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.

TSB
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Bank accounts

Ranked 19th of 30 providers reviewed.

Customer happiness 59%
Customer trust 47%
Complaints performance 39%
Transparency rating 83%
Fairer Finance score
Reviewed Spring 2019
57%

Credit cards

Ranked 27th of 34 providers reviewed.

Customer happiness 59%
Customer trust 51%
Complaints performance 39%
Transparency rating 47%
Fairer Finance score
Reviewed Spring 2019
49%

Mortgages

Ranked 21st of 23 providers reviewed.

Customer happiness 59%
Customer trust 48%
Complaints performance 58%
Transparency rating 30%
Fairer Finance score
Reviewed Spring 2019
49%

Personal loans

Ranked 24th of 24 providers reviewed.

Customer happiness 45%
Customer trust 32%
Complaints performance 39%
Transparency rating 48%
Fairer Finance score
Reviewed Spring 2019
41%

Savings accounts

Ranked 29th of 42 providers reviewed.

Customer happiness 57%
Customer trust 55%
Complaints performance 39%
Transparency rating 74%
Fairer Finance score
Reviewed Spring 2019
56%
Gold ribbon: first place

Travel insurance

Ranked 9th of 59 providers reviewed.

Customer happiness 63%
Customer trust 57%
Complaints performance 70%
Transparency rating 42%
Fairer Finance score
Reviewed Spring 2019
58%

Credit cards

0% balance transfers

TSB

Platinum 20 month Purchase Card

2 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 20 or 15 or 10
Representative APR i 19.90%
Risk based? i
Representative balance transfer rate i 1.53%

0% purchases

TSB

Platinum 20 month Purchase Card

3 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 20 or 15 or 10
Representative APR i 19.90%
Risk based? i
Representative purchase rate i 1.53%
Number of days before interest is charged on purchases i 56 days

Foreign use

TSB

Platinum 20 month Purchase Card

2 stars
Representative APR i 19.90%
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 1.53%

TSB

Student

2 stars
Representative APR i 19.90%
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 1.53%

Low rate

TSB

Student

4 stars
Representative APR i 19.90%
Representative cash transaction rate i 1.53%
Representative purchase rate i 1.53%
Risk based? i
Representative balance transfer rate i 1.53%
Representative money transfer rate i

Home insurance

TSB

Pick and Protect Home Insurance (Contents Cover)

5 stars
Escape of water excess i £0
Matching sets i
Theft from outbuildings i £5,000
24hr helpline i
Alternative accommodation i £100,000
Cover for keys/locks if lost i Sum insured
Money in the home i £500
New for old i

TSB

Pick and Protect Home Insurance (Starter Contents Cover)

3 stars
Escape of water excess i £0
Matching sets i
Theft from outbuildings i £2,000
24hr helpline i
Alternative accommodation i £100,000
Cover for keys/locks if lost i Sum insured
Money in the home i £250
New for old i

Buildings insurance

TSB

Pick and Protect Home Insurance (Starter Contents Cover)

5 stars
Trace & access i £5,000
Matching sets i £10,000
Cover for keys/locks if lost i Sum insured
Compulsory excess i £0
Escape of water excess i £0
Alternative accommodation cover limit i £100,000
Cover for keys/locks if stolen i Sum insured
Property owner liability i £2,000,000
24hr helpline i

TSB

Pick and Protect Home Insurance (Contents Cover)

5 stars
Trace & access i £5,000
Matching sets i £10,000
Cover for keys/locks if lost i Sum insured
Compulsory excess i £0
Escape of water excess i £0
Alternative accommodation cover limit i £100,000
Cover for keys/locks if stolen i Sum insured
Property owner liability i £2,000,000
24hr helpline i

Contents insurance

TSB

Pick and Protect Home Insurance (Contents Cover)

5 stars
Theft from outbuildings i £5,000
Matching sets i
Cover for keys/locks if lost i Sum insured
Cycles included whilst in the home i Part of sum insured
New for old i
Alternative accomodation i £20,000
Money in the home i £500
Cover for keys/locks if stolen i Sum insured
24hr helpline i

TSB

Pick and Protect Home Insurance (Starter Contents Cover)

3 stars
Theft from outbuildings i £2,000
Matching sets i
Cover for keys/locks if lost i £1,000
Cycles included whilst in the home i Part of sum insured
New for old i
Alternative accomodation i £0
Money in the home i £250
Cover for keys/locks if stolen i £1,000
24hr helpline i

Travel insurance

Single trip insurance

TSB

Pick and Protect

2 stars
Medical excess i £50
Cancelling before travel i £5,000
Personal possessions and baggage - damaged, lost or stolen i £0
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Missed departure i £1,000
Abandoning your trip i £5,000
Lost or stolen cash i £400
Combined passport & travel i £750

Winter sports add-on

TSB

Pick and Protect

3 stars
Ski equipment owned i £500
Single item limit for owned equipment i £500
Hiring replacement winter sports equipment i £200
Ski equipment owned excess i £50
Ski equipment hired i £400
Single item limit for hired equipment i £400
Avalanche closure i £200
Piste closure i £300
Unused ski pass due to illness or injury i £300