Charter Savings Bank
UK online savings bank provider
How customers rated this site
3.3
(Based on 20 reviews)
5
4
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About Charter Savings Bank
Charter Savings Bank is part of OSB Group. We offer a range of ISAs, Fixed Rate Bonds, Notice Accounts and Easy Access accounts.
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Charter Savings Bank Reviews
Liam Doyle
Oct 22, 2025
I moved a Stocks and Shares ISA to a…
I moved my Stocks and Shares ISA into a fixed rate Cash ISA, which felt a bit tricky, but the whole thing stayed straightforward. I only spoke to their help team to check one point and there was no hold up answering the phone. The transfer cleared in under ten days from start to finish. Very plea... I moved my Stocks and Shares ISA into a fixed rate Cash ISA, which felt a bit tricky, but the whole thing stayed straightforward. I only spoke to their help team to check one point and there was no hold up answering the phone. The transfer cleared in under ten days from start to finish. Very pleased with the service. Definitely worth it, nice move.
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RT
Oct 17, 2025
Worst banking experience ever!!
Terrible banking runaround all around!!! I tried to open an ISA with you about a month and a half ago, and you kept taking ages to reply, only after I chased every couple of weeks. They kept asking for more papers, first saying email or post copy was fine, then today calling to want the originals... Terrible banking runaround all around!!! I tried to open an ISA with you about a month and a half ago, and you kept taking ages to reply, only after I chased every couple of weeks. They kept asking for more papers, first saying email or post copy was fine, then today calling to want the originals?! I can't trust this lot at all; they have all my details and I'm still annoyed. It's not enough, and I won't send my original passport. Anyway, your loss CSB, as I'm not moving my money to you ever. Sort your stuff out, because for an all-online bank you are doing a pretty awful job and you'll never win new customers?! Bottom line, I won't trust you with any more of my money. Again.
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James
Oct 15, 2025
good interest rate
nice rate, easy site, clear overall communication
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Nora Gallagher
Oct 15, 2025
Took you several months just to open my…
Took ages to get my account opened, I gave them the info they asked for then they said I hadn't done it etc until after a lot of back and forth my account was finally opened. The issue was I handed the required id and they then said they didn't have it, even though they had asked for it and I had... Took ages to get my account opened, I gave them the info they asked for then they said I hadn't done it etc until after a lot of back and forth my account was finally opened. The issue was I handed the required id and they then said they didn't have it, even though they had asked for it and I had already sent it. Totally frustrating through the whole process.
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Alex Carter
Oct 14, 2025
CSB the continuing timewasting and BS.
On the seventh, CSB replied to my note here, promising they would send a letter, proving they read my post carefully. On the thirteenth, another email arrived, with chatter, no background to the issues we faced, and they never managed to contact me, which felt untrue; they never tried calling, an... On the seventh, CSB replied to my note here, promising they would send a letter, proving they read my post carefully. On the thirteenth, another email arrived, with chatter, no background to the issues we faced, and they never managed to contact me, which felt untrue; they never tried calling, and line shows up in every note. CSB lacks integrity, transparency, and professional ethics, leaving a clear impression from how they talk online. Replying through our call centre feels endless, yet they still cannot explain where things went wrong, no matter what you ask. Somewhere else I would take a lower rate, never a problem with other banks I use these days. Just began a second note to Tv's Watchdog again. UPDATE: 15 OCTOBER 2025. CSB ISSUES RESOLVED. CSB did try to reach me earlier. Still, I had not told CSB about any number change. They called yesterday by phone, dialing a number provided by email successfully.
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NovaQuill
Oct 13, 2025
Good website and easy to manage account(s)
Site easy to use and the sign-up was simple. I previously saved with Charter but had to reapply after the account closed when my bond matured - likely a security check. Rates are usually competitive, so it’s worth watching them on days when markets shift.
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Michael Davis
Oct 13, 2025
Painfully slow at transfering an…
Dragging feet moving an existing ISA, and while that drags on, the client ends up poorer from missed interest. The whole process lasts weeks, often months. You may gain more later, but you waste time waiting, and you lose value.
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Alex
Oct 12, 2025
So frustrating.
Really annoying from start. I tried to set up an isa for my son to park his cash while he starts uni. It took ages to authenticate and I had to ring them for over six weeks to figure out what they needed, as an 18yr old doesn't have much ID yet. Finally they accepted what we sent and they opened ... Really annoying from start. I tried to set up an isa for my son to park his cash while he starts uni. It took ages to authenticate and I had to ring them for over six weeks to figure out what they needed, as an 18yr old doesn't have much ID yet. Finally they accepted what we sent and they opened the account, giving us 30days to authenticate and move the funds. Had to wait for him to come home since he was nervous about moving 1k, on day 12 we met and found they had closed the account that morning because we took too long??? What a strange 30days. Really gross frankly. Only giving 2 stars because the call centre was okay. Too late for us though. We'll go somewhere else now.
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Daniel Murray
Oct 10, 2025
Went to renew my maturing fixed rate…
Trying to renew my maturing fixed rate cash ISA through my online account turned out to be a letdown. The rate I got was lower than what a new fixed rate cash ISA would offer. So I headed to Castle Trust Bank to move it in at a nicer rate. Once it matured, the transfer went into their bank, and t... Trying to renew my maturing fixed rate cash ISA through my online account turned out to be a letdown. The rate I got was lower than what a new fixed rate cash ISA would offer. So I headed to Castle Trust Bank to move it in at a nicer rate. Once it matured, the transfer went into their bank, and then they sent the funds to CTB by cheque instead of a cash transfer, which caused a delay where they held my money a few extra days. I'm used to slow withdrawals from my "instant" access savings, but this cash ISA move was the last straw for me.
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Liam Carter
Oct 08, 2025
Transfer completed very quickly.
Transfer finished, very quick.
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Emma
Oct 08, 2025
Any time I call them
Whenever I call them, they always help me, friendly and quick.
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David
Oct 08, 2025
It all seemed much slower to change ISA…
Getting the switch to ISA providers took longer than it should have. It's not helpful to ask a client to move quickly when the providers drag their feet. Their slow actions behind the scenes made the process drag on.
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RT
Oct 06, 2025
Why can't you write a comprehensible…
This date is not comprehensible, and I want a login link on your site. What does this mean anyway? I’m stuck waiting until the 1122025! right now please, really soon.
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David
Oct 03, 2025
Thought they were great until I wanted…
Thought they seemed solid until I tried renewing a yearly ISA. The renewal rate they offered was very low, lower than what they advertised, like they were guiding you to take the easy lower option. So I moved my money to another bank, set everything up in good time, but no! there was one lie afte... Thought they seemed solid until I tried renewing a yearly ISA. The renewal rate they offered was very low, lower than what they advertised, like they were guiding you to take the easy lower option. So I moved my money to another bank, set everything up in good time, but no! there was one lie after another, I had to apply at least three times, and it took three weeks. I won't be back with this bank. The staff felt distant, never helpful, and every answer felt like another delay. I regret staying long.
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David M.
Oct 02, 2025
DISAPPOINTED
I've been with you for years and mostly had decent service, so I feel let down to write this. I tried to set up an easy access cash ISA but couldn't find one on the site, so I rang in to ask. They told me you weren’t offering them and had no idea if or when they'd come back. I was advised to chec... I've been with you for years and mostly had decent service, so I feel let down to write this. I tried to set up an easy access cash ISA but couldn't find one on the site, so I rang in to ask. They told me you weren’t offering them and had no idea if or when they'd come back. I was advised to check every few weeks with no reason given. I think I've got better things to do with my time and I will look for another provider. Sorry Charter As t
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David Clark
Oct 01, 2025
No secure way of sending documents
As of now I still don't have an account opened. They want loads of info but aren't clear on what is okay. For example they want a bank statement to prove my address. But they didn't ask for the choice account, so I sent a different one. Now they're asking for that one. They also want highly sensi... As of now I still don't have an account opened. They want loads of info but aren't clear on what is okay. For example they want a bank statement to prove my address. But they didn't ask for the choice account, so I sent a different one. Now they're asking for that one. They also want highly sensitive personal info, yet there is no secure portal offered. It feels like a huge breach for any company, telling customers to email such private docs. They don't seem to care what might happen because of it. Even I could give others a secure portal. There are countless free options. A financial firm should be required to provide this, and it's hard to believe there's no rule forcing it. I've written to ask for a secure portal, and I warned I might pull my application. They're not the only bank, and this is only for a savings account. I'm not asking for a loan. I'll update this based on their reply. But I feel so strongly about it now, and the awful app process, I had to warn others. If they fix this, I might rethink; until then, warn others widely for safety.
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Liam Carter
Oct 01, 2025
Simplicity and extremely prompt…
Plain setup and quick confirmation. Such rarity these days.
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Ella M
Oct 01, 2025
Managed to transfer my ISA
I moved my ISA without any trouble, and the rate was one of the best around.
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Adam Reed
Oct 01, 2025
Made life easy
Interest rates were fair. The site was simple to use. Moving an ISA from a different provider happened really quickly today.
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Daniel Reed
Oct 01, 2025
Easy ISA transfer
Simple, web signup went fine
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