Asking for help can be one of the toughest things to do. But it’s always the right thing, so please don’t hesitate. Talk to us if you’re worried about money or if you’re struggling with something specific, such as a loan or mortgage.
How it works
- Tell us about your situation, for example, your income, spending and debts. It’s helpful if you have your recent bank statements handy
- We’ll review your finances to see how we can help you
- We’ll discuss your options, and discuss what you should do next
What you'll need for the call
- Your bank statements for the last 3 months
- Details of any debts or expenses that are coming up
- Any income you get, such as wages, benefits, or any other money you recieve
- Your normal monthly spending, for example, the amount you spend on food shopping or travel
- The call normally takes at least an hour to run through your finances and options
Find the right person to talk to
Depending on what you want to talk about, or what your situation is, you’ll need the right person to talk to.
Talk to us about your situation
Call our telephone banking team:
03459 758 758 (UK)
+44 (0) 20 3284 1575 (abroad)
Lines open 8am to 8pm.
If you need a chat about your money we’re here to listen. Book an appointment with a Money Confidence Expert in a branch, pop up or by video call.
If you have a hearing or speech impairment you can call us using the National Relay UK service. Type ‘18001’ before entering our telephone number. A member of the Royal National Institute for Deaf People will join the call to speak with us as you send and receive text messages. Please visit www.relayuk.bt.com to read how they manage your data.
Data privacy
Book an appointment: We use Adobe Sign for this kind of request. Adobe will pass the information you provide to us in a secure manner and won’t process it in any other way. Information on how we use your data can be found in our Data Privacy Notice.
Screen reader users are advised to use an alternative channel.
1. Request an income and expenditure form
First, request an income and expenditure form. We’ll then send you a link within one working day to complete an Income & Expenditure form. This will help us understand your finances so we can support you further.
Screen reader users are advised to use an alternative channel.
2. Share you income and expenditure information
You can complete the Income & Expenditure form in two ways:
Automatically with Open Banking: Connect your UK accounts securely to fill out the form automatically. You’ll need your internet banking login details, and our Open Banking provider, Bud, will securely share the past 12 months of your account information with TSB.
Manually: Enter your financial details into the form. We recommend having your bank statements or online banking access on hand.
We work with a company called Bud to provide the Income & Expenditure form. You’ll complete the form on Bud's portal.
3. What to expect next
After you submit the form, we’ll review your finances and give you a call back within 48 hours to discuss a plan with you.
Data privacy
Income and expenditure form request: We use Adobe Sign for this kind of request. Adobe will pass the information you provide to us in a secure manner and won’t process it in any other way. Information on how we use your data can be found in our Data Privacy Notice.
How Bud will process your data: Bud will process any personal data you provide on behalf of TSB, with your explicit consent. You can withdraw this consent at any time. Bud will securely share your information with TSB; if you prefer not to share your information with Bud, please contact us by phone or book an appointment at your local branch. For more details, see Bud’s data privacy notice on their portal.
How TSB will process your data: TSB processes your personal data to meet regulatory requirements and support our legitimate interests providing you with effective debt support and preventing fraud and financial crime. For more information on how we handle your data, please refer to our Data Privacy Notice.
If you’d prefer to talk to someone face to face you can use the form below to book an appointment at a branch and time that is convenient for you.
Please note we may not be able to help you with changes to your products so it may be better to call one of the numbers above.
We use Adobe Sign for this kind of request. Adobe will pass the information you provide to us in a secure manner and won’t process it in any other way. Information on how we use your data can be found in our Data Privacy Notice.
Screen reader users are advised to use an alternative channel
Talk to us about a specific account
I'm worried about...
- I’ve gone over my overdraft, what happens now?
- I’m struggling with overdraft interest charges
- I’ve been using my overdraft a lot or I have received a communication about repeat overdraft usage’
How we might be able to help:
We can offer a range of options to help you get back on track. These will depend on your individual circumstances but may include:
- A pause in overdraft charges could help you get back on track
- A repayment plan to help you pay off an unarranged overdraft
- Refinance your debt (from loans, overdraft and credit cards) into a single new loan with one more affordable payment
If you haven't yet missed a payment, but want some help for one or more of your banking products you have with us:
0345 609 9283
Lines open 9am to 6pm Monday to Friday. 9am to 1pm Saturdays.
If you've fallen behind on your payments choose from one of the numbers below.
0345 600 8973
Lines open 8am to 8pm Monday to Friday. 8am to 4pm Saturdays.
Useful resources
I'm worried about...
- I’m worried about losing my home if I can’t keep up with my mortgage
- My mortgage costs me too much each month
- I've missed a mortgage payment
How we might be able to help:
We can offer a range of options to help you get back on track. These will depend on your individual circumstances but may include:
- With a plan to get your payments back on track
- With a temporary reduction in payment amount, or a payment holiday. This is subject to criteria and may result in you paying more interest overall
- Combine multiple debts into a single, more cost effective option
- Reduce your monthly mortgage payment, for example by switching to a new fixed rate or extending your term. Note, extending your term means paying more overall
We have signed the Mortgage Charter to help mortgage customers, who are struggling with rising interest rates, get back on track and feel more confident about their money. Find out more.
Worried about or missed mortgage payments?
For help with your TSB mortgage call: 0345 835 5404
Lines open 8am to 6:30pm Monday to Friday. 9am to 12pm Saturdays
Useful resources
I'm worried about...
- Living off my credit card and the balance keeps rising
- I need some breathing room from mounting interest costs
- A 'persistent debt' letter
How we might be able to help:
We can offer a range of options to help you get back on track. These will depend on your individual circumstances but may include:
- A plan to get your payments back on track
- Changing your payment date to a day that suits you better
- Refinance your debt (from loans, overdraft and credit cards) into a single new loan with one more affordable monthly payment
- Help you set up a Direct Debit to help you meet your minimum payment on time and avoid late fees
If you haven't yet missed a payment, but want some help for one or more of your banking products you have with us:
0345 609 9283
Lines open 9am to 6pm Monday to Friday, 9am to 1pm Saturdays.
If you've fallen behind on your payments choose from one of the numbers below.
0345 600 8972
Lines open 8am to 8pm Monday to Friday, 8am to 4pm Saturdays.
Useful resources
I'm worried about...
- A missed loan payment
- My loan costs each month
How we might be able to help:
We can offer a range of options to help you get back on track. These will depend on your individual circumstances but may include:
- A payment holiday. If you take a payment holiday, the length of your loan will increase meaning you will pay more interest overall. Read more about loan repayment holidays
- Refinance your debt (from loans, overdraft and credit cards) into a single new loan with one affordable monthly payment
- A temporary reduction in payment amount
If you haven't yet missed a payment, but want some help for one or more of your banking products you have with us:
0345 609 9283
Lines open 9am to 6pm Monday to Friday, 9am to 1pm Saturdays.
If you've fallen behind on your payments choose from one of the numbers below.
0345 600 8973
Lines open 8am to 8pm Monday to Friday, 8am to 4pm Saturdays.
Useful resources
MoneySavingExpert: debt help information
I'm worried about...
- Not having enough for an unexpected expense (e.g. Car or Home repair)
- Not having enough money for a family holiday
- Not having enough money to buy Christmas, birthday presents
How we might be able to help:
- Savings Pots - set yourself goals and track how your Savings Pots are growing. Put money aside in up to 5 individual Savings Pots
- Save the Pennies - round up every debit card payment to the nearest pound. The difference goes straight into your Savings Pot or any other eligible TSB savings account
If you haven't yet missed a payment, but want some help for one or more of your banking products you have with us:
0345 609 9283
Lines open 9am to 6pm Monday to Friday, 9am to 1pm Saturdays.
If you've fallen behind on your payments choose from one of the numbers below.
0345 600 8973
Lines open 8am to 8pm Monday to Friday, 8am to 4pm Saturdays.
Useful resources
