Manchester, Market Street

Mr H Miller
13A, 21 Market Street
40 SILTON STREET
M1 1WR
MANCHESTER
M9 4NS
Call us on: 03459 758758 (from UK)
www.tsb.co.uk

Your branch: MANCHESTER, MARKET

STREET
Sort Code: 77-30-60
Account Number: 00192226
BIC: TSBSGB2AXXX
IBAN: GB53TSBS77306000192226

DV015004A-240603-E-TSBS-000001-666421-IADDV003-D-9126-773060-TSB-DS2
03/06/2024

Spend & Save Account

Statement number: 2
Effective from: 13 May 2024 to 03 June 2024

Your Account
Date of previous statement 12 May 2024
Balance on 13 May 2024 £1,527.00
Money in £4,970.00
Money out £4,692.64
Balance on 03 June 2024 £1,804.36

Your Interest Rates

Balances of AER% Gross p.a.% Net p.a.%
£1.00+ 0.00 0.00 0.00
Amount of Unarranged Overdraft and Interest Payable
£0.00+ 2.84% per month (39.90% EAR* variable)

* EAR is the Equivalent Annual Rate. This is the actual annual interest rate of an Overdraft. It does not take into account other fees and charges.
AER is the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Gross is the contractual rate of interest
payable before the deduction of income tax at the rate specified by law. Net is the rate of interest which would be payable after allowing for deduction of income tax at the specified
rate.
We will give you at least 14 days notice before we take any Overdraft fees or interest out of your account. Interest rates and fees are detailed as at the date of this statement.

Fees Explained
Other services - These are fees for other services you have asked for. You can find more details in our Banking Charges guide or at www.tsb.co.uk
The monthly cap on unarranged overdraft charges for the Spend & Save Account is £30. Further details can be found online at tsb.co.uk/overdrafts
Fees and interest rates may have changed during the period covered by this summary. For details please see your regular statements.

TSB Bank plc Registered Office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland No. SC95237. Authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority (Registration No 191240).
TSB Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service. (Please note that due to the schemes' eligibility criteria not all TSB business customers will be
covered by these schemes). Page 1 of 7
Useful information
Please keep your contact information up to date
To update your contact information please write to us at: TSB, PO Box 373, Manston Lane, Leeds. LS14 9GQ or visit any TSB branch. Some of the information
below may not apply to you depending on your account type.

Contact us immediately if you think your Cards, PINS or Cheque books have been lost or stolen
Z Cards or PINS: please call us on 0800 015 0030 or +44 (0) 2074 812567 if you're outside the UK
Z Cheque book: please call us on the telephone number on the front of your statement.

We have a range of tools and features to help you manage your Is your current account (and any overdraft) still right for you?
money and stay in control Z There may be other options that are more suitable for your
Z Internet Banking: go to tsb.co.uk/registerquick needs
Z Mobile App: download the app on the App store or Google Z To find out more about other TSB products visit tsb.co.uk or
Play and sign up once you've registered for Internet Banking pop in to one of our branches.
Z Telephone Banking: call the number at the top of the Z Remember you can find out how much your current account
statement (available 24/7). For your everyday banking needs costs you each year by looking at the Statement of Fees
you can use our fast automated service any time and when which we send you annually

DV015004A-240603-E-TSBS-000001-666421-IADDV003-D-9126-773060-TSB-DS2
you need to speak to us we have a dedicated team of
advisors available between 7am and 11pm. Between 11pm If you're thinking about switching your TSB account to another
and 7am our advisors are dedicated to helping customers provider, the Current Account Switch Service is free-to-use and
who need to report lost or stolen cards. makes it easy to switch your account in just 7 working days. Your
Z Text Alerts: If we have your mobile number, we'll switch is also backed by the Current Account Switch Guarantee.
automatically send you text alerts to let you know when Find out more about the Current Account Switch Service at
you're using an arranged or unarranged overdraft. To find tsb.co.uk/current-accounts/switching-bank-account/
out more or to sign up to our other handy text alerts, visit
tsb.co.uk/help/mobile-banking/text-alerts/ Independent service quality survey results
As part of an independent survey, customers of the 16 largest
Z Get your statements electronically: Once you're registered
Personal Current Account providers are asked if they would
for Internet Banking you can choose to stop receiving paper
recommend their provider to family and friends. The results are
statements and get them electronically instead. Simply go to
published every six months to enable you to compare TSB's overall
Your Account Tools to manage your preferences.
quality of service, online and mobile banking services, branch
service and overdraft services. Find the latest published results
Fees and charges
here tsb.co.uk/help-and-support/personal-service-quality/
There are fees and charges for certain transactions, such as using
your debit or ATM card abroad, when we refuse a payment due to
Open Banking
lack of funds or when you use an arranged overdraft. For more
Open Banking is a secure way you can give regulated third parties
information, please see the Banking Charges Guide which can be
access to your financial information. If you're an Internet Banking or
found on our website.
Mobile App customer you'll be able to securely share your current
account, credit card and some savings account data with your
Interest rates
chosen third party. Open Banking services could make banking
You can find the rates used to calculate the interest you have
easier for you, for example by helping you budget or finding the
earned or been paid on tsb.co.uk or by asking at any TSB branch
best deals on products and services that suit you, as well as
or call 03459 758 758 (8am-9pm Mon-Fri; 9am-5pm Sat-Sun).
offering new ways to pay. Find out more at
tsb.co.uk/help-and-support/open-banking/
Checking your statement
Please read through the entries on your statement. If you think
Making a complaint
something is wrong, please contact us straight away on the
If you have a problem with your account, please let us know and try
telephone number on the front of your statement. The earlier you
to resolve it with us first. If you don't, you won't be able to complain
contact us, the more we may be able to do. For example, we may
to the Financial Ombudsman Service if you're not happy with how
not be able to refund you if you tell us more than 13 months after
we handled your complaint or the result. We can provide details of
the date of the payment. Take care when storing or disposing of
how to contact the Ombudsman.
information about your accounts.

Important information about compensation arrangements

Deposits held with us are covered by the Financial Services
Compensation Scheme (FSCS). We will provide you with an
information sheet and exclusions list every year.

For further information about the compensation provided by the

FSCS, refer to the FSCS website at www.FSCS.org.uk

Please contact us if you'd like this in Braille or large print.

If you have a hearing or speech impairment and would prefer to use Textphone, please feel free to contact us on 03458 353 843 (or 01179 743664 for offshore customers) or via text relay. Calls may be monitored
or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

TSB Bank plc Registered Office: Henry Duncan House,120 George Street, Edinburgh EH2 4LH. Registered in Scotland No. SC95237. Telephone 0131 225 4555. Authorised by the Prudential Regulation Authority
and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 191240.

TSB Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service. (Please note that due to the schemes' eligibility criteria not all TSB business customers will be
covered by these schemes).
 Sort Code: 77-30-60
Account Number: 00192226

03/06/2024

Statement number: 2

Spend & Save Account

Your Transactions
Date Payment type Details Money Out (£) Money In (£) Balance (£)

DV015004A-240603-E-TSBS-000001-666421-IADDV003-D-9126-773060-TSB-DS2
12 May 24 STATEMENT OPENING BALANCE 1,527.00

13 May 24 PPOINT_*MUKESH KUMAR L CD 15.99 1,511.01

0089
13 May 24 ASDA STORES CD 0089 15.05 1,495.96
13 May 24 STARBUCKS MANCHESTER F CD 4.50 1,491.46
0089
13 May 24 COSTA COFFEE 43010635 CD 0089 3.80 1,487.66
13 May 24 FASTER PAYMENT henry miller . 1,000.00 487.66
13 May 24 FUTURE DATE SAVE THE PENNIES 1.66 486.00
TRANSFER 773060-00192233
14 May 24 LM Bubble Tea Ltd CD 0089 13.30 472.70
14 May 24 TESCO METRO 2872 CD 0089 1.90 470.80
14 May 24 TACO BELL - MANCHESTER CD 28.14 442.66
0089
14 May 24 STARBUCKS EASTLANDS (A CD 4.20 438.46
0089
14 May 24 STARBUCKS EASTLANDS (A CD 5.00 433.46
0089
14 May 24 LIDL GB HARPURHEY CD 0089 18.03 415.43
14 May 24 SQ *KENJI LIVERPOOL CD 0089 17.00 398.43
14 May 24 ASDA STORES CD 0089 15.80 382.63
14 May 24 STARBUCKS EASTLANDS (A CD 4.20 378.43
0089
14 May 24 MCDONALDS 178 CD 0089 14.15 364.28
14 May 24 SHOE ZONE CD 0089 19.99 344.29
14 May 24 STARBUCKS CD 0089 7.20 337.09
14 May 24 PPOINT_*MUKESH KUMAR L CD 42.57 294.52
0089
14 May 24 PULL AND BEAR LIVERPOO CD 26.97 267.55
0089
14 May 24 FUTURE DATE SAVE THE PENNIES 6.55 261.00
TRANSFER 773060-00192233
15 May 24 STARBUCKS CD 0089 8.60 252.40
15 May 24 BILLS - TRAFFORD CD 0089 90.00 162.40
15 May 24 Broderick Vend CD 0089 2.65 159.75
15 May 24 FUTURE DATE SAVE THE PENNIES 0.75 159.00
TRANSFER 773060-00192233
16 May 24 BOOTS, TRAFFORD CNTR CD 4.59 154.41
0089

Continued on next page

TSB Bank plc Registered Office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland No. SC95237. Authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority (Registration No 191240).
TSB Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service. (Please note that due to the schemes' eligibility criteria not all TSB business customers will be
covered by these schemes). Page 3 of 7
 Sort Code: 77-30-60
Account Number: 00192226

03/06/2024
Statement number: 2

Spend & Save Account

Your Transactions
Date Payment type Details Money Out (£) Money In (£) Balance (£)
16 May 24 BOOTS, TRAFFORD CNTR CD 4.99 149.42
0089
16 May 24 WM MORRISONS STORE CD 0089 19.75 129.67
16 May 24 FUTURE DATE SAVE THE PENNIES 0.67 129.00
TRANSFER 773060-00192233
17 May 24 NANDOS TRAFFORD CENTRE CD 3.75 125.25
0089
17 May 24 Zettle_*wishman cakes CD 0089 17.75 107.50

DV015004A-240603-E-TSBS-000001-666421-IADDV003-D-9126-773060-TSB-DS2
17 May 24 SPORTS DIRECT 2791 CD 0089 3.00 104.50
17 May 24 FUTURE DATE SAVE THE PENNIES 0.50 104.00
TRANSFER 773060-00192233
20 May 24 Decent Cut Academy CD 0089 70.00 34.00
20 May 24 GOOGLE Google Play App CD 0089 5.49 28.51
20 May 24 STARBUCKS EASTLANDS (A CD 4.20 24.31
0089
20 May 24 FUTURE DATE SAVE THE PENNIES 1.31 23.00
TRANSFER 773060-00192233
21 May 24 BEATLES NEWS CD 0089 3.99 19.01
21 May 24 MCDONALDS CD 0089 3.38 15.63
21 May 24 STARBUCKS EASTLANDS (A CD 2.60 13.03
0089
21 May 24 FASTER PAYMENT GROCELIVERY SERVICES LTD 1,500.00 1,513.03
Salary
21 May 24 FUTURE DATE SAVE THE PENNIES 1.03 1,512.00
TRANSFER 773060-00192233
22 May 24 FASTER PAYMENT GROCELIVERY SERVICES LTD 1,130.00 2,642.00
Salary
23 May 24 LIDL GB HARPURHEY CD 0089 2.13 2,639.87
23 May 24 MCDONALDS CD 0089 15.65 2,624.22
23 May 24 DAKOTA MANCHESTER CD 0089 12.94 2,611.28
23 May 24 ASDA SUPERSTORE CD 0089 4.75 2,606.53
23 May 24 FUTURE DATE SAVE THE PENNIES 1.53 2,605.00
TRANSFER 773060-00192233
24 May 24 SUPERDRUG 1734 TRAFFOR CD 2.70 2,602.30
0089
24 May 24 NANDOS TRAFFORD CENTRE CD 3.75 2,598.55
0089
24 May 24 HOME BARGAINS CD 0089 32.41 2,566.14
24 May 24 NANDOS TRAFFORD CENTRE CD 11.10 2,555.04
0089
24 May 24 ZARA MANCHESTER TRAFFO CD 32.08 2,522.96
0089
24 May 24 COSTA COFFEE 43011325 CD 0089 7.00 2,515.96
24 May 24 WESTPOINT DENTAL CENTR CD 50.00 2,465.96
0089
24 May 24 STARBUCKS EASTLANDS (A CD 10.55 2,455.41
0089

Continued on next page

TSB Bank plc Registered Office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland No. SC95237. Authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority (Registration No 191240).
TSB Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service. (Please note that due to the schemes' eligibility criteria not all TSB business customers will be
covered by these schemes). Page 4 of 7
 Sort Code: 77-30-60
Account Number: 00192226

03/06/2024
Statement number: 2

Spend & Save Account

Your Transactions
Date Payment type Details Money Out (£) Money In (£) Balance (£)

DV015004A-240603-E-TSBS-000001-666421-IADDV003-D-9126-773060-TSB-DS2
24 May 24 FUTURE DATE SAVE THE PENNIES 3.41 2,452.00
TRANSFER 773060-00192233
28 May 24 GOOGLE Google Play App CD 0089 5.49 2,446.51
28 May 24 B&M 116 - HARPURHEY CD 0089 3.22 2,443.29
28 May 24 FUTURE DATE SAVE THE PENNIES 1.29 2,442.00
TRANSFER 773060-00192233
29 May 24 OLE AND STEEN LEICEST CD 0089 6.80 2,435.20
29 May 24 SQ *TRUFFLE BURGER CD 0089 4.40 2,430.80
29 May 24 SQ *AROUND COOKIES CD 0089 8.50 2,422.30
29 May 24 P F Changs CD 0089 108.06 2,314.24
29 May 24 STARBUCKS CD 0089 16.80 2,297.44
29 May 24 Waterloo Hotel Operato CD 0089 32.03 2,265.41
29 May 24 BOOTS,1000 CD 0089 14.20 2,251.21
29 May 24 Sephora UK-Trafford Ma CD 0089 35.99 2,215.22
29 May 24 NEXT RETAIL LTD CD 0089 67.15 2,148.07
29 May 24 SALSA CHARING CROS CD 0089 16.00 2,132.07
29 May 24 Brandy Melville Carnab CD 0089 3.00 2,129.07
29 May 24 SQ *FRANK] CD 0089 18.98 2,110.09
29 May 24 Waterloo Hotel Operato CD 0089 46.07 2,064.02
29 May 24 TODDINGTON N/E WH SMIT CD 23.40 2,040.62
0089
29 May 24 SQ *TRUFFLE BURGER CD 0089 17.30 2,023.32
29 May 24 SALSA CHARING CROS CD 0089 76.11 1,947.21
29 May 24 M6 TOLL CD 0089 9.70 1,937.51
29 May 24 Waterloo Hotel Operato CD 0089 26.13 1,911.38
29 May 24 SQ *FRANK] CD 0089 18.98 1,892.40
29 May 24 BURGER & LOBSTER CD 0089 201.41 1,690.99
29 May 24 Waterloo Hotel Operato CD 0089 18.25 1,672.74
29 May 24 COSTA COFFEE 43010880 CD 0089 8.00 1,664.74
29 May 24 STARBUCKS EASTLANDS (A CD 6.80 1,657.94
0089
29 May 24 Star Gifts CD 0089 2.49 1,655.45
29 May 24 THE SUSHI CO CD 0089 62.41 1,593.04
29 May 24 FUTURE DATE SAVE THE PENNIES 12.04 1,581.00
TRANSFER 773060-00192233
30 May 24 LIDL GB HARPURHEY CD 0089 63.15 1,517.85
30 May 24 SAKURA CD 0089 118.05 1,399.80
30 May 24 FUTURE DATE SAVE THE PENNIES 1.80 1,398.00
TRANSFER 773060-00192233
30 May 24 FASTER PAYMENT henry miller . 400.00 998.00
31 May 24 M6 TOLL CD 0089 9.70 988.30

Continued on next page

TSB Bank plc Registered Office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland No. SC95237. Authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority (Registration No 191240).
TSB Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service. (Please note that due to the schemes' eligibility criteria not all TSB business customers will be
covered by these schemes). Page 5 of 7
 Sort Code: 77-30-60
Account Number: 00192226

03/06/2024
Statement number: 2

Spend & Save Account

Your Transactions
Date Payment type Details Money Out (£) Money In (£) Balance (£)
31 May 24 ASDA STORES CD 0089 98.33 889.97
31 May 24 MOSTON SUPERSTORE CD 0089 10.84 879.13
31 May 24 FASTER PAYMENT GROCELIVERY SERVICES LTD 2,340.00 3,219.13
Salary
31 May 24 FASTER PAYMENT henry miller . 900.00 2,319.13
31 May 24 FUTURE DATE SAVE THE PENNIES 1.13 2,318.00
TRANSFER 773060-00192233
03 Jun 24 GOOGLE Google Play App CD 0089 5.49 2,312.51

DV015004A-240603-E-TSBS-000001-666421-IADDV003-D-9126-773060-TSB-DS2
03 Jun 24 STARBUCKS EASTLANDS AS CD 8.15 2,304.36
0089
03 Jun 24 FASTER PAYMENT henry miller . 500.00 1,804.36
03 Jun 24 STATEMENT CLOSING BALANCE 4,692.64 4,970.00 1,804.36

TSB Bank plc Registered Office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland No. SC95237. Authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority (Registration No 191240).
TSB Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service. (Please note that due to the schemes' eligibility criteria not all TSB business customers will be
covered by these schemes). Page 6 of 7
Monthly Maximum Charge (MMC) for Overdraft Fees and Interest
To make comparing bank accounts easier for you, all banks and building societies are setting a maximum monthly charge. Each
bank may charge a different amount, but all banks are explaining this to their customers in the same way with the same
wording. This wording is in the box below.

We'll never charge you more than £30 each monthly billing period for interest charged on the amount you borrow using an
Unarranged Overdraft.

Monthly cap on unarranged overdraft charges

1. Each current account will set a monthly maximum charge for:
a. going overdrawn when you have not arranged an overdraft; or
b. going over/past your arranged overdraft limit (if you have one)

DV015004A-240603-E-TSBS-000001-666421-IADDV003-D-9126-773060-TSB-DS2
2. This cap covers:
a. Interest for going over/past your arranged overdraft limit
b. Fees for each payment your bank allows despite lack of funds; and
c. Fees for each payment your bank refuses due to lack of funds

Need some extra help to do your banking? This might be due to physical or mental
wellbeing or a life event. We're here to support you. Let us know what you need by calling
03459 758 758, chat to us in the Mobile Banking App, or visit us in branch.
This information is available in large print, braille and audio. Ask in branch or call us on
03459 758 758 (lines are open from 8am to 8pm, 7 days a week).
If you have a hearing or speech impairment you can call us using the Relay UK service. Type '18001'
before entering our telephone number. A member of the Royal National Institute for Deaf People will join
the call to speak with us as you send and receive text messages. Please visit www.relayuk.bt.com to read
how they manage your data.
TSB Bank plc Registered Office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland No. SC95237. Authorised by the Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority (Registration No 191240).
TSB Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service. (Please note that due to the schemes' eligibility criteria not all TSB business customers will be
covered by these schemes). Page 7 of 7