Money Worries
We know that circumstances can change at any time and with factors such as rising bills, illness, job loss or other life events, it’s natural to worry about money. No matter your situation, you’re not alone.
How we can support you
If you’re worried that you may have difficulty making your payments now or in the future, we may be able to offer you support. Choose a product below to see what support we may be able to offer you.
Independent help and advice
Whilst we’ll do what we can to support you, there are a number of organisations that can offer you impartial debt help and advice. Below are some trusted organisations who have trained and experienced advisers who can:
- check if you’re eligible for any benefits or entitlements
- discuss different ways to deal with your debts
- speak to your lenders so you don’t have to
- give advice on housing issues
- help with physical and mental health
Personal customers
Struggling to make payments?
If you’re finding it hard to pay your day-to-day bills or struggling to stay within your overdraft limit, we can help. The sooner you get in touch the sooner we can help you. Our teams of friendly experts can talk through your situation to help us understand your financial circumstances and explore practical solutions.
This could include:
- A repayment arrangement to clear the outstanding overdraft balance
- Agreeing time to allow you to get independent financial advice
- Freezing interest and charges
Call us on 0800 917 5719*. Phone lines are open Monday to Friday, 9am to 5pm.
Calls to 0800 numbers are free from all consumer landlines and mobiles. We’re closed on bank holidays.
Make a budget
Use a budget tool like MoneyHelper online budget planner to get on top of spending or check out Managing your Money.
Change payment dates
Make sure that regular payments like direct debits or standing orders go out just after you have money coming into your account. This way you are less likely to have payment refused because of lack of funds.
Make sure we have your mobile number
For free text alerts, please make sure we have your most up-to-date mobile number. You can update it on our mobile app or on 365 online.
Need help managing day-to-day spending?
You can pay bills, transfer money and do your day-to-day banking online, using our mobile app or by phone, 24 hours a day, 365 days a year.
365 online
365 phone
365 mobile
Business customers
If you’re finding it hard to make your loan repayments or struggling to stay within your overdraft limit, we can help. The sooner you get in touch the sooner we can help you. Our local team of business advisors and your Business Relationship Manager will support in any way they can. We may be able to explore options such as:
- A repayment arrangement to clear the outstanding overdraft balance or arrears balance
- Agreeing time to allow you to get independent financial advice
- Freezing interest and charges
Struggling to make payments?
We will work with you, and your advisors, to develop a plan for clearing your debts in a way you can afford and may be able to find a way to reduce overdraft costs.
Register for online banking
Online Banking gives you instant, 24/7 access to view your accounts, make or receive payments, facilitate transfers between accounts, and much more. This makes it easier to manage your accounts.
We have two online banking options for business customers, giving you the flexibility to choose which option is right for your business.
365 phone and Digital banking
365 phone and Digital banking is a free of charge service and is suitable for Small Limited Companies who need:
- Single user access to online banking
- Make low value payments
Business On Line
If you need greater control and choice in relation to your banking needs, Business On Line may be right for your business. You can:
- Make high value payments (Subject to the daily control limit that you set)
- Pay numerous payees in one go, such as bulk salary payments.
Further support
Financial Wellbeing
