Skip to content Go to accessibility help
We use cookies to keep our websites easy to use and relevant to our users’ requirements and to enable us to learn which advertisements bring users to our website. Select Accept below if you wish to proceed or How to change your cookies for instructions on how to manage your cookie settings. Find out more about our Cookie Policy.

How to manage your money better

Useful tools & resources

To help our customers better understand their current finances we are providing access to the range of interactive online tools which have been created by the Money Advice Service (MAS) – an independent service, set up by government.

These tools will help you to understand the world of money and how to make it work for you.

Money health check

Take the money health check which will give you some tips for a healthier financial lifestyle - now and in the future. The health check aims to help you identify your financial needs and make your financial decisions.

MAS money health check (opens in a new window)

Debt test

The debt test aims to help you find out whether you have - or are likely to have - problems with borrowing. It also has tips on what to do if you find yourself in difficulties.

MAS debt test (opens in a new window)

Budget planner

Use the budget planner to work out what money you've got coming in against your outgoings.
The budget planner will help you get started. But do make sure you include all the income and expenditure particular to your circumstances.

MAS budget planner (opens in a new window)

Loan calculator

You can use this loan calculator to work out what your monthly repayments would be for various loan amounts, repayment periods and annual interest rates. This could help you decide whether or not you can afford to take a loan out, and also to compare how much you would actually be paying back with different offers you might be considering.

MAS loan calculator (opens in a new window)

Firm check service

Check that the firm you are dealing with is authorised by the Financial Conduct Authority, or is the agent of an authorised firm, before you do business with them.

FCA firm check service (opens in a new window)

You are here:  Personal Banking