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You can pay money into your account, subject to the specific terms and conditions of any particular account.


In general:


    Savings Accounts

  • You can add to your savings as and when you like, up to a maximum balance of £1,000,000.
  • Cash ISAs

  • You can add to your ISA, subject to HM Revenue and Customs (HMRC) limits and the specific terms and conditions of your account. The maximum you can subscribe to a cash ISA in the current 2021/2022 tax year is £20,000.

You cannot add to existing bonds, but you can open additional bonds (subject to availability).


The table below sets out:


  • The various ways you can pay money into your account, depending on how you opened it.
  • When those funds will be available to withdraw.
  • If payable, when interest will be earned.

Channel by which account was opened

Branch
Post
Online  Interest
Cash
You can make cash deposits at any of our branches. The funds will be available in your account the same day.  You cannot make cash deposits into this type of account. 
You cannot make cash deposits into this type of account. 

Where interest is payable, interest will be earned from the day the funds are deposited into your account until the day before withdrawal, closure of transfer.

Cheque
You can pay in a cheque at a branch. 
You can send a cheque to our Customer Services address: OneSavings Bank, Sunderland, SR43 4AB
You can send a cheque to our Customer Services address: OneSavings Bank, Sunderland, SR43 4AB
Where interest is payable, interest will be earned from the day the funds are deposited provided the cheque is deposited before 12pm on a working day. See section below for further information relating to when interest is earned.
Electronic Transfer
You can make electronic payments (e.g., CHAPS, bank transfers) from another account held with us or another bank/building society into your account. The funds will usually be available as cleared funds in your account on the same working day we receive them.
When making an electronic payment to us, please note our sort code is provided by NatWest as it acts on our behalf as our clearing bank.
Where interest is payable, interest will be earned from the working day that we receive the funds until the day before withdrawal, closure or transfer.

If you’re simply paying in money into a Kent Reliance account held by someone else in branch, we’ll record the deposit on our banking system and give you a receipt, but we won’t update that account holder’s passbook unless they’re present. Account holders shouldn’t give their passbooks to anyone else.


How we treat cheques


Branch account Postal and online accounts
Cheques deposited at a branch on a working day will, if payable, begin to earn interest the same day. Cheques deposited on a non working day will, if payable, begin to earn interest the next working day.
Cheques received after 12.00pm on a working day or on a non working day will, if payable, begin to earn interest the next working day.

You must allow six clear working days for clearance on all cheques paid in before a withdrawal can be made against them. We’re not responsible for the early clearing of any cheques.


Unpaid cheques


If you deposit a cheque into your account, which is subsequently returned unpaid by the bank or building society it’s drawn on, we’ll debit your account with the amount of the cheque (and any interest paid). We’ll write to you and if applicable, request for your passbook to be amended.


Confirmation of Payee (CoP)

CoP has been introduced by the finance industry to help tackle fraud. Keeping your money safe and secure is a top priority and this new account name checking service is in place to ensure you're sending your payment to the correct person or business.

When you’re setting up an electronic payment from your external bank account to a Kent Reliance account you haven’t paid into before, you’ll need to choose the account type as ‘business’ and be sure to use the payee information exactly as detailed below.

Electronic payments and standing orders


To fund your account by electronic payment or standing order (subject to the specific terms and conditions of your account), you’ll need to quote the following details:


Payee Name Kent Reliance
Sort Code 62-24-97 *
Account  number 01234567
(take the numbers from your account number and add a ‘0’, as shown
in the example)
(example e.g., ABC1234567KRB would become 01234567)
Reference   ABC1234567KRB
(quote the full account number of the account you’re paying into,
including the letters at the beginning and the end, as shown in the example)
Account type Business

Funds will usually be available as cleared funds in your account on the same working day we receive them.


Please note: the above details cannot be used for CHAPS payments


CHAPS


To pay money in by CHAPS (payments will be processed the same working day if they’re received by 4pm) please use the following details:


Payee Name Kent Reliance
Sort Code 60-05-09 *
Account  number 55258085
Reference   ABC1234567KRB
(quote the full account number of the account you’re paying into,
including the letters at the beginning and the end, as shown in the 
example)
Account type Business

Please note: that your bank/building society may charge for sending funds to us via CHAPS


Funds will usually be available as cleared funds in your account on the same working day we receive them.


*Please note our sort code is provided by NatWest as it acts on our behalf as our clearing bank.