Personal
A current account with no monthly fee, savings that pay monthly, cards you control from your phone, and lending that shows the total cost before you apply.
Accounts
Four accounts, priced in public
Every rate, fee and limit below comes from the same catalogue the bank runs on.
Why customers trust Reliance Bank
- £85,000
- protected per personEligible deposits are covered by the Financial Services Compensation Scheme.
- 1.4m
- personal and business customersAcross current accounts, savings, cards and lending.
- < 2 hours
- typical domestic transferMost arrive within two hours; all within one working day.
- 24/7
- fraud team, every dayA person answers the lost-and-stolen line at any hour.
Day to day
What you get on the first day, not after six months
No introductory rates, no bundles to keep, no fee that appears in month four.
Your salary, a day early
We credit your account as soon as your employer’s payment file reaches us — usually the working day before payday, at no cost.
Switching handled for you
We move your balance, your direct debits and your standing orders, and redirect anything that arrives at the old account for three years.
Cards you set the rules for
Per-transaction limits, contactless on or off, online payments blocked by default if you prefer. Change any of it in seconds.
Round-ups into a goal
Round every card payment up to the nearest pound and send the difference to whatever you are saving for.
Notifications that mean something
Every payment as it happens, with the merchant name and the balance left — not a daily digest of yesterday.
Joint accounts without the paperwork
Open one online in a single sitting. Both of you get your own card, your own limits and your own view of the account.
The app
The bank fits in a pocket
Everything the branch can do, most of it faster, and none of it behind a phone queue.
- A notification the moment money movesEvery payment, in or out, with the merchant and the running balance.
- Freeze a card in one tapInstantly, and unfreeze it just as fast when the card turns up in a coat pocket.
- Spending sorted by itselfCategories you can correct once and we will remember.
- Sign in with a passkeyA fingerprint or a glance. Nothing to remember, nothing to phish.
Questions we are asked most
How long does it take to switch?
Seven working days from the moment you confirm. You choose the date, we do the rest, and anything that arrives at your old account is redirected for three years.
Do I need to pay in a minimum each month?
No. There is no minimum pay-in, no minimum balance and no monthly fee on the Current Account Plus, whatever you use it for.
Can I have more than one account?
Yes. Most customers hold a current account, an easy-access saver and often a multi-currency wallet. There is no charge for holding more than one.
What identification do I need to open one?
Photo identification — a passport or a driving licence — and a selfie so we can match it. Most applications are decided within a few minutes.
Ready when you are
Opening an account takes about five minutes and most are decided the same day.