Terms & conditions

Welcome to our site. There are a few things we need to cover here: none of it surprising. But if you want to suggest or fix something, please tell us. Because dull as small print is, it matters.

We aren't recommending anything here.

This site is not making any personal recommendations or an offer for investment of any sort.

This site is only for UK residents.

This site for UK residents only. Please don’t use or distribute it in any way elsewhere. If you use the content on the site, it’s your responsibility to comply with the relevant local laws.


We use cookies on our site.

Like most companies, we use cookies to store small amounts of information on your computer. This makes it easier for you to log in and use our site. If you’re unhappy about our using cookies they can easily be disabled.

What are cookies?

Cookies are tiny files that are stored on your computer that allow us to recognise you and remember your preferences when you return to our site. We use cookies to improve your experience of our site so that it’s as convenient as possible.

Other people's cookies.

We also use some cookies provided by other companies whom we trust. These cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content.

Disabling cookies.

Should you wish to, you can prevent the storage of cookies by adjusting the settings on your browser (see your browser help for how to do this). Disabling cookies will usually result in disabling certain functionality and features of this site. Therefore, it is recommended that you do not disable them.


How the bank works.

We aim to be as open as possible about how our bank works. As part of this you are welcome to read our regulatory “Pillar 3” disclosures and the Tandem Group Tax Strategy. These are published every year to provide information on the bank’s risks, capital, and risk management procedures.