Help & Support

There are no charges for opening and operating a DF Capital savings account.

Yes. You can open multiple accounts subject to availability. The overall balance across all DF Capital accounts must not exceed the maximum deposit balance of £250,000.

You can apply for, open and manage your account online. You can also call us on 0330 094 0162.

No. We do not currently offer joint accounts.

No. We do not currently offer ISAs.

For fixed term accounts, the interest rate is fixed for the duration of the term. For notice accounts, the interest rate is variable and can be changed at any point during the lifetime of the account. You will be notified of any changes to your interest rate and more information can be found in our Terms and Conditions, section 26.

The interest rate can be found via your online account. For our current interest rates please see the Our Interest Rates page.

For Fixed Term accounts, interest is calculated daily, applied at the end of the term and can be withdrawn or reinvested at maturity.

For Easy Access and Notice Accounts, interest is calculated daily, applied and added to your account balance on the 1st of each month.

For Fixed Rate, Easy Access and Notice Accounts, you will start earning interest from the first day that your account is funded.

Please contact us immediately at savings@dfcapital.bank if you have any concerns about your account security.

To open an account, you can apply online via our website. When you complete an application, we will check your eligibility and verify your identity.

If you are eligible and we can verify your identity we will be able to set up your account. If we need additional information from you to complete your application, you will be provided with details of what you need to send to us.

Our savings accounts are available to individuals who are UK residents, have had a UK address for at least 3 years and are aged 18 or over. Applicants must also be liable to pay tax in the UK only.

If you become a non-UK resident or you are planning to become a non-UK resident for tax purposes, you must inform us as soon as reasonably practical of your intention to do so and in any event, you must inform us before the date you become a non-UK resident. Your account will be closed in line with the terms and conditions of the account.

To open a savings account you will require the following information:

• A valid email address and telephone number
• Your address details
• Details of your personal UK bank or building society account from which you intend to make the deposit from.

Once you have submitted your application, we will verify your address and identity. We do this by checking several electronic databases immediately after you submit your application.
Following this:

• If your application is successful, you will receive an email with the bank details you need to fund your new account.
• If we need additional information from you to complete your application, you will be provided with details of what you need to send to us.
• If your application is unsuccessful, you will be advised that we are unable to open an account for you at this time.

A nominated account is a UK bank or building society account that you can make payments from and receive payments into. You must be named as an account holder on this account. All deposits into your DF Capital account must come from your nominated account and any withdrawals out of your DF Capital account (including interest payments) will be sent to your nominated account. If you send payments from an account other than your nominated account, your payments will not be accepted and will be returned.

If you want to change your nominated account, you can do so by emailing us at savings@dfcapital.bank. We may ask for additional verification to prove that this is an account in your name.

Yes. You can open multiple accounts, subject to availability. The overall deposit limit is £250,000 across all DF Capital accounts.

You can apply and open an account fully online. If you have any queries please contact our Savings team at savings@dfcapital.bank or call us on 0330 094 0162. Our operating hours are Monday to Friday 9am to 5:30pm, excluding Bank Holidays.

When you apply to open an account, we are required by law to verify your identity to comply with money laundering regulations.

We do this by checking your identity and address electronically through several databases. In some cases, we may need to ask you to send further identification by email.

If asked to do so, please email a scanned copy or electronic photo of your passport photo page and UK photo card driving licence to savings@dfcapital.bank. The name and address shown on your documents must match exactly with those stated in your application.

You will also be asked for a nominated bank account in which you choose to deposit money from and where withdrawals will be received (subject to the Terms and Conditions).

Deposits can be made by Faster Payment, BACS or CHAPs by contacting your bank or building society.

Payments will be applied to your account within one working day of receipt. We will then send you a notification email confirming receipt of your payment by secure message.

You can check your balance at any time through your online account.

For Fixed Rate Deposit accounts, you have a cooling off period of 14 calendar days from the date you opened your account during which you can change your mind. If you decide that you don’t want the account, we’ll cancel it and return your money without interest, penalty or notice. Once this period has expired, no withdrawals, transfers out or closures are permitted until the maturity date unless in exceptional circumstances, see Terms and Conditions.

For Notice Accounts, you can request a withdrawal via your online account or by emailing savings@dfcapital.bank. After the final day of your notice period, we will process your payment and send it to your nominated account. There is a minimum withdrawal amount of £1,000 unless your account balance is lower, in which case you can only withdraw the whole balance.

For Easy Access Accounts, you can request a withdrawal via your online account or by emailing savings@dfcapital.bank, There is a minimum withdrawal amount of £1,000 unless your account balance is lower, in which case you can only withdraw the whole balance. If your withdrawal request is received after 4:30pm or on a non working day, your request will be processed the next working day.

Yes. You can change your mind within 14 calendar days of opening the account, please instruct us by sending an email to savings@dfcapital.bank.

For Notice Accounts and Easy Access accounts, your account will close once all funds have been withdrawn at your request.

For Fixed Rate Accounts, we will email you prior to the end of your fixed term to let you know your options. Upon maturity, we will carry out your instructions to either withdraw your money or reinvest in a new account. Your Fixed Rate account will then automatically close.

We’ll contact you 30 days before the term of your Fixed Rate deposit ends to explain your options for either opening a new savings account with us or withdrawing your funds. We will also send a reminder 14 days before the maturity date. You can provide your maturity instructions through your online account.

If you ask to withdraw the matured funds they will be processed and sent to your nominated account on the day of maturity.

If we don’t hear from you by the maturity date, we will transfer your funds into a Call Deposit Account and close your matured account.

A Call Deposit Account is an interest bearing deposit account that does not permit further deposits and allows a single withdrawal of all the funds to either a new Savings account with us or to your nominated account.

We will never ask for information such as your password or full secret words. If you receive communication asking for these, please do not respond and contact us through our official contact channels.

You will be contacted via email 30 and 14 days prior to your account maturing. 30 days prior to any of your accounts maturing you will be presented with your maturity options through the online savings platform where you can select your maturity options.

If you have any questions, please let us know. You can call us on 0330 094 0162 or send us an email at savings@dfcapital.bank. Our opening hours are Monday to Friday 9am to 5:30pm, excluding Bank Holidays.

If you are a Notice Account or an Easy Access Account customer, you can request a withdrawal by sending us a secure message with the subject ‘Withdrawal/Closure request’ within your online account.

To update your personal details, please send us a secure message via your online account with your request. You can separately view these details within the ‘my services’ page and can also update your marketing preferences here.

Yes – you can. Online savings is available on your smartphone or tablet using your web browser.

Once logged in, you can change these details under security settings.

You can reset your username, password, and passcode by following the ‘forgot your…’ link within your online savings account.

You can log into your online savings account and download a statement from the ‘my accounts’ page under ‘account details’, then ‘transactions’.

You’ll be able to see your balance, transactions, maturity date, view and send us messages and request a withdrawal. For Fixed Rate accounts, you will also be able to inform us of your maturity decisions if you are within the last 30 days of your Fixed Rate term.

Yes, you can view all of your DF Capital Savings accounts and balances.

You can access your online savings account here. Or, if you’d rather, you can click ‘Online Savings’ at the top right hand corner of our website www.dfcapital.bank.

You will log in using the username you have created, your password and three digits from your passcode which you set up when you register.

If you elected to take advantage of the early reinvestment offer, your full balance including accrued interest will be transferred to the new account you have selected. Unfortunately, you will not be able to partially reinvest funds.

Early reinvestment is an offering within DF Capital’s Fixed Rate Deposit accounts where we may invite you to consider reinvesting your current balance along with accrued interest into a new DF Capital Fixed Rate Deposit, over a new term, with a new rate.

If you elected to take advantage of this offer and within the 14-day cooling off period you decide you no longer wish to continue with this transfer, you can request via secure message, email  or telephone to cancel this. If you choose to cancel  within the first 14 days of your early reinvestment, we will reverse this transfer and revert your account to its original state. The account balance and interest will then revert as if the early reinvestment had not taken place.

No. Our early reinvestment product is offered on discretion and will not necessarily be available during the life of your Fixed Rate Deposit.

If you do not wish to take advantage of an early reinvestment, you will not need to take any actions. The Fixed Rate account you have will continue to accrue interest until the account has matured.

If you elected to reinvest early your full balance including accrued interest will be transferred to the new account you have selected. Unfortunately, you will not be able to partially reinvest funds.

You can only reinvest into one early reinvestment account at one time.

If you elect to take advantage of an early reinvestment account, balance along with accrued interest will be automatically applied to your new account within one working day.

No. If you opt for early reinvestment, you will be fixed into your chosen rate and term.