{"data":{"wpgraphql":{"faqs":{"nodes":[{"id":"ZmFxOjE3MzM5","faqId":17339,"menuOrder":1,"title":"What happens at the end of the fixed term?","content":"

We’ll get in touch a few weeks before your fixed term comes to an end (‘maturity’) to let you know your options and ask for your instructions.

\n

You can give us – and amend – your maturity instructions through our online savings portal up to 2 working days before your account matures.

\n

To let us know what you’d like to do at maturity, or change your previous instructions, simply:

\n\n

From there, you can:

\n\n

Interest will be paid to either your nominated account or reinvested account, based on the instruction you provided when opening the account. Your balance will be adjusted accordingly.

\n

If you need some support while doing this, send us a secure message while you’re logged in, or get in touch.

\n

If we don’t hear from you, we’ll move your balance into our maturity easy access account to keep it protected while you decide what to do.

\n","faqCategories":{"nodes":[{"slug":"new-fixed-rate-faqs"}]},"childFaqs":{"nodes":[]}},{"id":"ZmFxOjM5Mg==","faqId":392,"menuOrder":1,"title":"Opening a personal savings account","content":null,"faqCategories":{"nodes":[{"slug":"personal-savings"}]},"childFaqs":{"nodes":[{"id":"ZmFxOjM5NA==","faqId":394,"menuOrder":1,"title":"Can I open an account?","content":"

You need to be aged 18 or over and a resident in the United Kingdom to open a savings account with us.

\n

You can also open a joint account with another person.

\n

Apply online using the ‘Open an account’ button.

\n

Existing customers can apply for extra accounts in just a few clicks when logged into our online savings portal.

\n","faqCategories":{"nodes":[{"slug":"customer-survey-faqs"},{"slug":"personal-savings"}]}},{"id":"ZmFxOjM5NQ==","faqId":395,"menuOrder":2,"title":"I am not yet a customer. How do I open an account?","content":"

Great. Once you’ve found the account that’s right for you, open an account online by clicking the the ‘Open an account’ button.

\n","faqCategories":{"nodes":[{"slug":"customer-survey-faqs"},{"slug":"personal-savings"}]}},{"id":"ZmFxOjM5OQ==","faqId":399,"menuOrder":4,"title":"What checks do you do before I can open an account?","content":"

As a responsible bank we need to be confident in knowing who our customers are. We check your address and identity using various electronic databases.

\n

If we’re unable to verify you in this way, we’ll get in touch and may ask you for some documents to help us complete our checks. Read what verification documents we may ask for. You can send clear photos or photocopies of these to us by email at kyc@htb.co.uk. Please don’t send us originals. You’ll need to send these within 14 days of applying for your account, otherwise we’ll cancel the application.

\n","faqCategories":{"nodes":[{"slug":"customer-survey-faqs"},{"slug":"personal-savings"}]}},{"id":"ZmFxOjM5OA==","faqId":398,"menuOrder":5,"title":"How quickly will you open my account?","content":"

If you apply online we’ll open your account and provide confirmation as soon as you submit your application. We will also tell you if we need any further information from you.

\n

We’ll get in touch to confirm your new account details and any further information we require.

\n","faqCategories":{"nodes":[{"slug":"customer-survey-faqs"},{"slug":"personal-savings"}]}},{"id":"ZmFxOjQwMQ==","faqId":401,"menuOrder":6,"title":"How do I pay money into my account?","content":"

You can pay money into your account by sending an electronic payment (Faster Payment or CHAPS) to your Hampshire Trust Bank sort code and account number, which we will tell you once we have opened your account. If you open your account online we will provide your sort code and account number at the end of the application. However you apply, we will write to you to confirm your sort code and account number as soon as we have opened your account.

\n

You’ll need to make at least one payment within the first 14 days of the date you applied for the account to keep it open.

\n

You can also pay money into your account by cheque. We will usually bank your cheque on the working day that we receive it. You should make the cheque payable to yourself and send it to us at our freepost address:

\n

Freepost RTXE-RYYB-AYZY
\nHampshire Trust Bank (Savings)
\nPO Box 74003
\nLondon EC2P 2QR.

\n

If you are opening an easy access or notice account you can send as many payments as often as you like.

\n

If you are opening a fixed rate bond you can send as many payments as you like within 14 days of the date you applied for the account.

\n","faqCategories":{"nodes":[{"slug":"customer-survey-faqs"},{"slug":"personal-savings"}]}},{"id":"ZmFxOjcwNTM=","faqId":7053,"menuOrder":7,"title":"How do I pay funds into my account?","content":"

We will only accept payments into your account made from your Nominated Account.

\n

You can make a payment into your account by cheque, we will usually bank your cheque on the working day that we receive it. You will start to earn interest on the second working day after it is deposited. (Full information is in our T&C’s).

\n

Or you make a payment into your account by electronic payment and we will apply it to your account on the day we receive it. If we receive it after 1pm, we will apply it your account on the next working day. You will earn interest from the date it is applied.

\n","faqCategories":{"nodes":[{"slug":"customer-survey-faqs"},{"slug":"personal-savings"}]}},{"id":"ZmFxOjcwNTY=","faqId":7056,"menuOrder":8,"title":"Why am I getting an error message when sending money to my account?","content":"

A new security measure has been introduced by the big clearing banks, but at the moment it does not check accounts held outside the big banks, and that is why you are seeing the warning message.

\n

It is nothing to worry about and you have done the right thing by checking with us.  To offer some comfort you can visit the Financial Services register where they can check we’re a bona fide bank.  You can also visit the Faster Payments sort code checker to confirm that the sort code we have given them is registered with Hampshire Trust Bank.

\n","faqCategories":{"nodes":[{"slug":"customer-survey-faqs"},{"slug":"personal-savings"}]}},{"id":"ZmFxOjQwNA==","faqId":404,"menuOrder":10,"title":"If I change my mind, can I cancel my account after it has been opened?","content":"

Yes, you can cancel any account with us within the first 14 days after the opening date. This is the date on your account opening confirmation letter. You can do this by calling us on 020 7862 6222 during business hours.

\n

If you have already paid money into your account we will return this to you, along with any interest you have earned, when you tell us you would like to cancel it.

\n","faqCategories":{"nodes":[{"slug":"customer-survey-faqs"},{"slug":"personal-savings"}]}},{"id":"ZmFxOjM5Ng==","faqId":396,"menuOrder":11,"title":"I am already a customer, how do I open an additional account?","content":"

To open an additional account simply log in to our online savings portal. You’ll be able to see all our available accounts and apply in just a few clicks.

\n","faqCategories":{"nodes":[{"slug":"customer-survey-faqs"},{"slug":"personal-savings"}]}},{"id":"ZmFxOjcwNjY=","faqId":7066,"menuOrder":12,"title":"Can I extend the 14 day funding window?","content":"

No if you don’t fund your account within 14 days it will automatically close.

\n","faqCategories":{"nodes":[{"slug":"customer-survey-faqs"},{"slug":"personal-savings"}]}},{"id":"ZmFxOjQwMw==","faqId":403,"menuOrder":13,"title":"When will I start to earn interest on my money?","content":"

If we receive your payment before 1pm on a working day you will start earning interest the same day. Should we receive your payment after 1pm on a working day or on a non-working day you will start earning interest the next working day.

\n

If you send us a deposit by cheque you’ll start to earn interest on the second working day after we receive it.

\n","faqCategories":{"nodes":[{"slug":"customer-survey-faqs"},{"slug":"personal-savings"}]}},{"id":"ZmFxOjcwNjg=","faqId":7068,"menuOrder":14,"title":"What is your sort code?","content":"

Our sort code is 23 62 47.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjcwNTg=","faqId":7058,"menuOrder":15,"title":"Can I send a cheque?","content":"

Yes you can make payments into your account by cheque.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjcwNjA=","faqId":7060,"menuOrder":16,"title":"Who do I make the cheque payable to?","content":"

Please make the cheque payable to yourself.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjQwMA==","faqId":400,"menuOrder":17,"title":"What is a nominated account?","content":"

When you apply we will ask you to give us a nominated account, which must be a current account you hold with a UK bank. If you are applying for a joint account your nominated account can be in both or either of your names.

\n

We will check the nominated account details you give us and occasionally we may need you to provide evidence that you are the account holder, such as a copy of your bank statement showing the account number, sort code and your name.

\n

All payments you make into your savings account must be made from your nominated account. If we receive an electronic payment from a different account we will return it to the paying account. If we receive a cheque from a different account we will return it to you uncashed.

\n

We will make all withdrawals by electronic payment to your nominated account.

\n","faqCategories":{"nodes":[{"slug":"customer-survey-faqs"},{"slug":"personal-savings"}]}},{"id":"ZmFxOjQwMg==","faqId":402,"menuOrder":18,"title":"Is my money protected under the Financial Services Compensation Scheme?","content":"

Most deposits are protected by the Financial Services Compensation Scheme. Read more information on our FSCS page.

\n","faqCategories":{"nodes":[{"slug":"customer-survey-faqs"},{"slug":"personal-savings"}]}},{"id":"ZmFxOjcwMjQ=","faqId":7024,"menuOrder":19,"title":"Are my deposits placed via a cash management platform or deposit aggregator covered by the FSCS?","content":"

Yes, the same compensation limits are applied if you’ve used an aggregator as for other bank accounts.  Savings marketplace, cash platform, savings service – this new type of financial company (also known as a deposits aggregator) spreads your money across multiple accounts with different banks. If an aggregator deposited your money with a regulated bank, your eligible deposits are protected up to a total of £120,000 per authorised entity.  The FSCS will check and pay these claims as soon as possible, and always within three months.

\n

For any further information please visit the FAQs section at the top of the FSCS web page.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}}]}},{"id":"ZmFxOjEzOTM5","faqId":13939,"menuOrder":2,"title":"General information about our charity savings accounts","content":null,"faqCategories":{"nodes":[{"slug":"charity-savings-general-information"}]},"childFaqs":{"nodes":[{"id":"ZmFxOjEzODg3","faqId":13887,"menuOrder":1,"title":"What is a charity savings account?","content":"

A charity savings account is designed specifically for charities and community-focused groups such as clubs, societies, community groups, churches and other non-profit organisations to save money whilst earning interest. 

\n

Our range of charity savings accounts, includes easy access (sometimes known as instant access), notice and fixed term (sometimes known as bond) savings accounts. Each offers a different level of flexibility, interest rate and access.   

\n","faqCategories":{"nodes":[{"slug":"charity-savings-general-information"}]}},{"id":"ZmFxOjEzODg5","faqId":13889,"menuOrder":2,"title":"Are there any fees or charges on a charity savings account?","content":"

No – we don’t apply fees or charges on our standard charity savings accounts. 

\n

Some more specialist accounts, such as a limited access account, may incur charges which will be detailed in the account’s Summary Box. 

\n","faqCategories":{"nodes":[{"slug":"charity-savings-general-information"}]}},{"id":"ZmFxOjEzODkx","faqId":13891,"menuOrder":3,"title":"Is our money protected under the Financial Services Compensation Scheme (FSCS)?","content":"

Eligible deposits for charities are protected by the Financial Services Compensation Scheme (FSCS). 

\n

If you’re unsure if your organisation is protected, you can read more information on our FSCS page.

\n","faqCategories":{"nodes":[{"slug":"charity-savings-general-information"}]}},{"id":"ZmFxOjEzODkz","faqId":13893,"menuOrder":4,"title":"Is there a limit to the amount we can invest into a charity savings account?","content":"

Our charity savings accounts have a minimum balance of between £5,000 and £20,000 – the specific amount will be made clear when you open the account and in the Summary Box.   

\n

You may invest up to £750,000 in a single account and up to £1,000,000 in total with us. Some accounts may allow higher balances, and this will be detailed in the Summary Box.

\n","faqCategories":{"nodes":[{"slug":"charity-savings-general-information"}]}},{"id":"ZmFxOjEzODk1","faqId":13895,"menuOrder":5,"title":"Do I pay tax on interest earned from a charity savings account?","content":"

In most cases, it’s unlikely a registered charity would need to pay tax on interest earned, provided the funds are used for charitable purposes. Charities may be eligible to reclaim tax deducted on interest earned, subject to applicable regulations. 

\n

We’ll upload a statement with the interest earned for the previous tax year to our online portal, which you can include in your tax filing. Get in touch if you need this another way. 

\n

The way your savings are taxed depends on your personal circumstances. We don’t provide tax advice and tax rules may change in the future.

\n","faqCategories":{"nodes":[{"slug":"charity-savings-general-information"}]}},{"id":"ZmFxOjEzODk3","faqId":13897,"menuOrder":6,"title":"How do I open a charity savings account?","content":"

It’s quick and easy and can be completed entirely online in around 10 minutes. 

\n

Once this is complete, as part of our ongoing compliance procedures, we will conduct a review.

\n

To help us complete the review, we may ask for some of the following: 

\n\n","faqCategories":{"nodes":[{"slug":"charity-savings-general-information"}]}},{"id":"ZmFxOjEzODk5","faqId":13899,"menuOrder":7,"title":"Am I eligible for a charity savings account?","content":"

Our savings accounts are designed for UK-based organisations with under 250 employees:  

\n\n","faqCategories":{"nodes":[{"slug":"charity-savings-general-information"}]}},{"id":"ZmFxOjEzOTAx","faqId":13901,"menuOrder":8,"title":"How to manage a charity savings account?","content":"

You can manage your account and message us when logged into our online portal.

\n

If you’ve always managed your account with us in a different way for a specific reason, for example by post, you can keep doing this.

\n","faqCategories":{"nodes":[{"slug":"charity-savings-general-information"}]}}]}},{"id":"ZmFxOjE3MzMx","faqId":17331,"menuOrder":3,"title":"Frequently asked questions (test)","content":"

You can view some of our most commonly asked questions, complete with answers, here.

\n","faqCategories":{"nodes":[{"slug":"new-fixed-rate-faqs"}]},"childFaqs":{"nodes":[]}},{"id":"ZmFxOjE3MzI3","faqId":17327,"menuOrder":4,"title":"Key terms explained (test)","content":"

AER means Annual Equivalent Rate, which illustrates what the interest would be if it was compounded annually. We quote the AER on all of our accounts so that you can compare our products with other banks.

\n

Gross is the interest rate without the deduction of income tax. This is the interest paid on your account.

\n

Variable means that the rate could change across the time that your money is in your account, with given notice.

\n

Notice is the designated number of days that you are requested to give notice before you can access the money in your account.

\n

Fixed rate means the rate won’t change during the term.

\n","faqCategories":{"nodes":[{"slug":"new-fixed-rate-faqs"}]},"childFaqs":{"nodes":[]}},{"id":"ZmFxOjE3MzM0","faqId":17334,"menuOrder":5,"title":"How are deposits protected by the FSCS?","content":"

When you save with us. you have the added peace of mind that comes from knowing your money is protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS), the UK’s deposit guarantee scheme. You can learn more about FSCS protection here.

\n

Any deposits you hold above the FSCS compensation limit are unlikely to be covered, unless under specific circumstances, as determined by the FSCS.

\n","faqCategories":{"nodes":[{"slug":"new-fixed-rate-faqs"}]},"childFaqs":{"nodes":[]}},{"id":"ZmFxOjE3MzQy","faqId":17342,"menuOrder":6,"title":"Viewing our historical rates","content":"

You can view all of our previous rates here.

\n","faqCategories":{"nodes":[{"slug":"new-fixed-rate-faqs"}]},"childFaqs":{"nodes":[]}},{"id":"ZmFxOjExNjg0","faqId":11684,"menuOrder":8,"title":"Will I continue to receive the same FSCS protection under Wesleyan Bank or will my cover be affected?","content":"

The Financial Services Compensation Scheme will continue to provide protection to the depositors of both Wesleyan Bank and Hampshire Trust Bank. There is a separate limit for each bank, so deposits with Wesleyan Bank remain protected up to £120,000 per eligible depositor and deposits with Hampshire Trust Bank are separately protected, also up to £120,000 per eligible depositor.

\n","faqCategories":{"nodes":[{"slug":"wesleyan-bank-limited"}]},"childFaqs":{"nodes":[]}},{"id":"ZmFxOjEzMDM2","faqId":13036,"menuOrder":9,"title":"General information about our business savings accounts","content":null,"faqCategories":{"nodes":[{"slug":"business-savings"}]},"childFaqs":{"nodes":[{"id":"ZmFxOjEzMDM4","faqId":13038,"menuOrder":1,"title":"What is a business savings account?","content":"

A business savings account is designed specifically for businesses to save money whilst earning interest.  

\n

There’s a range of accounts to suit business needs, including easy access (sometimes known as instant access), notice and fixed term accounts. Each offers a different level of flexibility, interest rate and access.  

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjEzMDQw","faqId":13040,"menuOrder":2,"title":"Are there any fees or charges on a business savings account?","content":"

No – we don’t apply fees or charges on our standard business savings accounts.  

\n

Some more specialist accounts, such as a limited access account, may incur charges which will be detailed in the account’s Summary Box. 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjEzMDQy","faqId":13042,"menuOrder":3,"title":"Is my money protected under the Financial Services Compensation Scheme (FSCS)?","content":"

Eligible deposits for businesses are protected by the FSCS.  

\n

If you’re unsure if your organisation is protected, you can read more information on our FSCS page. 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjEzMDQ0","faqId":13044,"menuOrder":4,"title":"Is there a limit to the amount I can invest into a business savings account?","content":"

Our business savings accounts have a minimum balance of between £5,000 and £20,000 – the specific amount will be made clear when you open the account and in the Summary Box.  

\n

You may invest up to £750,000 in a single account and up to £1,000,000 in total with us. Some accounts may allow higher balances, and this will be detailed in the Summary Box. 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjEzMDQ2","faqId":13046,"menuOrder":5,"title":"How do I pay tax on a business savings account?","content":"

Interest earned on a business savings account is taxable. You’ll need to report it on your business’s tax returns. We’ll upload a statement with the interest earned for the previous tax year to our online portal, which you can include in your tax filing. Get in touch if you need this another way. 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjEzMDQ4","faqId":13048,"menuOrder":6,"title":"What is a business savings account issue number?","content":"

An issue number indicates the version of the specific account you’ve chosen to open with us. We continuously update our offering in line with the market, so each new version receives its own issue number to track the rate and terms clearly.  

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}}]}},{"id":"ZmFxOjEzNzI0","faqId":13724,"menuOrder":10,"title":"General information about our customer panel","content":null,"faqCategories":{"nodes":[{"slug":"personal-savings-customer-panel"}]},"childFaqs":{"nodes":[{"id":"ZmFxOjEzNjY1","faqId":13665,"menuOrder":1,"title":"How often will I receive invitations to participate?","content":"

The frequency of invitations will vary depending on the needs of the business. You may receive invitations periodically.

\n","faqCategories":{"nodes":[{"slug":"personal-savings-customer-panel"}]}},{"id":"ZmFxOjEzNjY3","faqId":13667,"menuOrder":2,"title":"Why should I participate?","content":"

You’ll have a direct voice in shaping and improving our savings products and services, helping us understand what we can do better and improve the quality of experience for everyone.  Share your experiences directly with the decision-makers and help us learn. We appreciate your involvement and will always try to reward you for your time.

\n","faqCategories":{"nodes":[{"slug":"personal-savings-customer-panel"}]}},{"id":"ZmFxOjEzNjY5","faqId":13669,"menuOrder":3,"title":"What types of rewards can I earn?","content":"

You can earn Amazon vouchers, cash incentives or entries into prize draws for participating in activities.

\n","faqCategories":{"nodes":[{"slug":"personal-savings-customer-panel"}]}},{"id":"ZmFxOjEzNjcx","faqId":13671,"menuOrder":4,"title":"Will the rewards for each activity be communicated at the point of invitation?","content":"

Yes. The type of reward and value will be shared along with the invite.  This will help you to decide on whether you wish to participate.

\n","faqCategories":{"nodes":[{"slug":"personal-savings-customer-panel"}]}},{"id":"ZmFxOjEzNjcz","faqId":13673,"menuOrder":5,"title":"Do I have to participate in every activity?","content":"

No, participation is voluntary. You can choose the activities that interest you.

\n","faqCategories":{"nodes":[{"slug":"personal-savings-customer-panel"}]}},{"id":"ZmFxOjEzNjc1","faqId":13675,"menuOrder":6,"title":"Will activities require travel?","content":"

In some instances, HTB may be conducting a physical group activity that requires some travel. Travel costs will be covered by HTB in these instances. It is envisaged most activities will be conducted online.

\n","faqCategories":{"nodes":[{"slug":"personal-savings-customer-panel"}]}},{"id":"ZmFxOjEzNjc3","faqId":13677,"menuOrder":7,"title":"How can I opt-out as a member?","content":"

You can opt-out at any time by contacting us at insights@htb.co.uk

\n","faqCategories":{"nodes":[{"slug":"personal-savings-customer-panel"}]}},{"id":"ZmFxOjEzNjc5","faqId":13679,"menuOrder":8,"title":"Who can I contact for support?","content":"

For any questions or assistance, email us at insights@htb.co.uk

\n","faqCategories":{"nodes":[{"slug":"personal-savings-customer-panel"}]}}]}},{"id":"ZmFxOjM1NjY=","faqId":3566,"menuOrder":11,"title":"Opening a business savings account","content":null,"faqCategories":{"nodes":[{"slug":"business-savings"}]},"childFaqs":{"nodes":[{"id":"ZmFxOjMzNjA=","faqId":3360,"menuOrder":1,"title":"Can I open an account?","content":"

Our business savings accounts are designed for UK-based organisations with under 250 employees: 

\n\n

 We also have a specialist deposits service for credit unions (and community banks), pension administrators (SIPP & SSAS) and larger firms over 250 employees. 

\n

 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjEzMDU1","faqId":13055,"menuOrder":2,"title":"How do I open a business savings account?","content":"

It’s quick and easy and can be completed entirely online in around 10 minutes. 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjM1Nzc=","faqId":3577,"menuOrder":3,"title":"How quickly will you open my account?","content":"

We aim to open your account straight away, but if we can’t, we’ll usually let you know what else we need within two business days of receiving your application. We’ll write to you confirming your new account details and any more information we need. 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjM1Nzk=","faqId":3579,"menuOrder":4,"title":"I am already a customer. How do I open an additional account?","content":"

If you already hold an online account, simply login and select ‘apply online’. Select the account you need and then apply.

\n

If you’ve always managed your account with us in a different way, for example by phone, you can keep doing this – please call us during business hours. 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjM1NzU=","faqId":3575,"menuOrder":5,"title":"What checks do you do before I can open an account?","content":"

As a responsible bank we need to be confident in knowing who our customers are. We check your address and identity of owners and signatories using various electronic databases, as well as the registration and status of your firm. 

\n

If we’re unable to verify you in this way, we’ll get in touch and may ask you for some documents to help us complete our checks.  

\n

Read what verification documents we may ask for.  

\n

You can send clear photos or photocopies of these to us by email to kyc@htb.co.uk. Please don’t send us originals. You’ll need to send these within 14 days of applying for your account, otherwise we’ll cancel the application. 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjM1NzM=","faqId":3573,"menuOrder":6,"title":"What is a nominated account?","content":"

When you apply, we’ll ask you to give us a ‘nominated account’ – a current account your organisation has with a UK bank – which you’ll use for all payments to and from your HTB account. 

\n

We’ll check the nominated account details you give us and occasionally we may need you to provide evidence that you are the account holder. 

\n

All payments you make into your savings account must be made from your nominated account. 

\n

If we receive an electronic payment from a different account, we’ll return it to that account. If we receive a cheque from a different account, we’ll return it to you uncashed. 

\n

We’ll make all withdrawals by electronic payment into your nominated account. 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjM1Njc=","faqId":3567,"menuOrder":7,"title":"If I change my mind, can I cancel my account after it has been opened?","content":"

Yes – you can cancel any account with us within the first 14 days after the opening date on your account opening confirmation letter. You can also cancel your account by sending us a secure message when logged in or call us on 020 7862 6220 during business hours. 

\n

If you’ve already paid money into your account, we’ll return this to you, along with any interest you’ve earned, when you tell us you would like to cancel it. 

\n

Some accounts have restrictions after 14 days. For example, you’ll need to give the required notice period for Notice accounts, and Fixed rate accounts cannot be accessed until the end of the term. Refer to the account’s Summary Box for the details of your account. 

\n

It’s important that you understand what these terms are before opening the account, which you’ll be able to view during the application process. 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjEzMDU3","faqId":13057,"menuOrder":8,"title":"Can I choose how my interest is paid?","content":"

Interest is calculated daily once the account’s minimum balance is reached – check the account’s Summary Box for the minimum balance. It’s paid on the anniversary of the date we received your first deposit, and then annually after this – or at the end of the term if that’s sooner. 

\n

If the anniversary falls on a weekend or a bank holiday your interest will be credited on the next working day. 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjM1Njg=","faqId":3568,"menuOrder":9,"title":"When will I start to earn interest on my money?","content":"

If you send us money electronically, such as by Faster Payments, BACS or CHAPS, you’ll start to earn interest on the day we receive it provided this is before 1pm. If we receive it after 1pm you’ll start to earn interest from the next working day. 

\n

If you send us money by cheque, you’ll start to earn interest on the second working day after we receive it. 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjM1Njk=","faqId":3569,"menuOrder":10,"title":"Are my deposits placed via a cash management platform or deposit aggregator covered by the FSCS?","content":"

Yes, eligible deposits with HTB are protected by the UK’s deposit protection scheme, the FSCS. Find out if your organisation is eligible here.  

\n

Your eligible protection limit applies across all accounts you have with us, including those opened by third parties who help manage your money for you, such as savings marketplaces, cash platforms or wealth management services (referred to as deposit aggregators).   

\n

If a deposits aggregator deposited your money with us, any eligible deposits for your organisation are added to those held by us directly or through other aggregators and your FSCS protection with us will apply to this total, not individually to each entity.  In the event we’re unable to service your account, the FSCS will check and pay these claims as soon as possible, and always within three months. 

\n

For any further information please visit the FAQs section at the top of the FSCS page.  

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjcwNDc=","faqId":7047,"menuOrder":12,"title":"Do business accounts have online access","content":"

Yes – once you’ve opened your account, you can manage it online through our online portal. If you need to contact us, the easiest way is by sending us a secure message when logged in.

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjM1NzA=","faqId":3570,"menuOrder":15,"title":"Is there a limit to the amount I can invest?","content":"

To open an account you must be prepared to invest at least £5,000. You may invest up to £750,000 in a single account and up to £1,000,000 in total with us.

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}}]}},{"id":"ZmFxOjM1NTE=","faqId":3551,"menuOrder":12,"title":"Managing your business savings account","content":null,"faqCategories":{"nodes":[{"slug":"business-savings"}]},"childFaqs":{"nodes":[{"id":"ZmFxOjM1NjU=","faqId":3565,"menuOrder":1,"title":"How can I manage my account?","content":"

You can manage your account and message us about it when logged into our online portal, or call us on 020 7862 6220 (Mon-Fri 9am-5pm, excluding bank holidays). 

\n

If you’ve always managed your account with us in a different way for a specific reason, for example by post, you can keep doing this. 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjM1NjM=","faqId":3563,"menuOrder":2,"title":"How can I find out my balance?","content":"

Simply log in to our online portal. 

\n

We’ll also upload an annual statement on the anniversary of account opening. 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjM1NjI=","faqId":3562,"menuOrder":3,"title":"How can I find the interest rate on my account?","content":"

Simply log in to our online portal. 

\n

Your current interest rate, and any changes during the year, will also be shown on your annual statement, which we’ll upload to your online account. 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjM1NTM=","faqId":3553,"menuOrder":6,"title":"What happens when my bond matures?","content":"

We’ll get in touch a few weeks before your fixed term comes to an end (the ‘account maturity’) to let you know your options and ask for your instructions.

\n

Businesses can give us – and amend – your maturity instructions up to 2 working days before your account matures, simply get in touch. If your business is registered for our online portal, you can do this easily when logged in to your account.

\n

And, if we don’t hear from you, we’ll move your balance into our maturity easy access account to keep it protected while you decide what to do.

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjY3MDk=","faqId":6709,"menuOrder":7,"title":"Who do I make the cheque payable to?","content":"

Please make the cheque payable to the business name.

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjM1NjQ=","faqId":3564,"menuOrder":8,"title":"How many signatories are permitted on our mandate?","content":"

You can have up to four people on your mandate. The signing options are any one signatory, any two signatories or any four signatories.

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}}]}},{"id":"ZmFxOjEyNTE4","faqId":12518,"menuOrder":14,"title":"Easy access business savings accounts","content":null,"faqCategories":{"nodes":[{"slug":"business-savings"}]},"childFaqs":{"nodes":[{"id":"ZmFxOjEyNDUw","faqId":12450,"menuOrder":2,"title":"What is an easy access business savings account?","content":"

Easy access business savings accounts offer a good return with the flexibility to top-up and withdraw funds at any time with ease.  

\n

These accounts are ideal if you need immediate access to manage day-to-day expenses and unexpected costs.  

\n

It’s important to check the Summary Box for your account to understand any specific restrictions your account may have. 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjEzMDUz","faqId":13053,"menuOrder":3,"title":"Can the interest rate change on an easy access business savings account?","content":"

The interest rate on our business easy access accounts is variable.  

\n

There are two types of variable rates, ‘managed’ and ‘tracker’. Check your account Summary Box to understand which one it has. 

\n

Managed rates can be changed by us at any time, subject to us giving you notice. 

\n

Tracker rates move up and down in line with the BoE base rate. If the base rate changes, the new interest rate on your account will apply without notice, no more than 5 business days following a change in the base rate. 

\n

Refer to the account’s Summary Box and Terms and Conditions for more information. 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjEyNDYw","faqId":12460,"menuOrder":4,"title":"Are there any fees associated with easy access business savings accounts?","content":"

Our easy access business savings account doesn’t charge fees for withdrawals or account maintenance.  

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjEyNDU0","faqId":12454,"menuOrder":5,"title":"How do I choose the best easy access business savings account?","content":"

Consider factors such as interest rates, withdrawal options, low or no fees, minimum deposit requirements, online banking options, and even customer reviews.

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjEyNDU2","faqId":12456,"menuOrder":6,"title":"Can I open an easy access business savings account online?","content":"

Yes, you can easily open an easy access business savings account online through our website. The process is quick and straightforward.

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}}]}},{"id":"ZmFxOjM1MjQ=","faqId":3524,"menuOrder":15,"title":"Managing your personal savings account","content":null,"faqCategories":{"nodes":[{"slug":"personal-savings"}]},"childFaqs":{"nodes":[{"id":"ZmFxOjY3MDU=","faqId":6705,"menuOrder":null,"title":"What is your sort code?","content":"

Our sort code is 23-62-47.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjY3MDM=","faqId":6703,"menuOrder":null,"title":"Can I extend the 14 day funding window?","content":"

No if you don’t fund your account within 14 days it will automatically close.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjY3MDE=","faqId":6701,"menuOrder":null,"title":"How can I get a statement of my account?","content":"

You can view, search and download your account transactions in our online portal. You can log in here.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjY2OTk=","faqId":6699,"menuOrder":null,"title":"Where do I find my user ID?","content":"

Your User ID can be found on the email we sent you when we opened your account (if you joined us from May 2024).

\n

If you managed your account online before May 2024 and have registered for our new online portal, your User ID will be your email address, so you could try that first.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}}]}},{"id":"ZmFxOjEyNzYz","faqId":12763,"menuOrder":16,"title":"Business savings tracker accounts","content":null,"faqCategories":{"nodes":[{"slug":"business-savings"}]},"childFaqs":{"nodes":[{"id":"ZmFxOjEyNzY1","faqId":12765,"menuOrder":1,"title":"Will my business savings tracker account rate change?","content":"

It can. Tracker interest rates are variable and can be increased or decreased depending on the Bank of England (BoE) base rate. 

\n

We can also adjust the margin to BoE base rate at any time at our sole discretion as outlined in the account Summary Box. 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjEyNzY3","faqId":12767,"menuOrder":2,"title":"What is the margin on my business savings tracker savings account?","content":"

The margin is the percentage below the Bank of England base rate we detail on your Summary Box when you opened your account. This will move in line with the Bank of England Base rate minus the margin. This will move within 5 business days of a base rate change. 

\n

We can change the margin by giving you 14 days’ notice and you can close an easy access account at any time. 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjEyNzY5","faqId":12769,"menuOrder":3,"title":"My business savings account has a high minimum balance, can I make multiple smaller payments?","content":"

Yes, you can make multiple payments into your account. You do not earn interest until the minimum balance is reached, after which the whole balance will earn interest. 

\n

For example, if the minimum balance is £20,000, you could make payments of £10,000 and £7,000 – we’ll accept the payments onto your account and they would not be earning interest yet. Make an additional payment of at least £3,000 and you’ll start earning interest on the whole balance. 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}}]}},{"id":"ZmFxOjExNjcw","faqId":11670,"menuOrder":17,"title":"General questions","content":null,"faqCategories":{"nodes":[{"slug":"wesleyan-bank-limited"}]},"childFaqs":{"nodes":[{"id":"ZmFxOjExNjcy","faqId":11672,"menuOrder":1,"title":"Why has HTB bought Wesleyan Bank?","content":"

The acquisition of Wesleyan Bank by HTB brings additional scale to the combined group, creating a bigger, better organisation with better outcomes for our customers.

\n","faqCategories":{"nodes":[{"slug":"wesleyan-bank-limited"}]}},{"id":"ZmFxOjExNjc0","faqId":11674,"menuOrder":2,"title":"Why has Wesleyan Group sold Wesleyan Bank?","content":"

Following an in-depth review Wesleyan found that the opportunities that lie ahead for Wesleyan Bank sit predominantly outside of their specialist customer groups which is why they agreed the sale to the HTB Group, enabling both businesses to grow as part of a larger banking entity.

\n

For Wesleyan, the sale will help to further enhance the products and services they offer to doctors, dentists and teachers, while delivering long-term value for their members.

\n","faqCategories":{"nodes":[{"slug":"wesleyan-bank-limited"}]}},{"id":"ZmFxOjExNjc2","faqId":11676,"menuOrder":3,"title":"Who is Hampshire Trust Bank?","content":"

HTB is a leading UK specialist bank based in the City of London, which helps small and medium sized enterprises realise their ambitions through a range of property and business funding solutions. We also provide award-winning savings accounts to both individuals and businesses.

\n","faqCategories":{"nodes":[{"slug":"wesleyan-bank-limited"}]}},{"id":"ZmFxOjExNjc4","faqId":11678,"menuOrder":4,"title":"Does this impact the other products I have with Wesleyan Group?","content":"

Customers of Wesleyan Assurance Society, Wesleyan Financial Services, Wesleyan Unit Trust Managers and Practice Plan / DPAS are unaffected by this change. You can continue to liaise with your Specialist Financial Adviser or Relationship Manager as you do today.

\n","faqCategories":{"nodes":[{"slug":"wesleyan-bank-limited"}]}},{"id":"ZmFxOjExNjgw","faqId":11680,"menuOrder":5,"title":"Who should I contact if I have any further questions?","content":"

Our contact details have not changed and can be found here. If you have an online savings account you can continue to manage it in the usual way by logging on here.

\n","faqCategories":{"nodes":[{"slug":"wesleyan-bank-limited"}]}}]}},{"id":"ZmFxOjExNDE5","faqId":11419,"menuOrder":18,"title":"General:","content":null,"faqCategories":{"nodes":[{"slug":"sippssas"}]},"childFaqs":{"nodes":[{"id":"ZmFxOjExMjk1","faqId":11295,"menuOrder":1,"title":"Are pension funds protected by your FSCS protection?","content":"

Pension providers typically spread cash across a number of carefully selected banks, each of which will likely be separately covered under the FSCS. Any eligible deposits held with us by eligible SIPP or SSAS operators will likely be covered by the FSCS up to the current £120,000 limit – speak to your pension administrator directly if you have any questions about this.

\n","faqCategories":{"nodes":[{"slug":"sippssas"}]}},{"id":"ZmFxOjExMjkz","faqId":11293,"menuOrder":2,"title":"Can I withdraw cash from my SIPP or SSAS at any time?","content":"

Deposits are kept in cash by us and availability will be dependant on the accounts you have with us. Please contact your specialist to find out more about your specific account. 

\n","faqCategories":{"nodes":[{"slug":"sippssas"}]}},{"id":"ZmFxOjExMjkx","faqId":11291,"menuOrder":3,"title":"I have a pension, can I open a pension account with you directly?","content":"

Our pension savings accounts are not for individuals, and must be opened through the operators or administrators of the pension fund. SIPP and SSAS can be complicated products to understand so we suggest you seek independent financial advice before making any decisions.

\n","faqCategories":{"nodes":[{"slug":"sippssas"}]}}]}},{"id":"ZmFxOjIwMTU=","faqId":2015,"menuOrder":19,"title":"ISA business savings accounts","content":null,"faqCategories":{"nodes":[{"slug":"business-savings"}]},"childFaqs":{"nodes":[{"id":"ZmFxOjIwMTM=","faqId":2013,"menuOrder":1,"title":"What is an business ISA?","content":"

ISA stands for Individual Savings Account. The main difference between an ISA and any other savings account is that it offers tax-free interest payments, so you could get more for your money. There is a limit to how much money you can put into an ISA in each tax year, which is called the ‘ISA allowance’.

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjM1MzE=","faqId":3531,"menuOrder":5,"title":"What type of business ISA does HTB offer?","content":"

HTB will only offer a Cash ISA.

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}}]}},{"id":"ZmFxOjEzMjcw","faqId":13270,"menuOrder":20,"title":"Business savings account withdrawals","content":null,"faqCategories":{"nodes":[{"slug":"business-savings"}]},"childFaqs":{"nodes":[{"id":"ZmFxOjEzMjY4","faqId":13268,"menuOrder":null,"title":"How do I withdraw money from my easy access business savings account?","content":"

You can make a withdrawal from your easy access account when logged in online.   

\n

Withdrawals requested before 1pm on a working day will be paid the same day. For anything requested after 1pm this will be paid the next working day. 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjM1NTY=","faqId":3556,"menuOrder":4,"title":"How do I withdraw money from my notice account?","content":"

You can make unlimited withdrawals on a notice account, subject to your notice period. You can schedule these or send us a secure message when logged in. 

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}},{"id":"ZmFxOjM1NTU=","faqId":3555,"menuOrder":5,"title":"How do I withdraw money from my bond?","content":"

As it’s a fixed term, you can only withdraw your money at the end of the term (known as the accounts’ ‘maturity’ date). 

\n

We’ll get in touch before maturity and remind you of the date that your fixed term ends, detailing your options and asking for your maturity instructions. You can ask us to reinvest some, or all of it, into new accounts or return it to your nominated account.  

\n","faqCategories":{"nodes":[{"slug":"business-savings"}]}}]}},{"id":"ZmFxOjEyNzEw","faqId":12710,"menuOrder":22,"title":"Tracker savings accounts","content":null,"faqCategories":{"nodes":[{"slug":"personal-savings"}]},"childFaqs":{"nodes":[{"id":"ZmFxOjEyNzEy","faqId":12712,"menuOrder":1,"title":"Will my tracker savings account rate change?","content":"

It can. Tracker interest rates are variable and can be increased or decreased depending on the Bank of England (BoE) base rate. 

\n

We can also adjust the margin to BoE base rate at any time at our sole discretion as outlined in the account Summary Box. 

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjEyNzE0","faqId":12714,"menuOrder":2,"title":"What is the margin on my tracker savings account?","content":"

The margin is the percentage below the Bank of England base rate we detail on your Summary Box when you opened your account. This will move in line with the Bank of England Base rate minus the margin. This will move within 5 business days of a base rate change. 

\n

We can change the margin by giving you 14 days’ notice and you can close an easy access account at any time. 

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjEyNzE2","faqId":12716,"menuOrder":3,"title":"My account has a high minimum balance, can I make multiple smaller payments?","content":"

Yes, you can make multiple payments into your account. You do not earn interest until the minimum balance is reached, after which the whole balance will earn interest. 

\n

For example, if the minimum balance is £20,000, you could make payments of £10,000 and £7,000 – we’ll accept the payments onto your account and they would not be earning interest yet. Make an additional payment of at least £3,000 and you’ll start earning interest on the whole balance. 

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}}]}},{"id":"ZmFxOjExNDE2","faqId":11416,"menuOrder":23,"title":"General:","content":null,"faqCategories":{"nodes":[{"slug":"credit-unions"}]},"childFaqs":{"nodes":[{"id":"ZmFxOjExMjg4","faqId":11288,"menuOrder":1,"title":"Can I open more than one account?","content":"

Of course. In fact, our range has been designed to allow for a diversified deposits strategy from easily-accessible funds in easy access to longer-term money locked-up or a competitive rate to ensure your savings work as hard as they can for your community-focused organisation.

\n","faqCategories":{"nodes":[{"slug":"credit-unions"}]}},{"id":"ZmFxOjExMjg2","faqId":11286,"menuOrder":2,"title":"I am a small community bank. Is this account right for me?","content":"

Absolutely – we offer flexible, tailored solutions to banks of all types and sizes.

\n","faqCategories":{"nodes":[{"slug":"credit-unions"}]}},{"id":"ZmFxOjExMjg0","faqId":11284,"menuOrder":3,"title":"What is your credit rating?","content":"

As a specialist lender and challenger bank, we don’t raise finance on debt markets and don’t need a credit rating.

\n

So, like most – if not all – the banks in our peer group, we’re unrated.

\n","faqCategories":{"nodes":[{"slug":"credit-unions"}]}}]}},{"id":"ZmFxOjExNDE0","faqId":11414,"menuOrder":24,"title":"General:","content":null,"faqCategories":{"nodes":[{"slug":"corp-deposits"}]},"childFaqs":{"nodes":[{"id":"ZmFxOjExMzAy","faqId":11302,"menuOrder":1,"title":"How do I instruct on my corporate deposits account?","content":"

When opening an account with us, we will assign you an account manager. This account manager will accept all instructions via email. 

\n","faqCategories":{"nodes":[{"slug":"corp-deposits"}]}},{"id":"ZmFxOjExMzAw","faqId":11300,"menuOrder":2,"title":"How many designated signatories will I need to open an account?","content":"

A minimum of two and up to four.

\n","faqCategories":{"nodes":[{"slug":"corp-deposits"}]}},{"id":"ZmFxOjExMjk4","faqId":11298,"menuOrder":3,"title":"What is your credit rating?","content":"

As a specialist lender and challenger bank, we don’t raise finance on debt markets and don’t need a credit rating.  

\n

So, like most – if not all – the banks in our peer group, we’re unrated. However, we’re very proud of our strong capital position – read more about how we manage our business in our Investor relations area.

\n","faqCategories":{"nodes":[{"slug":"corp-deposits"}]}},{"id":"ZmFxOjExMzA0","faqId":11304,"menuOrder":4,"title":"How quickly can I withdraw funds from my Easy Access account?","content":"

Provided we receive your instruction before midday, funds will be returned on the same day. After 12pm, the funds will be returned the next working day. 

\n","faqCategories":{"nodes":[{"slug":"corp-deposits"}]}}]}},{"id":"ZmFxOjk4MDE=","faqId":9801,"menuOrder":25,"title":"About our new online savings portal","content":null,"faqCategories":{"nodes":[{"slug":"savings-help-hub"}]},"childFaqs":{"nodes":[{"id":"ZmFxOjk4MDU=","faqId":9805,"menuOrder":1,"title":"What is changing?","content":"

We’ve upgraded our online savings portal. It’s still a secure and an easy way to manage your accounts. You’ll also find communications from us, be able to apply for new HTB accounts and even send our team secure messages. And we have even more helpful changes to come.

\n

You’ll be better informed too, with new text messages and emails being sent so you’re always aware of what’s happening on your account.

\n","faqCategories":{"nodes":[{"slug":"savings-help-hub"}]}},{"id":"ZmFxOjk4MDg=","faqId":9808,"menuOrder":2,"title":"What do I need to do?","content":"

You’ll need to sign-up to our new savings portal to use it.

\n

If you opened your savings account before 1 May 2024 you will be guided to register for the new online savings portal when you next log in.

\n

Customers who have joined us since then will get access to the new portal straight away and won’t need to do anything new.

\n","faqCategories":{"nodes":[{"slug":"savings-help-hub"}]}},{"id":"ZmFxOjk4MTA=","faqId":9810,"menuOrder":3,"title":"I need help","content":"

We understand, and the team are here to help. In the video above, Jacob walks through, step-by-step, how to register and log in. You can pause, rewind and replay the video at your own pace and even add subtitles if you’d like to.

\n

If you’re getting stuck or need us to go through it with you, don’t worry, we’re here. Please get in touch (have all your security details handy so we can help get you logged in).

\n

Our customer service team are available on 020 7862 6222 and savingsportal@htb.co.uk. We’re available 9am-5pm Monday to Friday, excluding bank holidays.

\n","faqCategories":{"nodes":[{"slug":"savings-help-hub"}]}},{"id":"ZmFxOjk4MTI=","faqId":9812,"menuOrder":4,"title":"I need to talk to someone","content":"

Please reach out to our customer service team for extra help on 020 7862 6222 or email our dedicated portal team at savingsportal@htb.co.uk.

\n

We’re available 9am-5pm Monday to Friday, excluding bank holidays.

\n","faqCategories":{"nodes":[{"slug":"savings-help-hub"}]}}]}},{"id":"ZmFxOjk4NDk=","faqId":9849,"menuOrder":26,"title":"My savings accounts","content":null,"faqCategories":{"nodes":[{"slug":"savings-help-hub"}]},"childFaqs":{"nodes":[{"id":"ZmFxOjk4NTE=","faqId":9851,"menuOrder":1,"title":"Will my account number change?","content":"

No, your account number won’t change.

\n","faqCategories":{"nodes":[{"slug":"savings-help-hub"}]}},{"id":"ZmFxOjk4NTM=","faqId":9853,"menuOrder":2,"title":"What happens to my planned payments?","content":"

All payments will process as usual.

\n","faqCategories":{"nodes":[{"slug":"savings-help-hub"}]}},{"id":"ZmFxOjk4NTU=","faqId":9855,"menuOrder":3,"title":"Are there any changes to my account terms and conditions?","content":"

No.

\n

We may update our terms at any time, giving you plenty of notice. Until then, nothing will change.

\n","faqCategories":{"nodes":[{"slug":"savings-help-hub"}]}},{"id":"ZmFxOjk4NTc=","faqId":9857,"menuOrder":4,"title":"How can I see my account statements or transaction history in the new portal?","content":"

You can see your account statement and transaction history as usual on the new portal.

\n","faqCategories":{"nodes":[{"slug":"savings-help-hub"}]}}]}},{"id":"ZmFxOjk4Mjg=","faqId":9828,"menuOrder":27,"title":"Signing-up for the new portal","content":null,"faqCategories":{"nodes":[{"slug":"savings-help-hub"}]},"childFaqs":{"nodes":[{"id":"ZmFxOjk4MzA=","faqId":9830,"menuOrder":1,"title":"I’m ready, what do I need to do now?","content":"

Simply click Register at the top and you’ll be guided through registration. You’ll need to log in to your account and update your security and contact details.

\n

Once you’re logged in and updated your password on the new portal, you are all set.

\n","faqCategories":{"nodes":[{"slug":"savings-help-hub"}]}},{"id":"ZmFxOjk4MzI=","faqId":9832,"menuOrder":2,"title":"I’ve forgotten my User ID","content":"

If you joined us from May 2024, your User ID can be found on the email we sent you when we opened your account.

\n

If you managed your account online before May 2024 and have registered for our new online portal, your User ID will be your email address, so you could try that first.

\n","faqCategories":{"nodes":[{"slug":"savings-help-hub"}]}},{"id":"ZmFxOjk4MzQ=","faqId":9834,"menuOrder":3,"title":"I’ve forgotten my password or memorable word","content":"

Your memorable word is case sensitive (in case this helps).

\n

If you need help, get in touch with our customer service team on 020 7862 6222 or email savingsportal@htb.co.uk and we’ll sort this out for you.

\n

We’re open 9am-5pm Monday to Friday, excluding bank holidays.

\n","faqCategories":{"nodes":[{"slug":"savings-help-hub"}]}},{"id":"ZmFxOjk4MzY=","faqId":9836,"menuOrder":4,"title":"Will there be any disruption to my account?","content":"

You don’t need to move onto the new portal until you’re ready, but you will need to register to start using it. There’s no downtime planned and your accounts are unchanged.

\n","faqCategories":{"nodes":[{"slug":"savings-help-hub"}]}},{"id":"ZmFxOjk4Mzg=","faqId":9838,"menuOrder":5,"title":"Why are you asking me to verify my details?","content":"

We’re a digital bank and use your contact details to make sure it’s you when you log in, so we need to make sure these are up to date.

\n

For convenience, your email address will become your User ID and, to help you stay in control, we’ll also start sending you text messages and emails so you’re always aware of what’s happening on your account.

\n

 

\n","faqCategories":{"nodes":[{"slug":"savings-help-hub"}]}},{"id":"ZmFxOjk4NDA=","faqId":9840,"menuOrder":6,"title":"Is the new portal secure?","content":"

The new savings portal is secure. In fact, we mention some of our new security features in our recent article about fraud prevention.

\n

And, for extra peace of mind, we’ll start sending you text messages and emails so you’re always aware of what’s happening on your account up-to-the-minute.

\n","faqCategories":{"nodes":[{"slug":"savings-help-hub"}]}},{"id":"ZmFxOjk4NDI=","faqId":9842,"menuOrder":7,"title":"How can I provide feedback or tell you about an issue?","content":"

We really appreciate feedback and the opportunity to put things right.

\n

We ask that you get in touch 9am-5pm Monday to Friday on 020 7862 6222 or email savingsportal@htb.co.uk.

\n","faqCategories":{"nodes":[{"slug":"savings-help-hub"}]}},{"id":"ZmFxOjk4NDQ=","faqId":9844,"menuOrder":8,"title":"I’m getting an error message or have been locked out","content":"

Our customer service team is available 9am-5pm Monday to Friday. Please reach out for extra help on 020 7862 6222 or email savingsportal@htb.co.uk.

\n","faqCategories":{"nodes":[{"slug":"savings-help-hub"}]}},{"id":"ZmFxOjk4NDY=","faqId":9846,"menuOrder":9,"title":"I don’t have a mobile phone number or email address","content":"

We’re a digital bank and we use your contact details to make sure it’s you when you log in. Unfortunately, you won’t be able to access our new online savings portal without these.

\n

Our customer service team is available 9am-5pm Monday to Friday. Please reach out for extra help on 020 7862 6222 or email savings@htb.co.uk as usual.

\n","faqCategories":{"nodes":[{"slug":"savings-help-hub"}]}}]}},{"id":"ZmFxOjM1Mjk=","faqId":3529,"menuOrder":28,"title":"ISA savings accounts","content":null,"faqCategories":{"nodes":[{"slug":"personal-savings"}]},"childFaqs":{"nodes":[{"id":"ZmFxOjExNjE5","faqId":11619,"menuOrder":null,"title":"How long do I have to pay into my ISA?","content":"

You have 14 days from when you applied for the account to pay in at least £1 and initiate any Transfer In from your existing ISA provider.

\n

Any accounts unfunded after this window will be closed, and any deposits received after the funding window may be returned.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjE3MDAy","faqId":17002,"menuOrder":1,"title":"Can I open more than one Online Easy Access Account?","content":"

You may hold one Online Easy Access Account (Issue 33) per person. However, you may also hold other savings accounts with HTB, subject to each account’s terms and conditions.

\n","faqCategories":{"nodes":[{"slug":"instant-saver-reward-issue-8"}]}},{"id":"ZmFxOjM1Mjg=","faqId":3528,"menuOrder":1,"title":"What is an ISA?","content":"

ISA stands for Individual Savings Account. The main difference between an ISA and any other savings account is that it offers tax-free interest payments, so you could get more for your money. There is a limit to how much money you can put into an ISA in each tax year, which is called the ‘ISA allowance’.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjE3MDA0","faqId":17004,"menuOrder":2,"title":"What happens if I don’t fund my account within 14 days?","content":"

If your account is not funded within 14 days of being opened, we may close the account. You would need to submit a new application if you wish to open the account again.

\n","faqCategories":{"nodes":[{"slug":"instant-saver-reward-issue-8"}]}},{"id":"ZmFxOjM1MzA=","faqId":3530,"menuOrder":2,"title":"Who can invest in an ISA?","content":"

To be eligible to subscribe to an ISA an investor must be an individual, aged 16 or over (if subscribing to a cash ISA), or 18 or over (if subscribing to a stocks and shares, innovative finance ISA, or a Lifetime ISA).

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjE3MDA2","faqId":17006,"menuOrder":3,"title":"Can I change my nominated account?","content":"

Yes, you can request a change of nominated account by contacting us. For security purposes, we may need to carry out additional verification checks before the change takes effect.

\n","faqCategories":{"nodes":[{"slug":"instant-saver-reward-issue-8"}]}},{"id":"ZmFxOjIxMDU=","faqId":2105,"menuOrder":3,"title":"What are the different types of ISAs","content":"\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjE3MDA4","faqId":17008,"menuOrder":4,"title":"How do I close my account?","content":"

You can request to close your account at any time by contacting us via the online portal, by email at savings@htb.co.uk, or by calling 0343 509 5000. Any balance in the account will be returned to your nominated account, along with any interest earned up to the date of closure.

\n","faqCategories":{"nodes":[{"slug":"instant-saver-reward-issue-8"}]}},{"id":"ZmFxOjIxMDc=","faqId":2107,"menuOrder":4,"title":"How many ISAs can I have?","content":"

You can open multiple cash ISAs each year. However, the total amount of money you deposit across all of your ISAs can’t be more than your ISA allowance.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjIxMDk=","faqId":2109,"menuOrder":5,"title":"What type of ISA does HTB offer?","content":"

HTB will only offer a Cash ISA.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjIxMTE=","faqId":2111,"menuOrder":6,"title":"Can I open a Joint ISA?","content":"

A Cash ISA may only be held by an investor in his or her sole name. A Cash ISA cannot be a joint account or held on behalf of a person other than the account holder.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjIxMTc=","faqId":2117,"menuOrder":7,"title":"How much can you invest in an ISA for this tax year?","content":"

The total amount you can save in ISAs in the current tax year is £20,000.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjIxMTk=","faqId":2119,"menuOrder":8,"title":"What is the minimum balance you can pay into an ISA with HTB?","content":"

The minimum amount you can pay in to a Cash ISA is £1.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjIxMjE=","faqId":2121,"menuOrder":9,"title":"How can I open an ISA?","content":"

HTB ISAs can be opened online.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjIxMjM=","faqId":2123,"menuOrder":10,"title":"Can I view my account online?","content":"

Yes, you can view your accounts through our online savings portal.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjM1MzY=","faqId":3536,"menuOrder":12,"title":"What checks do you carry out?","content":"

As a responsible bank we need to be confident in knowing who our customers are. We check your address and identity using various electronic databases.

\n

If we’re unable to verify you in this way, we’ll get in touch and may ask you for some documents to help us complete our checks. Read what verification documents we may ask for. You can send clear photos or photocopies of these to us by email at kyc@htb.co.uk. Please don’t send us originals.

\n

You’ll need to send these within 14 days of applying for your account, otherwise we’ll cancel the application.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjM1Mzc=","faqId":3537,"menuOrder":13,"title":"Can I transfer my ISA to you from another ISA provider?","content":"

Yes, you can transfer your savings to a different type of ISA or to the same type of ISA. If you want to transfer money you’ve invested in an ISA during the current year, you must transfer all of it. For money you invested in previous years, you can choose to transfer all or part of your savings.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjM1Mzg=","faqId":3538,"menuOrder":14,"title":"Can I transfer between ISA accounts?","content":"

You can transfer your Individual Savings Account (ISA) from one provider to another at any time. Please click here to download our ISA transfer application form.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjM1Mzk=","faqId":3539,"menuOrder":15,"title":"How can I deposit funds to my ISA?","content":"

You can pay money into your account by sending an electronic payment (Faster Payment or CHAPS) to your Hampshire Trust Bank sort code and account number, which we will tell you once we have opened your account. If you open your account online we will provide your sort code and account number at the end of the application. However you apply, we will write to you to confirm your sort code and account number as soon as we have opened your account.

\n

You can also pay money into your account by cheque. We will usually bank your cheque on the working day that we receive it. You should make the cheque payable to yourself and send it to us at our freepost address: Freepost RTXE-RYYB-AYZY, Hampshire Trust Bank, Savings, PO Box 74003, London EC2P 2QR.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjIxNDM=","faqId":2143,"menuOrder":16,"title":"Can I withdraw from my ISA?","content":"

Any instruction to break the term of your Bond Cash ISA will be subject to an early redemption fee as set out in the Key Features Document. If you ask us to break the terms of your Bond Cash ISA, we will pay funds to your nominated account net of any such early redemption fee.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjIxMzU=","faqId":2135,"menuOrder":17,"title":"What is a nominated account?","content":"

When you apply we will ask you to give us a nominated account, which must be a current account you hold with a UK bank. We will check the nominated account details you give us and occasionally we may need you to provide evidence that you are the account holder, such as a copy of your bank statement showing the account number, sort code and your name.

\n

All payments you make into your savings account must be made from your nominated account.

\n

We will make all withdrawals by electronic payment to your nominated account.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjIxMzc=","faqId":2137,"menuOrder":18,"title":"How long does a transfer in from a Cash ISA take?","content":"

A Cash ISA should take two weeks:

\n\n

Allowing two days for 1st class post, this equates to a total of 15 business days.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjIxMzk=","faqId":2139,"menuOrder":19,"title":"What happens when a fixed term ends (maturity)?","content":"

We’ll get in touch a few weeks before your fixed term comes to an end (the ‘account maturity’) to let you know your options and ask for your instructions.

\n

You can give us – and amend – your maturity instructions through our online savings portal up to 2 working days before your account matures.

\n

If you need some support while doing this, send us a secure message when you’re logged in, or get in touch.

\n

And, if we don’t hear from you, we’ll move your balance into our maturity easy access account to keep it protected while you decide what to do.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjEzOTg5","faqId":13989,"menuOrder":20,"title":"Can I inherit my deceased spouse or civil partner’s ISA subscription?","content":"

If your spouse or civil partner has passed away, you may be entitled to an extra ISA allowance equal to the value of their ISA savings — this is called an Additional Permitted Subscription (APS).

\n

While we don’t currently offer APS on our ISAs, we’re happy to guide you through the process. Just get in touch and we’ll help however we can.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjIxNDE=","faqId":2141,"menuOrder":20,"title":"Can I cancel my ISA?","content":"

If you change your mind about opening the Cash ISA, you have the right to cancel it within 14 days of it being opened. Just tell us that you wish to cancel by calling or writing to Customer Services.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjIxNDU=","faqId":2145,"menuOrder":21,"title":"How can I transfer out?","content":"

If you wish to transfer your Cash ISA with us to another ISA provider then you should request this through your new ISA provider, making a separate request for each Cash ISA you have with us and that you wish to transfer. You should not withdraw the funds from your Cash ISA and then pay them to your new ISA as those funds will lose their ISA status.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjIxNDc=","faqId":2147,"menuOrder":23,"title":"Is my money protected under the Financial Services Compensation Scheme (FSCS)?","content":"

Deposits are protected by the Financial Services Compensation Scheme.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}}]}},{"id":"ZmFxOjQwNQ==","faqId":405,"menuOrder":29,"title":"Managing your personal savings account","content":null,"faqCategories":{"nodes":[{"slug":"personal-savings"}]},"childFaqs":{"nodes":[{"id":"ZmFxOjQwOA==","faqId":408,"menuOrder":1,"title":"How do I log in to my online account?","content":"

You can login to our online portal here.

\n

If you managed your account online before May 2024 and have not yet registered for our new online portal, you can read more and register here.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjQwNw==","faqId":407,"menuOrder":2,"title":"How can I manage my account?","content":"

You can manage your account when logged in online and by telephone (Mon-Fri 9am-5pm and closed on bank holidays).

\n

If you’ve always managed your account with us in a different way, for example by post, you can keep doing this.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjcwNjI=","faqId":7062,"menuOrder":3,"title":"Where do I find my user ID?","content":"

Your User ID can be found on the email we sent you when we opened your account (if you joined us from May 2024).

\n

If you managed your account online before May 2024 and have registered for our new online portal, your User ID will be your email address, so you could try that first.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjQwOQ==","faqId":409,"menuOrder":4,"title":"How can I find out my balance?","content":"

If you have an online account you will see the balance for each account you hold with us and your total balance when you log in to your account.

\n

If you do not have an online account we can tell you your balance over the phone.

\n

We will send you an annual statement by post on the anniversary of account opening.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjcwNjQ=","faqId":7064,"menuOrder":5,"title":"How can I get a statement of my account?","content":"

You can view, search and download your account transactions in our online portal. You can log in here.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjQxMA==","faqId":410,"menuOrder":6,"title":"How can I find the interest rate on my account?","content":"

If you have an online account you can see the interest rate for each account you hold us when you log in to your account.

\n

If you do not have an online account we can tell you your interest rate over the phone or by secure message, when logged in.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjQxMQ==","faqId":411,"menuOrder":7,"title":"How do I withdraw money from my notice account?","content":"

If you have an online account you can give notice to withdraw money by logging in, selecting your notice account by clicking its account number and choosing ‘withdraw funds’.

\n

Alternatively, you can give us an instruction by calling 020 7862 6222 during business hours.

\n

You can make a partial withdrawal or ask us to close your account and return all of your money.

\n

We cannot accept instructions by email.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjQxMg==","faqId":412,"menuOrder":8,"title":"How do I withdraw money from my fixed rate account?","content":"

You cannot withdraw money from our fixed rate bond accounts before the end of the term.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjQxMw==","faqId":413,"menuOrder":9,"title":"What do I need to do at the end of my fixed term?","content":"

We’ll get in touch a few weeks before your fixed term comes to an end (the ‘account maturity’) to let you know your options and ask for your instructions.

\n

You can give us – and amend – your maturity instructions through our online savings portal up to 2 working days before your account matures.

\n

 

\n

When your fixed term comes to an end, you’ll be able to:

\n\n

 

\n

To let us know what you’d like to do at maturity, or change your previous instructions, simply:

\n\n

 

\n

From there, you can:

\n\n

 

\n

Interest will be paid to either your nominated account or reinvested account, based on the advice you selected when you open the account. Your balance will be adjusted accordingly.

\n

If you need some support while doing this, send us a secure message while you’re logged in, or get in touch.

\n

And, if we don’t hear from you, we’ll move your balance into our maturity easy access account to keep it protected while you decide what to do with it.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjQxNA==","faqId":414,"menuOrder":10,"title":"How do I add a second account holder?","content":"

If you have a sole account and wish to add a second account holder you will need to get in touch by email or post, giving the account details, full name, address and date of birth of the new account holder. We will need to carry out some checks on the new account holder and may ask them to provide some documentation to verify their identity.

\n

Alternatively, you can select a joint account when you apply for a new account online.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjQxNQ==","faqId":415,"menuOrder":11,"title":"How do I remove an account holder?","content":"

If you hold a joint account and you both wish to remove one of you from the account you need to write to us asking us to do this. The letter needs to be signed by both of you.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}}]}},{"id":"ZmFxOjQwNg==","faqId":406,"menuOrder":30,"title":"Online personal savings accounts","content":null,"faqCategories":{"nodes":[]},"childFaqs":{"nodes":[]}},{"id":"ZmFxOjM5Nw==","faqId":397,"menuOrder":31,"title":"Can I open an account as a Power of Attorney or similar third party mandate?","content":"

Yes. You can find more information about this on our Power of Attorney page.

\n","faqCategories":{"nodes":[]},"childFaqs":{"nodes":[]}},{"id":"ZmFxOjM1MjU=","faqId":3525,"menuOrder":32,"title":"Online personal savings accounts","content":null,"faqCategories":{"nodes":[{"slug":"personal-savings"}]},"childFaqs":{"nodes":[{"id":"ZmFxOjQxNw==","faqId":417,"menuOrder":1,"title":"I have forgotten my password. What do I do?","content":"

No problem. Give us a call 020 7862 6222 (Monday-Friday 9am-5pm and closed on bank holidays).

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjQxOQ==","faqId":419,"menuOrder":2,"title":"I have forgotten my User ID. What do I do?","content":"

Get in touch on 020 7862 6222 (Mon-Fri 9am-5pm, excluding bank holidays).

\n

If you managed your account online before 1 May 2024, your User ID will be your email address, so you could try that first.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjQyMA==","faqId":420,"menuOrder":3,"title":"I have forgotten my memorable word. What do I do?","content":"

Call us on 020 7862 6222 during business hours.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjQxNg==","faqId":416,"menuOrder":4,"title":"What should I do to help keep my online accounts safe?","content":"

To help to prevent unauthorised access to your online account it is critical that you do not share your password or memorable word with anyone and we advise you not to write it down.

\n

If you know or suspect that someone knows your password and/or memorable word you should tell us immediately and we will suspend your online account to prevent unauthorised access. We may do this without giving you prior notice if we suspect someone knows your password or if we see any unusual activity on your account. If we do suspend your online account we will re-register you to allow you to continue to securely use your account.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}},{"id":"ZmFxOjQyMQ==","faqId":421,"menuOrder":5,"title":"I have a joint account. Can the other account holder log into the account?","content":"

Yes. Both account holders will receive their own security details for our online savings portal.

\n","faqCategories":{"nodes":[{"slug":"personal-savings"}]}}]}}]}}}}