Tandem Bank

Tandem Bank, British digital banking with a sustainable approach

Tandem Bank presents itself as a UK digital bank aimed at helping customers get more from their money through tools and insights that simplify financial management. Its proposition combines savings, financing and loan products with a sustainability component: part of customers' deposits helps support green loans, such as solar panels and low-emission vehicles.

Savings: Cash ISAs and savings accounts

The institution offers tax-advantaged savings accounts and ordinary savings accounts. Among the former are the Instant Access Cash ISA, a variable rate account with 4.00% AER and a Top Up option, designed for tax-free savings with access to funds at any time and monthly interest; and the Fixed Rate Cash ISA, a fixed rate of up to 4.93% AER, with fixed monthly interest, guaranteed return over time and an early withdrawal penalty.

For those who have already used up their ISA allowance, the bank offers the Instant Access Saver, a variable rate of 3.40% AER with a Top Up option, 24/7 access to funds and unlimited withdrawals and deposits; and the Fixed Term Saver, a fixed rate of up to 4.75% AER, with no withdrawals during the term, 14 days to fund the account and a guaranteed return. The website includes an explanation of AER (Annual Equivalent Rate) as a reference for comparing the expected return on savings.

Financing and loans

In the lending area, Tandem Bank channels financing through brokers and partners. Its offering includes home loans, with the possibility of a rate discount if the home meets energy-efficiency criteria; home improvement loans, aimed at those who want to make their home more efficient with the help of partners; mortgages; and vehicle finance, focused on electric or lower-emission cars. The institution also has a portal for existing customers to check their balance or make payments, and an access request system for those without credentials.

Green Hub: energy efficiency at home

The bank maintains a space called Green Hub with tools and partners to explore energy-saving products that can help reduce bills and carbon footprint. Featured categories include solar panels, air source heat pumps, energy-efficient windows and more efficient boilers.

Awards and editorial activity

The website displays two Moneyfacts awards: Best App-Only Savings Provider 2025 and Best Customer Service 2025. It also publishes articles on the used car market and the dealer experience, on the evolution of the second charge sales and distribution team, and on the growing importance of monthly affordability in vehicle finance.

Customer service and complaints

The institution reports that the FCA has confirmed an industry-wide scheme to compensate customers who may have been treated unfairly in relation to motor finance commission arrangements. Customers who have already made a complaint do not need to take any further action; complaints continue to be handled in line with FCA requirements. The bank warns that parts of the scheme are subject to legal challenge, which may delay outcomes and payments, and encourages customers not to give up on claiming. To do so, it provides the email commissioncomplaints@tandem.co.uk and refers to the FCA information on motor finance complaints.

Corporate structure and compliance

The company publishes documents on the Modern Slavery Act, the gender pay gap, tax strategy and the Women in Finance Charter. Its workforce and processes are presented around a mission and corporate values, with a second charge sales and distribution team that has evolved to give brokers access to the right expertise at the right time.