Sharing income and expenses details with us

 

A quick summary

Asking for a few financial details helps us make sure you get the borrowing options and support that's right for you.

Here, you can find more about why we ask for information on your income and expenses, what we need, and how it helps us give you guidance you can rely on.

Income and expenses sharing explained

Why we ask about your income and expenses

Understanding your financial situation helps us tailor our services to your needs.

What information we ask you to share

We'll ask for details such as:

  • your employment status
  • your yearly income before tax
  • how much you pay towards your rent or mortgage each month
  • how much you spend on education or care each month
  • how many people rely on you financially.

How this can help you

Sharing this information with us:

  • can make applications smoother, as we won’t need to ask for it again
  • helps us match you with products that suit you
  • allows us to spot changes and offer you extra support if you need it.

When and where we’ll ask you

We ask you for these details when you apply for a product.

You can also update it in your profile or in 'Your Credit Score'.

We’ll prompt you to review it in the mobile banking app every 3 months.

Adding or updating your income and expenses details

Mobile app updates

Use the mobile app to add or update details of your income and expenses with us.

Online banking updates

If you don't have the mobile app, you can log in to online banking and add your income and expenses details there. 

Log in

Your privacy matters

Your data is safe with us. We’ll only use it to improve and personalise your experience by recommending products that may be suitable for you. 

You can update your information anytime in the mobile banking app or online banking.

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Important legal information

How much we'll lend, and the rate offered is subject to our assessment of your circumstances. Your credit score is just one of the things we take into account when deciding whether to lend to you.

Your Credit Score is available to UK Residents 18 and over and registered for Internet Banking.

Credit score data is powered by TransUnion and is subject to T&Cs.