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How can we help?

Straight answers on borrowing, cards and accounts. Still stuck? Contact us.

Frequently asked questions

Will checking eligibility affect my credit score?

No. Eligibility checks are soft searches and leave no mark. Only a full application, which you explicitly confirm, records a hard search.

How fast will I get the money?

Most personal loans pay out shortly after you sign. Mortgages typically complete in 4–8 weeks depending on valuation and solicitors.

What documents do I need to apply?

Photo ID, proof of address from the last 3 months and your last 3 months of income. Self-employed applicants add one year of accounts or tax returns.

Can I overpay or settle early?

Yes. Personal loans have no early-settlement fee. Mortgages allow 10% overpayment per year without charge.

My card is lost — what should I do?

Freeze it instantly in the app, then order a replacement — free, arriving in 3–5 working days. A virtual card keeps you spending meanwhile.

Are my deposits protected?

Yes. Your money is held in safeguarded accounts with daily reconciliation, and every account includes instant card freezing plus 24/7 fraud monitoring.

Can I use my card abroad?

Yes, in 40+ countries. Standard cards keep weekday markups low; Premium adds free ATM withdrawals abroad.

How do I open an account?

Online in about ten minutes with ID and a selfie check, or in any branch with two forms of ID. No minimum deposit.

Guides

Learn the basics

What APR really means

Read the true cost of borrowing in two minutes, with a worked example.

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Improve your credit score

Five habits that lift your score before you apply — and lower your rate.

Read guide →

Budgeting on one income

A simple three-pot method that survives real life, with a free worksheet.

Read guide →