Complaints

We’re committed to providing products and services of the highest standards. If you feel we haven't lived up to your expectations, we'd like to know so we can put things right.

How to make a complaint

Start by speaking to your usual contact at the bank and let them know how you think the issue could be resolved. If you still need help, there are a number of ways to make a complaint.

Call us on 0345 300 0268. We are open Monday to Friday, 8am to 6pm, and Saturday 9am to 2pm. This excludes bank holidays. From outside the UK call +44 131 549 8724.

What happens after you make a complaint?

We’ll try to resolve your complaint as quickly as possible and keep you updated along the way.

Within five business days

Within five business days

We’ll acknowledge we've received your complaint in writing and provide the contact details of the person or team handling your case.

At four weeks

At four weeks

If we’re still investigating your complaint at four weeks, we’ll update you on progress.

By eight weeks

By eight weeks

We'll issue a final response, but will aim to get your complaint resolved well before this time.

Payment services or e-money complaints

Payment services or e-money complaints

If your complaint relates to payment services or e-money (Direct Debit or Online Transaction), we aim to issue a final response within 15 business days, beginning after we receive your complaint. If something outside of our control causes a delay, this could take up to 35 days. If so, we’ll let you know. 

If you're unhappy with the outcome

If we haven’t issued our response within eight weeks, or if you’re unhappy with our final decision, you may be able to ask the Financial Ombudsman Service (FOS) for an independent review.

Eligibility criteria

The FOS will only consider your complaint once you’ve tried to resolve it with us. You must also meet the FOS eligibility criteria.

Contact the Financial Ombudsman Service

Further information on the FOS including more detailed guidance on those who are eligible to complain, can be found on their website financial-ombudsman.org.uk.

Here’s how you can contact them directly: