High street bank Lloyds TSB re-branded

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High street bank Lloyds TSB re-branded

High street bank Lloyds TSB is being re-branded to TSB bank, this comes 18 years after Lloyds and TSB merge took place. The bank will be sold next year as part of a process ordered by the European Commission to provide greater competition, in addition to its branches, TSB will have four call centres, employing 8500 staff.

The UK banking industry has been dominated by 5 big high street names, that control 83%of the UK’s personal bank accounts. Many that have a personal bank account with these big high street banks, usually stick with them, unless they have a really bad experience with the service of the bank. These high street banks have also been caught up in a few scandals over recent years, including the huge miss- selling of PPI (Payments Protection Insurance), to which some experts cite as the biggest banking scandal of our time.

Overall it is hoped that the new TSB bank will create more competition, in terms of savings, current accounts, credit cards and loans on the high street and therefore boost the economy.

Are you looking for a loan?

If you are looking for a loan, the best place to start with is your bank, they have a clear view on your finances and have their own scores as to whether you are a good person to lend money to. For some switching your high street bank account can give you access to a number of different products including loans.

If you are looking for a loan but are experiencing bad credit then there are options available to you, but these come at higher interest rates than that of those offered by high street banks.

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