Earn 4.25% AER
(4.17% tax free) variable*
In Silver Crest Trust Bank, we do banking differently. We believe that people come first, and that everyone deserves a great experience every step of the way – whether it’s face to face, over the phone, online or on our app.
Are you saving, buying a home or growing your business? We’ve got what you’re looking for. Our products are a breeze to open and incredibly easy to use. Plus, we don’t fork out on expensive branches, so we can deliver better rates for you.
Save up to 4.25% AER with our competitive savings accounts.
Whether you need easy access or a longer-term fix, we've got options. Access your savings through our award-winning app or via the web.
Explore our savings range →Fast, uncomplicated and competitive mortgages.
We offer mortgages for first-time buyers and those remortgaging to a better deal. Apply entirely through our app.
Explore our mortgage range →Fixed and variable rate commercial mortgages up to 75% LTV.
Fixed and variable options for business loans, as well as equity through our Secured Guarantee Scheme (SGS).
Explore our business loans →We are one of the world's first digital banks, legally born and we are here to keep helping people. Better, fairer, more transparent, easier to understand, and app-first.
Your money is protected up to £85,000 by the FSCS. We use bank-grade encryption throughout the app.
As one of the UK's first digital-only banks, we're regulated by the FCA with full FSCS protection. No hidden fees. No stuffy branches. Just banking that works for you — built on transparency and trust.
Discover more about how we're changing banking for our community.
Silver was founded in 2013 to make things better for everyday people. With full banking authorisation in 2015, we grew from strength to strength. We now serve hundreds of thousands of customers with our award-winning savings products. Our easy-access savings accounts have attracted tens of thousands of customers. Many confirm they'd recommend Silver Crest Trust Bank to friends — just read what they say on Trustpilot.
Read the full story →Read the latest reviews from our customers
"Absolutely brilliant. The app is incredibly easy to use and setting up a savings account took just minutes. Best interest rate I could find anywhere!"
— Sarah M.
Verified customer · Trustpilot
"Got our mortgage through Silver Crest Trust Bank. The process was smooth, fully digital, and the rates were competitive. Highly recommend to anyone looking to buy."
— James T.
Verified customer · Trustpilot
"The Cash ISA opened in under 5 minutes. Customer support was responsive and genuinely helpful. Silver really does banking differently — and better."
— Priya K.
Verified customer · feefo
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