Also known as: TSB
TSB Bank plc is a UK retail bank that focuses primarily on personal banking. It was separated from Lloyds Banking Group in 2013 and is now owned by Sabadell, a Spanish bank. TSB positions itself as a straightforward, local banking option.
TSB offers current accounts, savings accounts, mortgages, personal loans, and credit cards. It serves millions of personal customers across the UK. The bank has a branch presence in many towns and cities, as well as a mobile app and online banking service.
TSB has experienced some well-publicised difficulties in the past, most notably a major IT migration problem in 2018 that affected customers' access to their accounts for a number of weeks. Since then, the bank has invested significantly in its technology and customer service.
If you hold a product with TSB and need to contact them, their customer service number and branch finder are available on their website. Their registered address is Henry Duncan House, 120 George Street, Edinburgh, EH2 4LH. TSB Bank plc is authorised by the Prudential Regulation Authority and regulated by both the PRA and the Financial Conduct Authority. Eligible deposits are protected up to £85,000 per person under the Financial Services Compensation Scheme.
If you are struggling with debt or repayments on a TSB product, you should contact the bank's financial difficulties team early. Free debt advice is available from StepChange on 0800 138 1111 or National Debtline on 0808 808 4000, both of which are free and confidential.
Quick summary
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These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from TSB Bank plc’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Personal current accounts; savings accounts; mortgages; personal loans; credit cards; business banking
Trading names and group notes
Ownership: Spun off from Lloyds TSB 2013; acquired by Banco Sabadell 2015; acquired by Santander UK plc 30 April 2026 (£2.65bn). Part VII transfer into Santander UK plc expected H1 2027. Post-acquisition TSB joins Santander to create UK's third-largest high-street bank. Registered in Scotland (SC095237). Note: prior instruction indicated April 2026 acquisition — confirmed completed 30 April 2026 per official press releases.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
3.9
27669 reviews
App Store
4.6
Google Play
4.4
Other review sources
Smart Money People: 3.9/5; Which? Customer Score: 62%; FSCS protected deposits up to £85,000; TSB subject to FCA enforcement action following 2018 IT migration crisis
Overall public sentiment
Above average on Trustpilot (3.9/5, Great). Customers broadly positive about branch service and app. Santander acquisition completed April 2026 — some customer uncertainty noted in recent reviews. Strong review count (27,669) indicates broad engagement.
Review sources
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Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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