We’re aware of a delay in some customers receiving postal communications from us, this is due to an issue with one of our suppliers. We apologise for any inconveniences as we work on a resolution.

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Where are your branches?

Please see our branches page where you can see full addresses and a map to help you find your nearest branch.

What are your opening hours?

You can see a full list of the opening hours for all of our branches here.

How can I find your branch via public transport and where can I park?

Please see our parking and public transport page for the latest information.

Can I arrange to book an appointment?

You can arrange an appointment during the week (Monday to Friday) by calling our Customer Services team on 03451 221122, who will arrange for the branch to contact you to book a convenient time.

How can I get help with a general account enquiry?

If you’re registered to access your account online, please login using your User ID and password. Once logged in, you’ll be able to see your balance, transactions and what rate your account is currently earning.

Alternatively, please call our Customer Services team on 03451 221122 or visit a branch where our teams will be able to help.

How do I make a withdrawal in branch?

You’ll need to provide your passbook when requesting a withdrawal, you may also be asked for additional photo identification.

Branches are able to process a cash withdrawal for branch based accounts only, the daily limit for cash withdrawals is £500 per day per account.

Cheque withdrawals can be processed in branch for up to £99,999.99.

Nominated Accounts - by providing us with details of your nominated account, you can transfer funds by electronic transfer to a linked bank or building society account in a secure manner. Please visit one of our branches with your passbook, proof of the nominated bank account and photo identification, or alternatively you can call our Customer Services team on 03451 221122, where we’ll attempt to verify the bank details electronically.

How do I give you feedback about a branch?

We always welcome feedback about our branches, so we can recognise where we did well and where we can improve our service.

To provide your feedback online please go to tellkentreliance.com. To give us feedback over the phone, please call 0800 011 9079 and enter the PIN corresponding to the appropriate branch below:

Branch name

PIN

Chatham

01

Canterbury

02

Maidstone

03

Strood

04

Hempstead

05

Littlehampton

06

Hythe

07

Gravesend

09

Chichester

010

How do the current changes from the Bank of England affect me?

Please visit the Bank of England website for further information.

What is a nominated bank account?

A nominated bank account is a current account with another UK bank/building society held in your name that has been registered and verified by us. Your nominated bank account is where all electronic payments (apart from internal transfers) out of your Kent Reliance account must be made.

Does the nominated bank account have to be solely in my name or can it be a joint account?

Your nominated bank account can be a sole or joint account. Any current account that you’re named on can be used as a nominated bank account.

Do I have to have a nominated bank account?

In order to send an electronic payment out of your account we require a nominated bank account to be registered and verified by us before the payment request is received.

Where will my interest be paid?

For any account opened from 30 August 2019, if you’ve requested for your interest (if payable) to be paid away from your Kent Reliance account, this will be sent to your nominated bank account.

For accounts opened before 30 August 2019, if payable, interest will be paid into the account you’ve requested when opening the account (or subsequently changed), which may be different to your nominated bank account.

I received a negative interest payment?

Negative interest will be applied to an account for one of the reasons below:

• A withdrawal from or closure of your account resulted in a “loss of interest” in line with the product specifics T&Cs. The accrued interest earned on your account up to the withdrawal/closure did not exceed the amount of lost interest and so negative interest was applied to your account. For example, if you have a 60 day notice account that allows immediate access and you wish to withdraw funds without providing us with the full 60 days’ notice. This withdrawal will result in 60 days of loss of interest on your account as set out in the product specific Ts & Cs.

• A withdrawal from or closure of your account has been made after our systems calculated the monthly interest due for that month. Our systems calculate monthly interest payments on the working day prior to the last working day of the month. If a withdrawal or closure is made after this it may result in us overpaying interest to you. If the amount of accrued interest remaining in the account is less than the amount of overpaid interest, negative interest will be applied to the account.

• When calculating monthly interest, we do so on the basis that each month last 30.416 days (365 days divided by 12 months). This means that in some months, for example February which can have 28 or 29 days, you would receive the same amount of interest as you would in March which has 31 days. This can result in a negative interest being applied if a withdrawal or closure is processed within the first few days of a new month and our system calculates that we have paid interest to your account for more days than we have actually held your funds.

Can I change my nominated bank account?

Yes. You can write to us, call us or visit a branch.

If you are making a withdrawal and opt to change your nominated bank account it will take one working day to validate your new nominated bank account electronically and for the update to take effect.

If you are just changing your nominated account this will take up to 5 working days.

However, if electronic validation is not possible, we may ask you to send us an original Bank/Building Society account statement no more than three months old showing the account details. Until such time the update takes effect, withdrawals made from your account(s) will still be credited to your existing nominated bank account.

How do I set up a nominated bank account?

You must provide details of a valid UK bank/building society current account for your nominated bank account. We’ll electronically verify that this account is held in your name (or in the name of the first applicant in the case of a new joint account application) and you may be requested to provide additional evidence (e.g. an account statement) if we’re unable to verify this information electronically.

Can I have multiple nominated bank accounts?

No. Each customer may only have one nominated bank account. This will be used for withdrawals/payments on all accounts held with us.

We have a joint account, can each of us have our own nominated bank account?

Yes. When opening a joint account, the first applicant must be named on the nominated bank account for the identity verification purposes. Once set up, additional account holders of a joint account may also have a different nominated bank account associated with the joint account.

How soon will I receive my money once I make a payment request?

This depends on the, day and time you submit your withdrawal/payment request. Please refer to our withdrawals page on our website.

How do I contact Kent Reliance?

Please visit our support page for more information.

If you can't help me, can you recommend an adviser?

We cannot recommend a mortgage adviser for you, however the website unbiased.co.uk provides a list of mortgage advisers in your local area.

I have seen a great mortgage on your website. How do I apply for it?

Kent Reliance accepts mortgage applications from mortgage advisers only. If you have a mortgage adviser we suggest you speak to them about our range of mortgages. If you do not have a mortgage adviser, you’ll find a list of mortgage advisers in your local area at unbiased.co.uk.

Can I speak to a mortgage adviser?

Kent Reliance does not have in-house mortgage advisers, so we would suggest speaking to your own mortgage adviser about our range of mortgages. If you do not have a mortgage adviser, then the website unbiased.co.uk provides a list of mortgage advisers in your local area.

Can I speak to someone about mortgages?

Kent Reliance does not have in-house mortgage advisers, so we would suggest speaking to your own mortgage adviser about our range of mortgages. If you do not have a mortgage adviser, then the website unbiased.co.uk provides a list of mortgage advisers in your local area.

What is life assurance?

Life assurance is a simple form of protection. It will provide a lump sum in the event of the death of a policyholder during the term of the life assurance policy. The lump sum can be used to repay the outstanding debt of a mortgage.

For more information please visit the Money Advice Service website at moneyhelper.org.uk or speak to your adviser. If you do not have an adviser then the website unbiased.co.uk provides a list of advisers in your local area.

What is critical illness assurance?

Critical illness policies are designed to pay out a lump sum if a policy owner suffers a specified illness that they survive. Examples of critical illness include heart attack, cancer and stroke. The lump sum can be used to repay the outstanding debt of a mortgage.

For more information please visit Money Advice Service website at moneyhelper.org.uk or speak to your adviser. If you do not have an adviser then the website unbiased.co.uk provides a list of advisers in your local area.

How do I transfer my ISA to Kent Reliance from my existing ISA provider?

Please find our full details here. 

How to I transfer my existing Kent Reliance ISA to a new ISA provider?

 Please find our full details here. 

How do you define ‘personal data’?

We will receive personal data about you from a variety of sources including from you, information we collect about you when you use our banking services online, information we receive from other sources including from applicants or account holders, persons who represent or advise you including a person appointed under a Power of Attorney, your bank or building society, fraud prevention agencies, the Cash ISA Transfer Service, persons working on our behalf and providing services to us, marker researches, government, tax and law enforcement agencies and other companies within the OSB Group.

We will also receive and create personal data about you during the course of the application for, and our administration of, an account, for example from emails, telephone calls, letters and other documents. We may also obtain data about you that is publicly available, such as from the Electoral Register and the Internet.

What are the ‘special categories’ of personal data?

Some personal data for example data about your health, racial or ethnic origin is subject to additional rights and are described as “special category data”.

We will not routinely ask for or record special category data but we may record details about your health if it is necessary and relevant for the management of the account(s) (e.g. so we can make reasonable adjustments to assist you in accessing and managing your account(s), which may include sending you information in braille or large print, or if we think you are experiencing circumstances which may lead you to be financially or otherwise vulnerable).

We will only do this if you have confirmed your explicit consent to us doing so, or where we are legally permitted or required to process this information without seeking your consent. Where we have obtained your consent to us processing special category data in this way, you are entitled to withdraw your consent to this at any time.

Please contact us if you wish to do so but that may affect our ability to manage your account in the most appropriate way for you. If you withdraw your consent, we will not continue to process this information for these purposes, but it will not impact the validity of any processing undertaken before you withdrew your consent.

What does ‘processing personal data’ mean?

Data protection law requires that we meet certain conditions before we are allowed to use your data in the manner described in this privacy notice. We rely on the following legal grounds in order to process your data:

Processing of your data is necessary for the performance of a contract you are party to or to take steps at your request prior to entering into a contract

When you open an account with us, you enter into a legal contract under which we provide banking services to you. We require certain personal data in order to establish a contractual relationship. For example, you provide information about yourself in application forms, without which we would be unable to identify you or verify your suitability for the services requested.

Processing of your data is necessary for compliance with a legal obligation which we are subject to

We are required to process certain personal data in order to comply with our legal and regulatory obligations including UK anti-money laundering regulations, for the purposes of ongoing fraud detection and reporting and to ensure the fair treatment of vulnerable customers.

We have obtained your consent

We may process certain information where you have provided your consent for us to do so. For example, you may provide us with your explicit consent to process certain special category data such as health data (for example, to inform us about hearing difficulties) where this assists us in providing services to you.

Where we rely upon your consent in order to process your personal data you may withdraw this consent at any time.

We may also provide you with certain marketing information including third party services or products where you have provided your consent for us to do so.

Processing your data is necessary to protect your vital interests or the vital interests of another person.

In exceptional circumstances we may also process information where this is necessary to protect you or another person and where you are physically or legally incapable of providing consent.

Processing of your data is necessary for the purposes of the legitimate interests pursued by us or by a third party, except where such interests are outweighed by your interests, fundamental rights and freedoms

Personal data is processed where it is necessary for our legitimate interests including to help us manage our business and to analyse, assess and improve the viability and popularity of our products. It is also processed to enable us to respond to queries, complaints and for the establishment and defence of legal rights.

Personal data is shared with external Credit Reference Agencies (CRAs) and Fraud Prevention Agencies (FPAs).

Why do you need to process my data?
Where’s my personal data held and do you transfer my data outside of the UK?

We may share your personal information with any member of OSB Group, which means any subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 1159 of the UK Companies Act 2006.

We will only disclose your information to:

We may disclose your personal information to third parties: 

What types of personal data do you process?

We may process a wide variety of data about you, where necessary, for the purposes set out in the “How We Use Your Data” section, including data about:

How long personal data is kept for?

We will retain information about you for the period necessary to fulfil the purposes for which the information was collected. After that, we will anonymise or delete it. The retention period may vary depending on the purposes for which the information was collected.

Where a specific legal or regulatory requirement applies to your information we will retain it for at least the period of time specified in such legal or regulatory requirement. In the absence of a specific legal or regulatory requirement, we will usually retain your information for up to seven years following the end of your relationship with us or, in relation to certain mortgage lending, the closure of a specific mortgage account. However, we may occasionally be required to extend a retention period if the information is required for ongoing litigation, regulatory, tax or accounting purposes.

Please also note that FPAs can hold your personal data for different periods of time, and if you are considered to pose a fraud or money laundering risk, your data can be held for up to six years.

How we use your personal data to make automated decisions?

Sometimes we may use your personal data to make an automated decision (applicable to certain products only). These help to ensure that our decisions are quick, fair and efficient based on the data we have about you. The type of automated decisions we may make are:

These automated decisions may also take into account details of any products you already have with the OSB Group.

You may ask us not to make automated decisions about you by contacting our Data Protection Officer, or ask us to review any automated decision that we have made taking account of any additional information you wish to provide to us.

What are identity theft and identity fraud?

Identity theft:
Identity theft happens when fraudsters access enough information about someone’s identity (such as their name, date of birth, current or previous addresses) to commit identity fraud. Identity theft can take place whether the fraud victim is alive or deceased.

Identity fraud:
Identity fraud can be described as the use of that stolen identity in criminal activity to obtain goods or services by deception.

Fraudsters can use your identity details to:

It’s worth noting that stealing an individual’s identity details doesn’t, on its own, constitute as identity fraud. But using that identity for any of the above activities does.

The first you know of it may be when you receive bills or invoices for things you haven’t ordered, or when you receive letters from debt collectors for debts that aren’t yours.

What is phishing?

Phishing is an attempt to trick someone into giving information over the internet or by email that would allow a fraudster to take money from them and/or steal their identity.

What is vishing?

Vishing is the act of using the telephone in an attempt to scam the user into surrendering private information that will be used for identity theft.

Sometimes you'll be asked for your details there and then over the phone, or the fraudster may tell you to visit a fraudulent website.

It's important to note that some scammers will suggest calling the organisation in question back, possibly to make you feel more secure. However, the fraudster may stay on the line and trick you into thinking you're now speaking with somebody else. Therefore, it's important to call a number you know to be genuine on a different telephone or device to ensure this isn't possible.

What is smishing?

Smishing is when fraudsters obtain personal details of victims by SMS (text message). Texts will usually contain a link, which will redirect to a website that’ll either download a virus to your smartphone or ask you to input personal details.

What are copycat websites?

Unfortunately, fraudsters go to great lengths to try and trick people into parting with their hard earned money and that includes creating websites that look very similar to that of genuine organisations.

There are some things that they don’t get quite right though so if you find yourself visiting a website through an email or text message and you have a feeling something is wrong, make sure you do your research first. Here are some tips:

Spelling mistakes: These can be very small and even appear in the website address which could be easily missed - if you’re not sure, consider searching the internet for the exact name of the business you’re dealing with, and double check that you end up at a website with the same address.

Call the company: If you want some extra reassurance, call the company you think you’re dealing with. They’ll be more than happy to help you get to the right place and grateful for the report if the website you have found is a copycat.

Check for scam websites: Through Citizens Advice, you can check if something might be a scam online or if you’d prefer to speak to somebody, you can get in touch with a scams advisor.

If it’s a financial services provider that you’re trying to identify as legitimate, like a savings provider for example, you should always check the Financial Conduct Authority’s (FCA) register to make sure that they’re authorised to provide the service they’re offering.

The FCA register also provides a link to the firm’s official website which means you can be sure that you’re in the right place.

What will fraudsters say?

Fraudsters of this kind will often pretend to be from your bank – or any other company you do business with. They’ll usually claim there is a problem with your account or tell you that urgent action needs to be taken to ensure you’ll not be charged or have your account closed.

They’ll then either ask you for your details directly, ask you to follow a link or to download an attachment. Depending on the scam, these links may either download a virus to your device or lead to a website asking you to input your details which they’ll in turn steal.

Protecting yourself from fraud and cyber crime

To stop yourself becoming a victim of identity fraud, you can follow these tips to help keep your personal information safe:

  1. Don’t give out personal information (name, address, bank details, email or phone number) to organisations or people before verifying their credentials

    Always question unsolicited calls, texts or emails requesting your personal or financial information
  2. Make sure your computer has up-to-date anti-virus software and a firewall installed. Ensure your browser is set to the highest level of security and monitoring to prevent malware issues and computer crimes.

    Installing, or enabling, antivirus software on your laptops and computers will protect them from viruses and hackers.

    If you receive an email or SMS that looks odd – Don’t open any links or attachments. These can put a virus on your phone or computer.
  3. Many frauds start with a phishing email. Remember that banks and financial institutions won’t send you an email asking you to click on a link and confirm your bank details. Don’t trust such emails, even if they look genuine.

    You can always call your bank using the phone number on a genuine piece of correspondence, website (typed directly into the address bar) or the phone book to check if you’re not sure.
  4. Destroy and preferably shred receipts with your card details on and post with your name and address on. Identity fraudsters don’t need much information in order to be able to clone your identity.
What should I do if I suspect a call, text or email is fraudulent?

If you feel you may be a victim of a phishing, vishing or smishing scam, contact us (or the business in question) immediately to ensure no fraudulent activity has occurred and report it to Action Fraud. To alert us to any suspected fraud or scam, please email us at customer.security@krbs.co.uk or call us on 0800 077 8210 and we’ll be happy to help you.

If you have a call that you suspect is an attempt at fraud, hang up and call a number that you know is genuine from a different phone from the one you were previously talking on.

For more information on Fraud and how to protect yourself:

How do I make a complaint with Kent Reliance?

Please visit our complaints page.

Is my business eligible to open a Business savings account online?

To open a Business savings account online, your company must be a Private Limited business registered in the UK with fewer than three Directors and major Shareholders.

Your details must also be registered and up to date at Companies House.

Who is an Authorised User?

An Authorised User is an individual who is designated to operate the Business savings account on behalf of the Company. At account opening, every Director and major Shareholder of your Company must be set up as an Authorised User so that the necessary identification checks can be conducted on each of them as part of the application.

A maximum of three Authorised Users may operate the accounts of a Company at any one time.

What happens if my Company has more than three Directors or major Shareholders?

Unfortunately if your Company has more than three Directors and major Shareholders, you are not eligible to open a Business savings account with Kent Reliance.

What happens if my Company has major Shareholders who are not also Directors?

Unfortunately if your Company has Shareholders who are not Directors, you are not eligible to open a Business savings account with Kent Reliance.

Do I need to send in any evidence of identification for my Company or for the Authorised Users to open my account?

Details about your Company and its Authorised Users will be retrieved and verified from Companies House. Once you have submitted your online application, before allowing you to fund the account, we will check the identity and address of each Authorised User. These checks are carried out electronically to make it as easy as possible for you. Sometimes we are unable to carry out the checks electronically and we may ask you to send in some additional evidence of identification by post. We will let you know if we need any additional information at the end of your application.

Details about your Company, Directors and major Shareholders retrieved from Companies House will not be editable within your application.

What happens if the information retrieved from Companies House about my Company is incorrect?

If inaccurate or incomplete information is retrieved from Companies House, before submitting your application, you will need to contact Companies House and correct your details.

How long will Companies House take to correct and update my details?

Companies House should tell you how long it will take to correct and update details held on their systems; however this is usually 2-3 working days.

What is a nominated bank account?

Your Company will need to have a valid UK Bank or Building Society current account held in the Company's name. The account must allow transfers to be made and received electronically and will be known as the nominated bank account. We will need the sort code and account number for the nominated account to complete the application. All deposits into and withdrawals from your Kent Reliance account must be from or to the nominated account.

Will you inform me once my opening deposit has reached my new Kent Reliance business savings account?

Yes, as soon as your opening deposit has reached your Kent Reliance Business savings account, an email and SMS (if a mobile number has been registered) will be sent to each Authorised User confirming receipt of funds.

A letter confirming that the new account is open will be sent to the trading address of your Company once the initial deposit has been received.

Documents section

Whether you're a new or existing customer, you'll find all the documents you need below to help run your account smoothly.

    open filter options Filter

    File name
    Customer type
    File type
    Last updated
    Action
    Savings General Terms and Conditions
    All
    Download PDF file
    03/07/2023
    Account withdrawal or closure
    All
    Download PDF file
    07/10/2024
    Deceased estate indemnity form
    All
    Download PDF file
    07/10/2024
    Proof of Name and Address
    All
    Download PDF file
    07/10/2024
    Standing Order Form
    All
    Download PDF file
    07/10/2024
    Online Services Terms and Conditions
    All
    Download PDF file
    03/07/2023
    FSCS information sheet (Savings Account)
    All
    Download PDF file
    07/10/2024
    Additional Operator Form
    Branches
    Download PDF file
    07/10/2024
    How we’ll put things right
    All
    Download PDF file
    07/10/2024
    Business savings account – adding or removing an individual
    Business-Savings
    Download PDF file
    07/10/2024
    Business savings proof of ID and address
    Business-Savings
    Download PDF file
    07/10/2024
    FSCS information sheet (Business Account)
    Business-Savings
    Download PDF file
    07/10/2024
    The Demelza Children’s savings account application form
    Savings
    Download PDF file
    14/07/2023
    Privacy Notice - Savings and Investments
    All
    Download PDF file
    01/06/2022
    Privacy Notice - Website Users
    All
    Download PDF file
    01/09/2022
    Bereavement leaflet (Checklist)
    All
    Download PDF file
    07/10/2024
    Business Savings Terms and Conditions
    Business-Savings
    Download PDF file
    03/07/2023
    Application for missed ISA subscription
    ISAs
    Download PDF file
    07/10/2024
    Important information about your savings account
    All
    Download PDF file
    07/10/2024
    Form to reclaim funds from a lost account
    All
    Download PDF file
    07/10/2024
    Deceased customer account(s) closure form
    All
    Download PDF file
    07/10/2024
    Guide to ISA transfer - Transferring your cash ISA
    ISAs
    Download PDF file
    07/10/2024
    Transferring your ISA to Kent Reliance - cash ISA checklist
    ISAs
    Download PDF file
    07/10/2024
    Tariff of mortgage charges
    Mortgages
    Download PDF file
    01/01/2022
    Privacy Notice - Mortgages and Loans
    Mortgages
    Download PDF file
    01/06/2022
    Valuation fee scale
    Mortgages
    Download PDF file
    07/10/2024
    Bereavement flyer
    Mortgages
    Download PDF file
    07/10/2024
    How we'll put things right (mortgages)
    Mortgages
    Download PDF file
    07/10/2024
    Current interest rate sheet
    All
    Download PDF file
    26/09/2024
    Need support people
    Need support?

    Whether you prefer to reach us by phone, email, or in person at one of our local branches, we're ready to provide the help you need. Alternatively, you may be able to find the answer you’re looking for by choosing from the topics on our Support page.

    Need to visit a branch?

    View your nearest branch or see our full list here.

    More About Us

    Our recent awards

    Need Support awards

    Our Community and Charity Partnerships

    Charity and Community

    Please see our branches page where you can see full addresses and a map to help you find your nearest branch.

    You can see a full list of the opening hours for all of our branches here.

    Please see our parking and public transport page for the latest information.

    You can arrange an appointment during the week (Monday to Friday) by calling our Customer Services team on 03451 221122, who will arrange for the branch to contact you to book a convenient time.

    If you’re registered to access your account online, please login using your User ID and password. Once logged in, you’ll be able to see your balance, transactions and what rate your account is currently earning.

    Alternatively, please call our Customer Services team on 03451 221122 or visit a branch where our teams will be able to help.

    Please visit the Bank of England website for further information.

    A nominated bank account is a current account with another UK bank/building society held in your name that has been registered and verified by us. Your nominated bank account is where all electronic payments (apart from internal transfers) out of your Kent Reliance account must be made.

    Your nominated bank account can be a sole or joint account. Any current account that you’re named on can be used as a nominated bank account.

    In order to send an electronic payment out of your account we require a nominated bank account to be registered and verified by us before the payment request is received.

    For any account opened from 30 August 2019, if you’ve requested for your interest (if payable) to be paid away from your Kent Reliance account, this will be sent to your nominated bank account.

    For accounts opened before 30 August 2019, if payable, interest will be paid into the account you’ve requested when opening the account (or subsequently changed), which may be different to your nominated bank account.

    Negative interest will be applied to an account for one of the reasons below:

    • A withdrawal from or closure of your account resulted in a “loss of interest” in line with the product specifics T&Cs. The accrued interest earned on your account up to the withdrawal/closure did not exceed the amount of lost interest and so negative interest was applied to your account. For example, if you have a 60 day notice account that allows immediate access and you wish to withdraw funds without providing us with the full 60 days’ notice. This withdrawal will result in 60 days of loss of interest on your account as set out in the product specific Ts & Cs.

    • A withdrawal from or closure of your account has been made after our systems calculated the monthly interest due for that month. Our systems calculate monthly interest payments on the working day prior to the last working day of the month. If a withdrawal or closure is made after this it may result in us overpaying interest to you. If the amount of accrued interest remaining in the account is less than the amount of overpaid interest, negative interest will be applied to the account.

    • When calculating monthly interest, we do so on the basis that each month last 30.416 days (365 days divided by 12 months). This means that in some months, for example February which can have 28 or 29 days, you would receive the same amount of interest as you would in March which has 31 days. This can result in a negative interest being applied if a withdrawal or closure is processed within the first few days of a new month and our system calculates that we have paid interest to your account for more days than we have actually held your funds.

    Yes. You can write to us, call us or visit a branch.

    If you are making a withdrawal and opt to change your nominated bank account it will take one working day to validate your new nominated bank account electronically and for the update to take effect.

    If you are just changing your nominated account this will take up to 5 working days.

    However, if electronic validation is not possible, we may ask you to send us an original Bank/Building Society account statement no more than three months old showing the account details. Until such time the update takes effect, withdrawals made from your account(s) will still be credited to your existing nominated bank account.

    You must provide details of a valid UK bank/building society current account for your nominated bank account. We’ll electronically verify that this account is held in your name (or in the name of the first applicant in the case of a new joint account application) and you may be requested to provide additional evidence (e.g. an account statement) if we’re unable to verify this information electronically.

    No. Each customer may only have one nominated bank account. This will be used for withdrawals/payments on all accounts held with us.

    Yes. When opening a joint account, the first applicant must be named on the nominated bank account for the identity verification purposes. Once set up, additional account holders of a joint account may also have a different nominated bank account associated with the joint account.

    This depends on the, day and time you submit your withdrawal/payment request. Please refer to our withdrawals page on our website.

    Please visit our support page for more information.

    Please visit our complaints page.

    To open a Business savings account online, your company must be a Private Limited business registered in the UK with fewer than three Directors and major Shareholders.

    Your details must also be registered and up to date at Companies House.

    An Authorised User is an individual who is designated to operate the Business savings account on behalf of the Company. At account opening, every Director and major Shareholder of your Company must be set up as an Authorised User so that the necessary identification checks can be conducted on each of them as part of the application.

    A maximum of three Authorised Users may operate the accounts of a Company at any one time.

    Unfortunately if your Company has more than three Directors and major Shareholders, you are not eligible to open a Business savings account with Kent Reliance.

    Unfortunately if your Company has Shareholders who are not Directors, you are not eligible to open a Business savings account with Kent Reliance.

    Details about your Company and its Authorised Users will be retrieved and verified from Companies House. Once you have submitted your online application, before allowing you to fund the account, we will check the identity and address of each Authorised User. These checks are carried out electronically to make it as easy as possible for you. Sometimes we are unable to carry out the checks electronically and we may ask you to send in some additional evidence of identification by post. We will let you know if we need any additional information at the end of your application.

    Details about your Company, Directors and major Shareholders retrieved from Companies House will not be editable within your application.

    If inaccurate or incomplete information is retrieved from Companies House, before submitting your application, you will need to contact Companies House and correct your details.

    Companies House should tell you how long it will take to correct and update details held on their systems; however this is usually 2-3 working days.

    Your Company will need to have a valid UK Bank or Building Society current account held in the Company's name. The account must allow transfers to be made and received electronically and will be known as the nominated bank account. We will need the sort code and account number for the nominated account to complete the application. All deposits into and withdrawals from your Kent Reliance account must be from or to the nominated account.

    Yes, as soon as your opening deposit has reached your Kent Reliance Business savings account, an email and SMS (if a mobile number has been registered) will be sent to each Authorised User confirming receipt of funds.

    A letter confirming that the new account is open will be sent to the trading address of your Company once the initial deposit has been received.

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