Some features depend on the accounts you hold. Business approval chains, bulk payables and the treasury terminal sit on business plans rather than personal accounts.
Your accounts
One view of everything you hold with us, refreshed as transactions land rather than overnight.
- Balances
- Available and cleared balance shown separately, so a pending card authorisation never looks like money you can spend twice.
- Transactions
- Searchable by amount, date, merchant and reference. Every entry expands to show the merchant, location and status.
- Statements
- Downloadable as PDF or CSV for any period, not only calendar months.
- Nicknames
- Rename accounts to what they are for. It is the single fastest way to stop paying the wrong thing from the wrong place.
- Joint and multiple accounts
- Switch between accounts you hold alone and accounts you hold with someone else, without signing out.
Moving money
Every payment type sits in one place, with the cut-off time shown before you confirm rather than discovered afterwards.
- Transfers between your own accounts, immediate at any hour.
- Payments to someone else, domestic or international.
- Standing orders and scheduled payments, with the next date always visible.
- Direct debits, listed with the amount and the collector so you can spot the ones you forgot about.
- Saved beneficiaries, with a confirmation step whenever details change.
Card controls
Everything here is a switch you hold yourself. None of it needs a phone call, and each change takes effect on the next transaction.
| Control | What it does |
|---|---|
| Freeze | Locks the card instantly without cancelling it. Unfreeze when it turns up. |
| Limits | Your own daily caps for purchases, contactless and cash. |
| Channels | Turn off online, foreign, contactless or cash independently. |
| Merchant blocks | Block categories you never intend to use, such as gambling. |
| View PIN | Retrieve your PIN without a letter in the post. |
| Replace | Order a replacement; the old card dies the moment the new one is activated. |
Spending insight
- Automatic categorisation of spending, with the ability to recategorise anything we get wrong.
- Monthly summaries comparing this month against your own average, not a national one.
- Subscription detection, which surfaces recurring payments you may have stopped using.
- Savings goals with target dates, funded automatically on the day you choose.
- Alerts on low balance, large transactions and unusual activity.
The subscription list is the useful one
Most people find at least one recurring payment they had forgotten. It is the fastest saving available in the whole platform.
Applications and admin
- Apply for a loan, a card or vehicle finance without leaving the platform.
- Track an application status, and see exactly which document is holding it up.
- Upload identity and address documents securely instead of emailing them.
- Update your personal details, with verification on the ones that matter.
- Raise a support ticket and see every reply in one thread.
Documents you may also need
Ways to Move Money
Every transfer type on the platform: which to use, what it costs, how long it takes, and what to do when one goes wrong.
Online BankingSecurity & Access
How your account is protected, what we will never ask you for, and the handful of settings that do most of the work.
Online BankingBanking on Your Phone
How to get the app, or install the web app to your home screen in ten seconds — and what works differently on a phone.
This document was last updated on 1 August 2026. We publish the current version here at all times; superseded versions are available on request.
If anything on this page is unclear, write to us and we will explain it.