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5 articles
When a bank closes a joint account because of one holder's conduct or risk profile, the other holder is left holding the paperwork. This guide sets out how joint and several liability works, what happens to balances, bills and credit files, and how to sever shared finances without damaging your own record.
De-risking moves the question from what you did to what you do for a living. This guide explains why UK banks close accounts by sector, what they must disclose, and how to challenge a decision rooted in blanket risk policy.
A bank closure is rarely the end of the process, but the appeal route is not equal across the industry. This editorial scorecard compares eight UK banks on transparency, speed, ombudsman outcomes and explanation quality, with practical wording for escalating a refusal in 2026.
A restriction on your account is not the same as a closure, and the first three days are when access, evidence and goodwill are still winnable. This is a practical, hour-by-hour plan for UK customers who have just discovered their bank has stopped the money moving.
A bank closure letter can look final, but it is a decision with a process behind it. This checklist sets out the questions UK customers should ask before accepting a bank's position, from notice periods and contractual terms to complaints, vulnerability and the Financial Ombudsman.