As a mutual, we're owned by, and run for, the benefit of our members* - meaning we're free to reinvest more of our profits into improving products and services. Last year alone, we paid back half a billion pounds to members through better-value current accounts, mortgages and savings accounts. And we plan to do even more. Like investing £500 million into our branches over the next five years. Plus, our ethos is to not only look after our members and their money, but to give back to our wider communities, too. You'll find us in one of 700+ branches across the UK, where we look forward to saying hello. * You're a member when you have a current account, mortgage or savings account with us.