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We believe all sustainable progress is driven by people with the imagination and determination to improve their future and the futures of those around them. We empower people and organisations to realise their own vision for a better future – however modest or grand. Our purpose therefore is: empowering people to stay a step ahead in life and in business.

Following this purpose, we have defined four simple promises that together form the Customer Promise and are part of our strategy.

Clear and easy

Banking doesn’t have to be difficult and time consuming. Less is more. It’s all about clear products, plain language, fair prices and simple processes that save both time and money.

Anytime, anywhere

We work to get our services where our customers are. Banking should be possible anytime and anywhere.


The best financial decisions are informed decisions. Customers want relevant, up-to-date information at their fingertips. They need to understand their choices, and the implications, both today and for the future.

Keep getting better

Life and business are about moving forward. We will keep looking for new ways to make things better with new ideas, new solutions and new approaches to make things easier for our customers. That way, we can all stay a step ahead.

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