Please read these terms carefully before using our banking services
Last Updated: 20 February 2026
Welcome to Westerncresthorizon, a mutual building society. These Terms & Conditions ("Terms") set out the agreement between us for your use of our current accounts, savings accounts, ISAs, mortgages, business banking, and any other services we provide (together, the "Services"). By opening an account or using our Services, you confirm that you accept these Terms in full. If there's anything you don't understand, please get in touch and we'll be happy to explain.
To open an account with us, you must be at least 18 years old and a resident of the United Kingdom. By applying for an account, you confirm that you meet these requirements and that all the information you provide to us is true and accurate. For business accounts, your business must be registered and operating within the UK.
When you open an account, you agree to provide accurate and complete information. You're responsible for keeping your account details, passwords, PINs, and any security credentials safe and confidential. If you think someone else has accessed your account without your permission, or if you've lost your card or security details, you must tell us straight away. You're responsible for all activity on your account until you let us know about any unauthorised access.
Westerncresthorizon provides a range of banking services including: personal current accounts, easy access and fixed rate savings accounts, cash ISAs, stocks and shares ISAs, Faster Payments and international transfers, debit cards, credit cards, mortgages and home loans, personal loans, and business banking. Full details of each product, including rates, charges, and any restrictions, are provided when you apply and are available on our website or by calling us.
We believe in being upfront about what things cost. Any fees and charges that apply to your account are set out clearly when you open it and in our current tariff of charges, which is always available on our website. If we ever need to change our fees, we'll give you at least two months' notice before the change takes effect.
When you make a payment through our Services, it's your responsibility to make sure the payment details are correct. We process Faster Payments in line with the UK Faster Payments Scheme rules — most payments arrive within seconds, but some may take up to two hours. Our full terms for electronic payments, including how we handle errors and what to do if something goes wrong, are set out in your account terms, which we'll give you when you open your account.
Eligible deposits held with Westerncresthorizon are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 per person. This means that if we were to go out of business, the FSCS would protect your money up to that limit. Investments held in stocks and shares ISAs are not covered by the FSCS and may go down as well as up in value.
How we collect, use, and protect your personal information is set out in our Privacy Policy, which forms part of these Terms. By using our Services, you agree to us handling your information as described there. We take data protection seriously and comply with UK data protection law, including the Data Protection Act 2018 and UK GDPR.
You must not use your account or our Services for anything illegal, fraudulent, or that breaks any laws or regulations. This includes money laundering, tax evasion, or any activity that would breach financial sanctions. We're required by law to report suspicious activity to the relevant authorities, and we may freeze your account while we investigate if we have concerns.
We will always try to provide our Services without interruption, but we can't guarantee that everything will work perfectly all the time. To the extent allowed by law, we won't be liable for losses that aren't a direct result of something we've done wrong, or that are caused by events outside our reasonable control. This doesn't affect your statutory rights, and we'll never exclude or limit our liability where the law doesn't allow us to.
You can close your account at any time by contacting us. We'll return any money in your account, minus any fees you owe us. We can also close your account or stop providing Services if you break these Terms, if we suspect fraud or illegal activity, or if we're required to by law or regulation. If we close your account, we'll give you notice where possible and explain why, unless the law prevents us from doing so.
We may update these Terms from time to time, for example to reflect changes in the law or how we operate. If we make a change that affects you, we'll let you know in advance — usually at least two months before the change takes effect. If you're not happy with a change, you can close your account without penalty before it comes into effect. Continuing to use your account after the change takes effect means you accept the new Terms.
If you're unhappy with our service, we want to hear about it so we can put things right. You can make a complaint by phone, email, or post — our contact details are on our website. We'll acknowledge your complaint promptly and aim to resolve it as quickly as possible. If we can't resolve things to your satisfaction, you may be able to refer your complaint to the Financial Ombudsman Service for an independent review.
These Terms are governed by English law. Any disputes will be dealt with by the courts of England and Wales, unless you live in Scotland or Northern Ireland, in which case you can choose to have the matter heard in your local courts.
If you have any questions about these Terms, or if there's anything you'd like to discuss, please get in touch:
Westerncresthorizon
Member Services
Email: [email protected]
Address: 1 Victoria Road, Leeds, LS1 5AA, West Yorkshire