It’s real local banking

The community bank for people living in central southern England.

We are a not-for-profit member-owned bank for people who want digital banking to be personal.

The original cashback loan

Our cashback personal loan is one of the things our members love about us the most.

Our standardplus loan is guaranteed to have a lower interest rate than the top ten banks.

*up to £4,999

We’ll help you build savings while you borrow

With every loan repayment you make, you’ll be reducing what you owe and building savings at the same time!

APPLY

Bigger isn’t better

No corporate investors, expensive overheads or overseas call centres.

Local call centre
A personal service from friendly people
An average 2-minute telephone wait time
Human loan underwriters with no auto-decisions
Profits go back into local communities

Borrowing

Our low-rate personal loans are assessed by real people and have no early repayment fees and built-in savings. Find out more.
If you have an existing loan with us you could top up your current loan. Apply here.
Find out how much you can borrow and what it will cost over different terms and amounts. Use the calculator.
Our Standardplus loan is lower than the major banks. Switch your existing lender to us and you could save money. Switch.

Saving

Open a simple and straightforward instant access account and start saving. Apply here.
Save tax-free for your future with genuine impact investment and zero-risk. Find out more
Our most popular account is for people who want to avoid expensive credit cards at Christmas. Plan now for the big day. Apply
A savings account which could help build your credit score and give you a guaranteed loan at the end. Apply today.
An account to help local groups, organisations or charities who need a safe and secure bank account to move forward with their ideas and goals. More info.

Your money is safe with us. We are a fully regulated bank (213757). Deposits are protected by the Financial Services Compensation Scheme up to £85,000 per depositor.

What do our customers say..

Supporting local communities

When you join us, you’ll be part of supporting and growing local communities through our foundation.

We’ve been inspired and proud to have supported many local groups, organisations and charities across our region with our foundation and community grant scheme.

Learn more