Individual Online Banking

Manage your accounts smartly and securely. Check your account balances, create payments, transfers, standing orders, view your statements and much more.

Activate online banking
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Introduction to Individual Online Banking

Watch a quick overview of everything you can online.

What Individual Online Banking offers

  • Paperless statements

    Set up digital account statements in both Individual Online Banking and the Individual Banking app.

  • Secure communication

    Send your branch direct, confidential messages on any aspect of your accounts or relationship with us.

  • Mobile banking

    Once you're registered for Individual Online Banking, sign up for the mobile banking app to manage your money on the go.
    Learn more about the Individual Banking app

  • Manage regular payments

    View and manage standing orders and Direct Debits.

  • Manage your cards

    View all active cards on your accounts. Activate new cards as soon as they arrive, freeze any you misplace and unfreeze them if you find them again. If you have a Charge Card, you can also ask us to raise your limit.

  • Make international and domestic payments

    Transfer money within the UK and abroad.
    Learn more about payments

Getting started

If you're new to online banking you'll need to activate it.
Activate online banking
You can also contact your branch or contact Customer Connect on 0800 470 8000 (+44 20757 88247 from outside the UK) 24 hours a day, seven days a week.

Greater protection when you’re sending money

Tailored anti-fraud guidance in each payment journey and Confirmation of Payee help reassure you that you're sending money to the right account holder.
Learn more about Confirmation of Payee
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Digital ID

A secure and easy way to log in to Individual Online Banking.

For seamless access to online banking without needing to use your log-on card and QR reader.

Digital ID app
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FAQs

  • Can I apply for an account online?

    Our relationship led approach means new accounts are opened through your branch. If you would like to open a new account, please speak to your Relationship Manager who will be happy to help.

    Find your branch
  • What are the different balances shown in Individual Online Banking?

    Account Balance - this is how much money you have in your account before any pending transactions are processed and includes uncleared cheques paid in. 

    Available Balance - this balance is your most up to date balance and includes any pending transactions you may have outstanding.

  • How do you keep me safe when I’m using online banking?

    We take your online security seriously and work hard to stay one step ahead of fraudsters.

    We conduct regular testing and update our systems.

    This is why you must use the card reader or Digital ID every time you log into Individual Online Banking.

    How you can protect yourself too