Our Services
Straightforward banking products designed to help you save, borrow, and manage your money with confidence
Banking That Works for You, Whatever Your Needs
From everyday current accounts to fixed rate savings and mortgages, we offer a full range of products with fair rates and no hidden surprises.
Current Accounts
Choose from our fee-free standard account or a packaged account with travel insurance, mobile cover, and breakdown assistance included.
Savings Accounts & ISAs
Easy access savers, fixed rate bonds, notice accounts, and cash ISAs — all with competitive rates and clear terms from the start.
Stocks & Shares ISA
Ready to invest? Our stocks and shares ISA lets you invest up to £20,000 each tax year, with all growth free from income and capital gains tax.
Faster Payments & Transfers
Send money in seconds with Faster Payments. Most transfers arrive almost instantly, whether you're paying a bill or sending money to family.
Mortgages & Lending
First-time buyer, remortgage, buy-to-let, and personal loans — speak to our advisers and find the right deal for your circumstances.
Business Banking
Current accounts, savings, and lending for sole traders, partnerships, and limited companies. Free day-to-day banking for startups for the first 18 months.
The Westerncresthorizon Difference
Mobile & Online Banking
Check balances, pay bills, transfer money, and deposit cheques — all from our award-winning app, wherever you are.
Your Money's Protected
Eligible deposits covered up to £85,000 by the FSCS. Plus multi-factor authentication and 24/7 fraud monitoring as standard.
Clear, Upfront Pricing
No hidden charges, no nasty surprises. We publish all our fees and rates clearly so you know exactly where you stand.
Real People, Real Help
Need to speak to someone? Our telephone banking team is here seven days a week, and you'll get through to a real person.
