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Get in touchFrequently asked questions
Quick answers to the things we hear most.
How do I open a current account?
You can open an Alloy Bank current account online in around 10 minutes. All you need is a smartphone, a valid UK address, and proof of identity.
What savings rates do you offer?
We currently offer an easy-access savings account at 4.6% AER and a 1-year fixed-rate account at 5.1% AER.
How does the mortgage application work?
Start with a decision in principle online — around 10 minutes, no impact on your credit score. An advisor then guides you through the full application.
Is my money protected?
Yes. Alloy Bank is regulated by the FCA and PRA. Eligible deposits are protected by the FSCS up to £85,000 per person.
How do I switch banks to Alloy Bank?
We use the Current Account Switch Service, which moves your direct debits and standing orders automatically within 7 working days.
What do I do if my card is lost or stolen?
Open the app and freeze your card from Card Controls, then order a replacement. You can also call our 24/7 fraud line.
How do I contact Alloy Bank support?
In-app chat is fastest — a real person answers seven days a week, 7am to 11pm. You can also call the number on the back of your card.
Do you have physical branches?
We have 140 branches across the UK. Use the branch finder for opening hours and appointments.
How do I reset my app password or PIN?
Tap 'Forgot passcode' on the sign-in screen and verify with a one-time code and your card details.
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