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Dealing with financial difficulties

Struggling financially

Worried about the cost of living?

The rising cost of living means we are paying more for essentials such as food, energy and fuel. It's worrying and you may be tempted to ignore the situation, hoping things will improve.

If you're struggling to pay the bills, or worried you might miss a payment, please get in touch as soon as possible.

How we can help you

We are here to help you if you're experiencing financial difficulties.

Overdrafts

Providing you with everyday financial support

Gone overdrawn on your account or worried that you could go overdrawn soon?

Loan repayments

Concerned about monthly loan payments?

Have you missed a loan repayment or are worried that you could miss a monthly payment?

Mortgage payments

Having difficulty paying your monthly mortgage?

Missed a mortgage payment or struggling to make the next payment?

Need a repayment break?

If you are struggling to cover your loan or mortgage repayments, you might want to apply for a 3-month repayment break.

At the end of your payment break, you will be required to cover the payments you would have made and interest that has built up during the break period.

Eligibility criteria and conditions apply

Latest fraud scams

Do you know the latest scams doing the rounds? It's important you can recognise the tell-tale signs because fraud often increases during times of uncertainty.

Would it be good to discuss your finances?

If you are worried about your personal finances, a Financial Health Check could help. Discover helpful hints, tips and ideas to help keep you financially fit.

It’ll focus on your needs and goals and could help you to make better decisions about your finances, now and in the future.

International Personal Banking customers should visit our International Financial Health Check webpage

Helping you save a little every time you spend

With Round Ups on our mobile app, pay with your debit card or contactless device and we'll round up the amount to the nearest pound, sending the spare change to your savings account.

Rounding up to the nearest pound might not sound like much however the pennies soon add up. Criteria apply.

App available to customers aged 11+ with compatible iOS and Android devices and a Channel Islands, Isle of Man, UK or international mobile number in specific countries (opens in a new window)

Money saving hints and tips

Independent support available