Where local banking begins

An ethical not-for-profit member-owned bank since 2001 for people living in central southern England.

Dual regulated by the Financial Conduct Authority (213757) and The Prudential Regulatory Authority

The cashback loan

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

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

We’ll help you build savings while you borrow

And, because we’re not-for-profit, our standardplus loan is guaranteed to have a lower interest rate than the top ten banks up to £4,999.

What do our customers say…

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

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.

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.

  • Zero Waste Portsmouth

  • Solent Junior Devils

  • 6th Gosport Scout Group

  • The Mindspace Foundation

  • Basketball 4 Buckland

  • Serv Wessex blood bikes

  • Citizens Advices (Havant)

  • STAND Up Portsmouth

  • Elson Community Library Hub

Make a difference

When you join us and open an account, you’ll become a member.

You’ll own a little bit of our bank with thousands of other members.

It’s your chance to have a say in how your bank is run and how we invest and use our deposits and surpluses.