Everyday checking
Simple day-to-day account with card controls and real-time payments.
Open checking →Personal Banking
Banking that respects your time, your money, and your peace of mind
Whether you are opening your first account, consolidating your finances, or planning for a major life goal, Poise Commerce Bank gives you a clear, secure digital experience backed by people who can help when the numbers do not tell the whole story. Our personal proposition is simple: strong foundations for everyday spending and saving, with transparent fees and tools that make it easy to see where you stand.
Savings and goals
Build emergency funds and named goals with clear product terms.
View savings →Cards and security
Manage debit and virtual card controls with OTP-backed transfers.
Explore cards →Why customers choose Poise personal banking
Transparent charges
See fees before confirmation and in clear statement descriptions.
Fast digital servicing
Move money, view balances, and manage payees without branch-only steps.
Built-in transfer checks
Email OTP verification adds a deliberate check on outgoing transfers.
Human support when needed
Escalate urgent issues to trained specialists for context-based help.
Current accounts
A Poise current account is built for the rhythm of real life: salary in, bills out, contactless on the go, and real-time balance visibility from any device. You can set up payees, schedule payments, and review transaction history with references that make reconciliation easy when you are budgeting at month end.
We focus on plain English in statements and in-app messages. Where fees apply — for example, certain international item charges or out-of-network ATM use in future network programmes — you will see them in our tariff guide before you confirm, not as a surprise on a statement two weeks later.
- ✓GBP as your primary operating currency, with a simple fee schedule
- ✓Debit card controls, including quick freeze, where product features are enabled for your profile
- ✓Access to our transfer journey with email one-time passcodes for certain payments, for an extra check before money leaves your account
Savings and building habits
Saving is not only about the rate — it is about consistency. We help you split goals (emergency, holiday, home) so you can name what you are working toward. Instant-access and fixed-term options are available subject to product rules and your eligibility when you apply.
Digital first, with human support
You can do most of what you need in online banking. When something is urgent — a card stuck abroad, a payment that does not look right, or a bereavement that affects the estate — we maintain clear routes to a trained colleague who can see your relationship in context, not as a single ticket in a queue.
What we ask of you
In line with regulatory requirements, we verify identity and address when you join us, and we may ask for updated evidence from time to time. This protects every customer on the platform and helps us fight financial crime. We keep requests proportionate and explain why we are asking.
Important: Lending, overdrafts, and certain investment services are subject to status, our credit policy, and separate terms. Nothing on this page is a commitment to provide credit.
Disclosure
Services and features vary by customer segment, jurisdiction, and product. Fees, interest, and foreign exchange conditions are as published in our product literature at the time you take out or renew a product.