Income and Expenditure Assessment

Complete our income and expenditure assessment, so that we can understand your situation and give you support

Get personalised financial support

If you've missed a bill or payment, or think you might do soon, let us know as soon as you can. Answer a few questions on our income and expenditure assessment to give us a better idea of your current financial situation. This can help us to give you personalised support, no matter what financial difficulty you might be experiencing.

What to expect

We've teamed up with consents.online to give you a safe and secure way to tell us about your income and expenditure. It should only take 10 to 15 minutes to complete and it won't impact your credit rating.

We'll ask you for:

  • basic information about yourself
  • your current employment status
  • your current monthly income and outgoings – such as your salary and mortgage payments or rent

Who can complete the income and expenditure assessment?

If you're the main cardholder, you can get personalised support.

Fill in the income and expenditure assessment

You will need to answer a few questions to let us know what you're going through. You'll only need to complete this form once, even if you hold multiple products.

Complete the form

What happens next?

Once you've submitted the form, we'll contact you via email within 3 working days to let you know the outcome of your assessment. Please ensure the email address you provide us with is correct and up to date. This may include further tailored support online, or ask you to contact one of our friendly team, who'll be able to use the information you've already provided to work out the best options for you. Just so you know, some of the solutions we offer may impact your credit rating, but we'll let you know if this is the case.

FAQs

Will completing the assessment affect my credit rating? 

No, providing us with your details won’t have any impact on your credit rating.

What's consents.online? 

consents.online is a regulated provider of Open Banking that lets you be sure that you're only sharing the information you want to, when you want to. And you can be sure you know exactly who's looking at it.

This is provided free of charge to help you provide your information for the income and expenditure assessment more quickly and easily.

How do I use consents.online?

To use consents.online through Open Banking,  you'll need the username and password you use to log on to your main bank account. This will be the account where you receive your salary and make bill payments from.

Alternatively, you can provide your details manually.

The easiest way to use consents.online is to open the income and expenditure assessment from your mobile, but you can also use your browser.

 

Get in touch

If you've got a question about filling in the income and expenditure assessment, or you need to speak to us, contact us.

If you're concerned about your immediate financial situation, it's best to get in touch as soon as possible. As a responsible lender, we'll work with you to ensure you can keep in control of any money concerns you may have, whether they are short or long term.

Chat with us

A quick and easy way to get in touch with us for any account specific queries is to use our ‘Chat with us' service. This can be found within our Mobile Banking App or within Internet Banking.

Sign in to Internet Banking (link opens in a new window)

Call us

Talk to our team of experts about your financial circumstances on
0345 300 1312.

Lines are open 8am-6pm Monday to Friday and 8am-4pm Saturday.

Virtual assistant

Have a question about your financial circumstances? Just ask our virtual assistant to see if it can help

Just ask

Further help and support available to you

StepChange

Offering free debt advice and support in tackling your debts.

Visit StepChange
or call 0800 138 1111

Money Helper

Offering free and impartial money advice as well as tools to help improve your finances.

Visit Money Helper
or call 0300 500 5000

National Debtline

Offering free and independent debt advice.

Visit National Debtline
or call 0808 808 4000

Citizens Advice

Offering free, impartial advice on debt and money, work, benefits and more.

Visit Citizens Advice
or call 03444 111 444