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Craig Spence

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Review of the TSB, Business Banking:

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Don't bank here if your an SME Owner.

Don't bank here if your an SME Owner. Their compliance process is severely understaffed and almost impossible to navigate. You’ll spend months going in circles, with new queries raised that could easily have been asked at the beginning. Reaching someone by phone often means sitting on hold for 40+ minutes and while the staff you eventually speak to may be helpful and appear to guide you towards resolution, their advice is regularly contradicted by follow up emails the very next day. This frustrating cycle can repeat multiple times until you finally pass compliance only to then be told your account will be closed within 60 days due to a director’s credit rating, despite the business being fully self funded with no borrowings. If you value efficiency, consistency and reliability, TSB is not the bank for your business. Reviewed on: 20th September 2025

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