Helpdesk

We’re a digital bank because you shouldn’t have to go out of your way just to get your money. It’s faster and cheaper by telephone or online.

02392 827980

Weekdays 09:30 - 16:30

Choose an FAQ help option below

Personal loans

  • You can normally top up your loan after six months or when you are ‘halfway’ on your loan balance, whichever is earlier. Apply

  • Your cashback savings are available once your loan has ended. If you top-up your loan during the term your cashback savings will be carried over to your new loan.

  • We don’t charge any fees to arrange a personal loan. There are also no early repayment charges for paying back your loan early.

  • If you are employed you are eligible for a three-month payment break (or 3 payments if you don’t pay monthly). You can take this in one go or three separate payments.

  • Talk to us about your situation and we can normally come to a temporary reduced payment arrangement or an alternative plan. Call us on 02392827980 or find out more here

Savings accounts

  • Pay into your account by bank transfer (BACS) Standing Order or Direct Debit.

    Use your account number and sort code and always use your membership number as a reference/roll number.

    We receive one external payment into accounts each working weekday at 09:00 am. Any payments transferred after this time will appear in your account the following day.

  • You can transfer money out of your account by logging in to our website or calling our helpdesk on 02392827980.

    There are two outbound payments per day on savings accounts at approx. 10:30 am and 16:30 pm.

    For example, transfers made Mon - Fri and before 3 pm will be in your account at approx 4:30 pm the same day. Transfers after 3 pm will be in your account the following working day at approx 10:30 am. Weekends and bank holidays are excluded.

  • You can set up digital banking for savings, loans and community group accounts when you visit this link.

  • We have a current acceptable list of identification requirements for opening an account which can be found here.

  • ISA transfers must be requested by telephone. You can transfer an ISA in or out of your account by calling 02392827980.

  • The average daily balance on a savings account is a method banks use to calculate interest. Here's how it works:

    1. Daily Balance Calculation: Each day, the bank records the balance in your account. This includes any deposits, withdrawals, and interest earned.

    2. Total Balance for the Month: At the end of the month, the bank adds up all the daily balances.

    3. Dividing by Days: The total is then divided by the number of days in the month to find the average daily balance.

    4. Interest Calculation: The average daily balance is used to determine how much interest you will earn for that month. The bank applies the interest rate to this average balance.

Other useful information

  • You can inform us of a bereavement by calling 02392827980. You can also use this link. https://portal.helloworks.com/link/WVN0BzDrSnBWtFnk

  • You can give permission for someone to act on your account by completing a third-party mandate form here.

  • You can amend your personal details including address, contact numbers and other information by following this link

  • If you wish to close your account please call 02392827980.

  • You can pay a cheque into your account by sending it to our address (we cannot accept recorded delivery) or post it into our letterbox.

    Note: cheques can take at least 14 days to clear.

  • We hope our member don't feel as our service falls below our high standards but if they do, to look at a complaint but if we do you can see out complaints procedure here

  • Wessex Community Bank

    Fareham Reach

    166 Fareham Road

    Hampshire

    PO13 0FW