Quick, clear answers to your most common banking questions. Can't find what you need? Our team is one click away.
Opening a new account is easy and takes under 5 minutes. Click "Create Account" above, complete your identity verification, and you're live. You'll need a valid ID and a UK mobile number. There's no minimum deposit to get started.
Our Easy Access Cash ISA currently pays 4.25% AER (4.17% tax free) variable. Fixed-rate bonds range from 3.80% to 4.50% AER depending on term. Rates are reviewed regularly — check our savings page for the latest.
Yes. Silver Crest Trust Bank is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA). Your eligible deposits are protected up to £85,000 per person by the Financial Services Compensation Scheme (FSCS).
Absolutely. Our app uses 256-bit encryption, multi-factor authentication, and biometric login. We monitor for suspicious activity 24/7 and will alert you to any unusual transactions instantly. You can also freeze your account from the app in seconds.
We believe in radical transparency. There are no monthly maintenance fees on personal accounts. No fees on FSCS-protected deposits. Any applicable charges are clearly stated upfront — always. View our full fee schedule in the app or on our fees page.
Our support team is available 24/7 by phone on , via live chat in the app, or by email at support@silvercrestrust.com. We typically respond to emails within a few hours. For urgent matters, always call or chat.
We offer residential mortgages for first-time buyers and home movers, remortgage products, buy-to-let mortgages, and commercial mortgages up to 75% LTV. Apply entirely through our app in under 15 minutes.
Immediately freeze your card via the app (Settings → Card Controls → Freeze). Then call our 24/7 hotline on and we'll cancel and replace your card, typically within 1–2 business days.
Yes. We accept ISA transfers from previous tax years. The transfer process preserves your ISA allowance and takes 15 business days on average. Start the transfer request in our app and we handle the rest.
Our Easy Access Cash ISA allows unlimited withdrawals with no penalty. Fixed-rate accounts do not allow early withdrawals. Notice accounts require the specified notice period (30 or 95 days) before funds are released.
