General website terms and conditions

We want to keep the relationship between us as informal as possible, but there are some rules we need to explain so you know where you stand when you do business with us. You may also like to look at our privacy policy and cookies policy

These rules are set out below: please make sure you read them carefully. Our lawyers have asked us to point out that they are legally binding and very, very important.

The legal bit starts here

krbs and Kent Reliance

krbs and Kent Reliance are trading names of OneSavings Bank Plc a company registered in England and Wales (Company Number 7312896), whose registered office is Reliance House, Sun Pier, Chatham, Kent ME4 4ET. OneSavings Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registered number 530504).

In these terms and conditions when we use the words “krbs”, “we”, “us” and similar expressions we are referring to OneSavings Bank Plc.

Website terms and conditions

Please read these terms and conditions carefully.

When you use this website you are agreeing to and accepting these terms and conditions and any other terms and conditions posted on this website by krbs from time to time. We may change these terms and conditions at any time, simply by updating this page. You should therefore check these terms and conditions regularly, as we will consider that your use of the site after any changes means that you accept the new terms and conditions.

These terms and conditions only cover your use of the site. Our products have their own terms and conditions, and you should read those if you are interested in any product. If the product terms and conditions are different from the site terms it is the product ones that apply.

Use of this website

The information on this site is written for UK residents only. This is not an offer to sell our products or do business with anyone located anywhere outside the UK. Please note that the UK does not include Jersey, Guernsey and other parts of the Channel Islands.

Copyright and trade marks

krbs does not give you any right or interest in any copyright or other intellectual property rights in any materials made available through this website. You may download or copy extracts for your personal use but not for any other purpose, nor do you have the right to alter anything.

The copyright and related rights in this website and all the underlying or related software, materials and pages relating to this website is owned by, or licensed to, krbs and may not be used, copied or altered without our express consent. Copyright extends to the design and layout of the website, all text, html code, metadata, and photographs on it and its related marketing materials.


This website may contain information, text, data, graphics, photographs, illustrations, artwork, names, logos, trade marks and information about krbs and on the products and services it provides (the “information").

The website and information is provided “as is" and on an “as available" basis only and krbs does not guarantee the accuracy, timeliness, completeness, performance or fitness for a particular purpose of the website or any of the information.
No responsibility is accepted by or on behalf of krbs for any errors, omissions, or inaccuracies in the information on the website.

Although krbs attempts to ensure that the information contained in this website is accurate and up-to-date, we accept no liability for the results of any action taken on the basis of the information it contains and all implied warranties, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy are excluded from these terms and conditions to the extent that they may be excluded as a matter of law. We do not attempt to exclude any rights you may have that we cannot exclude as a matter of law.

Except in respect of death or personal injury resulting from our negligence or in respect of fraud, none of krbs, its directors, employees or other representatives will be liable for any loss or damage you suffer including, without limitation, indirect or consequential loss or damage, loss of revenue or profit (whether direct or indirect) or any loss or damage arising from loss of use or data, whether in contract, tort, negligence or otherwise, arising out of or in connection with the use of this website. However, this will not limit our responsibility for complying with any duty or liability which we have towards our customers under the regulatory system.


We try to make sure that the site is available all the time. However, we do not undertake that the performance of the website will be uninterrupted or error free or that any defects will be corrected. We are not liable for the site being unavailable, however long it might be out of action. Consequently, we will not be liable for any loss or damage arising in contract, tort, negligence or otherwise if the website becomes unavailable or is suspended for any reason.


Although we endeavour to ensure that the website is virus-free, we cannot warrant to you that the website will remain free from viruses and, therefore, we will not be responsible for any technical problems arising from the use of this website.

Offer and advice

The services provided on this website do not constitute an offer to sell any of our products; neither does the information constitute financial, investment, tax or other professional advice.


Websites to which this website is linked have not been reviewed by krbs. We accept no responsibility for the content of such websites. You may not frame, link or deep-link this website to any other website without our prior written consent.

Data protection

When you use this website and/or if you apply for products or services on our website, we will obtain some of your personal information, please refer to our privacy policy to understand how we will process, use and store your personal information.

Applicable law and jurisdiction

Use of this website and these terms and conditions are subject to the laws of England and Wales and the jurisdiction of the English Courts. By using this website you irrevocably submit to the jurisdiction of the English Courts.

About us

krbs and Kent Reliance are trading names of OneSavings Bank Plc, a company registered in England and Wales (Company Number 7312896), whose registered office is Reliance House, Sun Pier, Chatham, Kent ME4 4ET, telephone: 0845 120 2122*, email:

OneSavings Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FSA) and the Prudential Regulation Authority. It is included on the FCA’s register of authorised firms with number 530504.

The FSA’s register of authorised firms can be found at The address of the FCA is 25 The North Colonnade, Canary Wharf, London, E14 5HS.

OneSavings Bank Plc participates in the Financial Ombudsman Service (FOS). If you have a complaint about any aspect of our services, please see How to complain. If you are not satisfied with our response you may be able to refer your complaint to the FOS. If you would like more information about the FOS, please contact us.

Alternatively, visit their website: or telephone them on 0800 023 4567.

OneSavings Bank Plc is a member of the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to our customers if we are unable to meet our financial obligations. The amount of compensation which is available varies according to the business in question, but most depositors - including most individuals and small businesses - are covered by the FSCS.  

In respect of deposits, an eligible depositor is entitled to claim up to £85,000, per person per form. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be £85,000 each (making a total of £170,000).

The £85,000 limit relates to the combined amount in all the eligible depositor’s accounts with the bank, including their share of any joint account and not to each separate account.

We will provide our customers with further detailed information on the protection offered by the FSCS, but further information about the FSCS (including the amounts covered and eligibility to claim) can be obtained by downloading the FSCS leaflet (560kb PDF document) from our branches and agencies, from head office by telephoning 0845 120 2122* or from the FSCS at its website at or by telephoning 0800 678 1100.

*For customer service and training purposes, calls with Kent Reliance may be monitored and/or recorded.