Getting started with Online Banking.


I have an existing account:

To register for our online service with an existing account, just click the ‘Register for online banking' link on our sign in page. You will then need to enter your account details and follow our simple on screen instructions.

I do not have an existing account:

If you don't have any accounts with us, you can register for our service as part of an online product application.

First time signing in

Once you’ve received your username you’ll be ready to start using online banking. To get started just follow the simple steps below:

Step 1:

Go to to sign into online banking.

Step 2:

Enter your username and chosen password.

Step 3:

Choose your memorable information.

You are now ready to use online banking!

If you need a more detailed overview on what you can do with online banking, please see our interactive demo (requires flash).

If you have any problems signing in, or you've lost your new sign in details, just call our helpdesk on 0345 602 0000 (24 hours).

Faster Payments Services

What are the daily payment limit restrictions?

When making payments to other parties from your Online Banking account, your daily payment limit is £25,000. Your payment limit amount can be a combination of the following:

Bill payments
Payments to individuals
New standing orders
Travel Money
The value of any increase in a standing order.

Payment limits are calculated at the time you request a payment and not when the payment actually leaves your account. For example, if you set up a standing order today which is to leave your account on the 2nd of each month, the amount is part of today’s £25,000 limit and not the limit for the 2nd when the payment leaves your account.

Payments over £25,000

If you want to make a payment greater than £25,000, you could:

  • Split the payment over two or more days (see payment hours below)
  • Discuss different payment options by calling us on 0345 720 3040. If you're calling from abroad, you can call us on +44 (0)113 242 1984
  • Visit your local branch.

What hours apply to the daily payment limit?

The daily payment limit is based on the following operational hours:

Start Time
End Time
Sunday - Monday 12:00pm Sunday 9:59pm Monday £25,000*
Tuesday 10:00pm Monday 9:59pm Tuesday £25,000*
Wednesday 10:00pm Tuesday 9:59pm Wednesday £25,000*
Thursday 10:00pm Wednesday 9:59pm Thursday £25,000*
Friday 10:00pm Thursday 9:59pm Friday £25,000*
Saturday - Sunday 10:00pm Friday 11:59am Sunday £25,000*

* The limit for Expresscash account holders is £300.

Bank Holiday payment limits

On bank holidays, the £25,000 payment limit will be combined with the following day’s limit. For example:

  • On a bank holiday Monday, the payment limit will be combined with Tuesday’s limit (12:00pm Sunday to 9:59pm Tuesday)
  • On Good Friday, the payment limit will be combined with Saturday’s limit (10:00pm Thursday to 11:59am Sunday).

Are all payments sent by Faster Payments Service?

All payments will be sent using Faster Payments Service and will leave the account immediately. In most cases the cleared money will be available on the recipient's bank account within 2 hours, but it can sometimes take up to close of business the next working day.

The bank account that you are sending the money to will need to be able to accept Faster Payments. You can check if the sort code accepts Faster Payments by using the sort code checker tool on the Payments UK website.

What about regular payments I receive from other people, will they be faster?

Regular payments you receive from other people will be faster, provided the sending bank is part of the Faster Payments Service and can send Faster Payments.

How long does it take to transfer money between my accounts?

Transfers made between your own personal accounts will be made right away or you can choose a future date.

How is my payment processed?

Find out more about how payments are processed for Standing Orders, Direct Debits, Cheques and Future Dated Payments.

What if I have made a payment to the wrong account?

If you have made a payment to the wrong account details, or if you have made a payment using incorrect account information, please check if the payment has been returned to your account. If so, please resend the payment with the correct details. If the money hasn’t been returned and you know the beneficiary, the easiest and quickest way to recover the payment is to contact them directly. If however you don't know them or do not want to make direct contact, contact us directly on 0345 720 3040 and we will try and recover the funds for you.

Please be aware that if the account details for your recipient were incorrect when you set up the payment, we may not be able to help you and you will need to contact the bank you made the payment to.

Please call our Helpdesk on 0345 720 3040 (+44 113 242 1984 from overseas), 24 hours a day, 7 days a week.

The Payment Services Directive and the Payment Services Regulations 2009

What are the Payment Services Directive and the Payment Services Regulations 2009?

The Payment Services Directive is a European Union legislation which supports a Single European Payment Area (SEPA). This means that cross-border euro payments can be made as efficiently as within national borders. The legislation has been implemented in the UK by the Payment Services Regulations 2009.

What do the Payment Services Regulations 2009 mean to me?

The majority of payments you send from the 7th November 2011 will arrive by the next working day, where as previously, payments often took up to 4 days. Some payments will remain unaffected. These include those executed wholly in cash, cheques and other paper based transactions such as banker’s drafts. For more information you can also visit the FCA's website.

Who are the SEPA member states?

The Payment Services Directive (PSD) covers all payment accounts within the Single European Payments Area (SEPA). SEPA consists of those countries who are members of the European Economic Area plus Monaco and Switzerland.