can you reduce monthly payments? i	yes
Minimum age i	50
If a payment is missed, how long until the policy is cancelled? i	60 days
Maximum age i	80
Does the policy offer the customer a proportionate amount of money back if they choose to cancel after paying 50% or more of the scheduled monthly payments? i
Rate used to calculate increasing cover i
Cover for non-accidental death in waiting period (% of premiums paid) i	100%
Payout for accidental death outside waiting period i	100%
How much for terminal illness benefit? i	£0.00
How much will be paid for serious illness? i	£0.00
Discount offered with a funeral provider? i
Funeral benefit option provider i

TSB

Bank accounts

Basic bank accounts

Current accounts

Foreign use bank accounts

Overdrafts

Student bank accounts

Credit cards

0% balance transfer credit cards

0% purchase credit cards

Foreign use credit cards

Home emergency cover

Home insurance (building and contents)

Buildings insurance

Contents insurance

Life insurance

Over 50s life insurance

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