FSCS Protected up to $85,000 | 24/7 Customer Support: 0800 905 3967
🏆 Best Digital Bank 2024

Banking Reimagined for the Digital Age

Experience seamless banking with competitive rates, cutting-edge security, and 24/7 support. Join over 2 million customers who trust us with their finances.

4.85%
AER Savings
$85K
FSCS Protected
24/7
Support
Available Balance

$12,456.78

FSCS Protected
4.8/5 Trustpilot
256-bit Encryption
Best Bank 2024

Why Choose Sparkle Trust Consolidated Bank?

We're revolutionizing banking with technology that puts you first

Lightning Fast

Open an account in 5 minutes, get instant decisions on loans, and transfer money in seconds.

98% faster than traditional banks

Better Rates

No branch overheads means we can offer you significantly better rates on savings and loans.

Up to 4.85% AER on savings

Smart App

Our award-winning app makes managing money simple, secure, and surprisingly enjoyable.

4.9★ App Store rating

Smart Savings Solutions

Grow your money with our competitive savings accounts

1-Year Fixed Bond

4.85% AER/Gross
  • Higher fixed rate for 12 months
  • Minimum deposit $1,000
  • Interest paid at maturity
  • FSCS protected
Learn More

Cash ISA

4.15% AER/Gross
  • Tax-free savings up to $20,000
  • Instant access to funds
  • Transfer existing ISAs
  • No withdrawal penalties
Learn More

Start Your Savings Journey Today

Join over 500,000 customers who trust us with their savings

Your Dream Home Awaits

Smart mortgage solutions with competitive rates

First Time Buyers

From 3.99%

Get on the property ladder with our dedicated first-time buyer mortgages.

  • 5% deposit mortgages available
  • Mortgage calculator tools
  • Dedicated advisor support
  • Help to Buy schemes

Buy-to-Let

From 4.29%

Build your property portfolio with our buy-to-let mortgages.

  • Interest-only options
  • Portfolio landlord specialist
  • Limited company mortgages
  • HMO financing available

Mortgage Affordability Calculator

Find out how much you could borrow and estimate your monthly payments

Business Banking Solutions

Power your business growth with our comprehensive financial services

Business Loans

Flexible financing options to fuel your business growth

  • Up to $500,000 funding
  • Competitive interest rates
  • Fast approval process
  • Flexible repayment terms

Commercial Mortgages

Purchase or refinance your commercial property

  • Up to 75% LTV
  • Fixed and variable rates
  • Portfolio financing
  • Development finance

Merchant Services

Accept payments seamlessly with our secure solutions

  • Card terminal solutions
  • Online payment gateways
  • Mobile payment options
  • Competitive transaction fees

Business Analytics

Real-time insights into your business finances

Multi-user Access

Secure access for your team members

Enhanced Security

Advanced protection for your business funds

Dedicated Support

Business banking specialists at your service

Comprehensive Insurance Protection

Protect what matters most with our range of insurance products

Home Insurance

Complete protection for your home and belongings

Buildings & contents cover
Accidental damage
Personal possessions
24/7 emergency assistance

Car Insurance

Comprehensive coverage for your vehicle

Fully comprehensive
Breakdown cover included
Courtesy car
No claims discount protection

Life Insurance

Financial security for your loved ones

Level term assurance
Decreasing term cover
Critical illness cover
Family income benefit

Why Choose Our Insurance?

Quick Claims

Fast and efficient claims processing

Competitive Premiums

Great value for comprehensive coverage

Digital Management

Manage your policies through our app

Expert Advice

Professional guidance for the right coverage

Grow Your Wealth with Smart Investments

Build your financial future with our expert investment solutions

Stocks & Shares ISA

Potential returns: 5-7%

Tax-efficient investing in a diversified portfolio of stocks and shares

  • $20,000 annual allowance
  • No capital gains tax
  • No income tax on dividends
  • Flexible investment options

Pension Plans

Long-term growth

Secure your retirement with our flexible pension solutions

  • Tax relief on contributions
  • Wide range of funds
  • Regular drawdown options
  • Professional fund management

Global Funds

Diversified growth

Access global markets with our carefully selected investment funds

  • Emerging markets exposure
  • Developed markets stability
  • ESG investment options
  • Regular rebalancing

Advanced Investment Platform

Our state-of-the-art platform makes investing simple and accessible

Real-time portfolio tracking
Smart alerts and notifications
Automated investing options
Bank-level security

Banking in Your Pocket

Our mobile app puts complete control of your finances right at your fingertips. Experience banking that's secure, intuitive, and designed for modern life.

Biometric login
Smart notifications
Spending insights
Advanced security
App Preview

What Our Customers Say

Join over 2 million satisfied customers

"Switching to Sparkle Trust Consolidated Bank was the best financial decision I've made. The app is incredible and the savings rates are unbeatable."

Sarah D., Hayes

"The mortgage process was so smooth. My advisor was available 24/7 and helped me get a great deal. Highly recommended!"

Michael J., Marsh

"As a small business owner, the business account and loan services have been invaluable. The digital tools save me hours each week."

Emma T., Hughes

Ready to Experience Better Banking?

Join thousands of customers who've made the switch to smarter banking