Tandem Bank Reviews 4,620

TrustScore 4.5 out of 5

4.3

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers frequently mention the positive aspects of the service provided, highlighting its efficiency and clarity. Many reviewers appreciated the staff's helpfulness and professionalism, noting their patience and ability to explain details clearly. Consumers also reported a smooth and easy-to-understand user experience. However, some reviewers expressed mixed feelings about the customer service and response times. While some customers lauded the customer service for being calm, kind, and polite, others reported negative experiences, citing issues such as rude behavior, lack of communication, and unhelpful support. The opinions on response times are similarly divided, with some praising the promptness and efficiency, while others reported delays and a lack of responsiveness.

Based on these reviews

Rated 5 out of 5 stars

Tandem Bank made a great first impression. The ID checks were thorough without feeling heavy, and the whole process felt fair and human. The app guided me step by step, and the tone stayed friendly t... See more

Company replied

Rated 5 out of 5 stars

The customer service is great, calm, kind and polite. Mr Jay is always ready to help, even one step forward! He breaks everything down, with patience and quickly addresses all the information required... See more

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Rated 5 out of 5 stars

I applied via a broker and got tandem accepted my application and have set up my account without any issues at all. I now have my car and an easily accessible online account for tracking/making all my... See more

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Rated 5 out of 5 stars

had a great experience arranging my car finance. The process was clear from start to finish, and everything was explained in a way that was easy to understand. My application was handled quickly, and... See more

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Rated 5 out of 5 stars

There was technical error on my account which was stressful and left me in panic, but thanks to Rhys he swiftly dealt with the matter very reassuring. Honestly this is my first time dealing with tande... See more

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Rated 5 out of 5 stars

Strategic vehicle solution is the best in the game when it comes to getting car finance or looking to sell your car. First and foremost I want to thank Carlos for his outstanding customer service and... See more

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Rated 1 out of 5 stars

Would rate a zero if I could. Tandem removed the verified account self service function. I have phoned, emailed several times. Finally sent the opening statement of my new bank account that I switched... See more

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Rated 5 out of 5 stars

We had a really good experience with Tandem. Our broker was Lauren and she did an amazing job explaining everything to us as clearly as possible, even when we had a little knot on the way, it was han... See more

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Rated 5 out of 5 stars

Amazing experience from start to finish! Bought a car a Tuesday and picked it up the Friday. Excellent services. Everything came through straight away from messaging to emails. Easy to understand the... See more

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Rated 1 out of 5 stars

Opened an ISA on 29 December 2025 and requested a transfer on 1 January 2026. Almost 3 weeks later, absolutely nothing has happened and no communication whatsoever. Tried contacting through online cha... See more

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Rated 5 out of 5 stars

Generally very happy with Tandem. Quick and easy application and funds paid out in a timely manner A small mistake was made when disbursing my funds, however , after contacting them it was sorted... See more

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Rated 5 out of 5 stars

The way they transferred the money within a day into my broker account was unbelievable 👏 easy to get the loan you want no hassle no stress no worries about getting declined or not. getting approved... See more

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Rated 5 out of 5 stars

Tandem have been my husbands rock! My husband recently purchased a vehicle that was beyond repair within 3 months of ownership this was a very stressful and expensive time. They looked after him and... See more

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Rated 5 out of 5 stars

Tandem made my finance so easy to set up. The payment calculator was fantastic to work out how many months I wanted to pay back the loan. Having a 3 year interest free option was just what I was hopin... See more

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Rated 5 out of 5 stars

From start to finish Edinburgh Boilers were first class. The Father and son who fitted the boiler were excellent, job done in approximately 3 hours they were neat and tidy and left the house as it wa... See more

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Rated 5 out of 5 stars

I had a massive decision to make and literally 3 days to make it to ensure I had a car and didn’t need to let it impact my working life and TANDEM were amazing Quick and friendly service and a deal... See more

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Rated 5 out of 5 stars

Tandem has made my life so easy. Quick, no nonsense, and totally professional. I can and have told my friends and relatives about how accommodating and understanding the staff at Tandem are. Ready to... See more

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Rated 5 out of 5 stars

We spoke with Luke today who was totally professional. He listened to our problem attentively, didn’t rush us and treated us with utmost respect. If only all customer service experiences were like thi... See more

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Rated 5 out of 5 stars

I recently had new windows installed by First Home improvements. Matthew Wick & Andy O’Connor carried out the installation and I was impressed in how considerate and courteous they both were. All rub... See more

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Rated 5 out of 5 stars

Tandem together with CarMoney made my car purchase a dream process! Everything was seamless and documents easy to access on my mobile. Sorted in 48hours. Can’t recommend them more highly. - D. Heref... See more

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Rated 1 out of 5 stars

I was disappointed with this company in their ability to conduct a consumer rights complaint/investigation. No one from the complaint department actually speaks to you, or is contactable via the phone... See more

Company replied

Rated 2 out of 5 stars

Wished to pay off an outstanding balance by cheque. They could not advise who to make the cheque payable to. Did not answer any of my e-mails. Had to cancel cheque with bank and pay by bank transf... See more

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Rated 1 out of 5 stars

Wouldn't touch with a barge pole. Customer service are rude, even if yiu lend 10k you will be expected to pay back everything including interest. Even if you offer early repayment. They are a very... See more

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Rated 1 out of 5 stars

Communication is shocking! Don't respond to emails and when try to call, get option for call back by pressing 1 and no ever returns call. 3 Emails I've sent now regarding me paying loan off and reques... See more

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Rated 1 out of 5 stars

Took out a home loan in May 2023. Fast forward now when i am trying to sell my house my solicitor informed me that Tandem bank never completed the process to register their interest with HM land regis... See more

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Rated 1 out of 5 stars

I got a scripted reply to my simple question. When asked to escalate the matter as replies were not sufficiently clear, I got cut off with a message connection timed out!!! So I emailed the same que... See more

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Rated 1 out of 5 stars

I strongly advise anyone considering finance with this company to look elsewhere. My experience has been nothing short of a nightmare. The car I financed developed a major fault immediately after... See more

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Rated 1 out of 5 stars

This company is so bad at communicating I had tried to change my payment date as I change jobs and would be getting paid on a different date. This proved difficult to do with them and ended up missing... See more

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Rated 1 out of 5 stars

Never known a company to have such poor Customer service, I’ve tried to settle a loan and trying to get a response or replies to emails is a joke. Staff that you do speak too are unhelpful or feel l... See more

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Rated 1 out of 5 stars

I purchased a car and arranged finance through this company, but had issues with the vehicle from day one. Instead of helping, they made it clear the problem was now mine to deal with. The support... See more

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Rated 1 out of 5 stars

App doesn't feel secure. Logging in, the numbers are very slow. They send the one-time passcode to the phone you're on! If your phone got stolen, the thief could get right in to your account. Update... See more

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Rated 1 out of 5 stars

I wanted to make an early payment on a portion of a home improvement loan with Tandem. I rang up and spent an eternity waiting for an answer. I got through to someone eventually who said that he would... See more

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Rated 1 out of 5 stars

Worst company ever, had finance with them , never reply to emails. Sent out yearly statements that had errors on it. Now the account is closed have not supplied a closing balance or letter showing a... See more

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Rated 5 out of 5 stars

I'm basically here to rate Mr Mohammed's excellent customer service today. Since I've been in this country, I've never been so lucky to get in contact with a service provider who is FAST, CLEAR AND PR... See more

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Rated 5 out of 5 stars

Tandem savings accounts are the best so easy to use and simple for anyone money clears quick I love my tandem account just started and got nearly 4percent interest daily compounded added monthly it’s... See more

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Rated 1 out of 5 stars

Had a car finance with them got a problem with the cars timing belt within first 4 months due to which reason i decided to reject the vehicle after 5 months of having to pay for insurance for it to be... See more

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Rated 5 out of 5 stars

I had a really great experience with Tandem’s customer service. The team was incredibly helpful, patient, and professional throughout the entire process. They took the time to listen to my issue, expl... See more

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Rated 1 out of 5 stars

Another snake in sheep's clothing. Very happy to take your money and take in £000s on interest, but the second there is a problem, the management team are completely deviod of empathy and human touch.... See more

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Rated 1 out of 5 stars

About to start a finance with them. Received an email with a link to access my account. Link didn’t work so no access or control over my account. They don’t respond to emails. Typical British after sa... See more

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Rated 4 out of 5 stars

It was a great experience, they financed my new car within a day, visit or apply finance for your new car or on things another then take first step to your new thing. Thank you tandem bank

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Rated 5 out of 5 stars

5* customer service. Had to call twice due to lost phone (my fault) Call answered immediately with no waiting, and both times dealt with by friendly agents in a super efficient manner! Really helpf... See more

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Rated 5 out of 5 stars

Being at my age i didn't expect to get a loan, but i did the whole experience was great from being to end, the person who dealt with my application (Hamza) was so patient with at no time did i feel... See more

Company replied

Rated 5 out of 5 stars

This is my first dealing with Tandem Bank. They fully explain things out clearly in terms that don’t baffle you with jargon. I am impressed. Will definitely use this business again. Very impressed wi... See more

Company replied


Company details

  1. Bank

Written by the company

Tandem Bank Limited t/a Tandem is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Tandem Bank Limited is registered on the Financial Services Register (FRN: 204479). Registered in England and Wales under company number 00955491 with registered office address Viscount Court, Sir Frank Whittle Way, Blackpool, United Kingdom, FY4 2FB.

Tandem Bank

Written by the company

As the UK’s greener, digital bank, Tandem’s on a mission to help the UK transition to a lower carbon lifestyle. We call this banking for a greener future. Banking shouldn’t cost the earth. Tandem offers greener ways to save, borrow and spend. From loans for greener home improvements and vehicles, to EPC discount mortgages and green savings, our products make it easier for more people to choose a greener lifestyle – helping save money, whilst reducing carbon footprints. Launched in 2014 as one of the UK’s original challenger banks, we’re proudly headquartered in the North West, and now employ over 500 people across Blackpool, Cardiff, Durham and London. Recognised in The Sunday Times Best Places to Work for 2024, Tandem also placed 27th in The Sunday Times 100 Tech 2025 – a list of the fastest growing tech companies in Britain, reflective of their growing industry presence.
If you have a query and would like to speak to our Customer Service Team, please give us a call on 01290 211495. Our opening hours are Monday to Friday 9am to 5pm and we’ll be happy to assist. You can also email us at [email protected].

Contact info

4.3

Excellent

TrustScore 4.5 out of 5

5K reviews

5-star
4-star
3-star
2-star
1-star

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Rated 1 out of 5 stars

TSB incompetence

TSB Didn't Transfer my ISA correctly for the third time, customer service doesn't know how to correct the error and at the moment the local branch hasn't solved the problem

February 9, 2026
Unprompted review
Tandem Bank logo

Reply from Tandem Bank

Thank you for your continued feedback. After reviewing your previous interactions with us, it appears that this review may refer to a different organisation.
Should you require further support from us, please do not hesitate to reach out.

Rated 5 out of 5 stars

Tandem has been easy to use and…

Tandem has been easy to use and customer services were very helpful.

February 10, 2026
Unprompted review
Tandem Bank logo

Reply from Tandem Bank

Thank you for sharing your experience with us, we're so glad to hear you're happy with the level of service we’ve provided. We appreciate your feedback and look forward to helping you again in the future. If you require any assistance, please don’t hesitate to contact us on 0203 370 0970 or chat with us in-app. Our opening hours are Monday to Friday 9am to 5pm.

Rated 1 out of 5 stars

Motor finance, consumer rights investigation

I was disappointed with this company in their ability to conduct a consumer rights complaint/investigation. No one from the complaint department actually speaks to you, or is contactable via the phone. Response times are shocking, even with the compelling evidence they believe nothing is wrong. I now look back and believe the delayed responses was so they could align their stories with the car provider. It's clear to me now the motor trade industry and finance industry work collaboratively against the consumer. Really disappointed, I would find a different finance company if your in need of finance, they talk the talk but don't walk the walk!

December 8, 2025
Unprompted review
Tandem Bank logo

Reply from Tandem Bank

Thank you for sharing your experience. Your feedback is appreciated as we’re always looking for ways to improve. Your feedback will be shared with the relevant team.

Rated 5 out of 5 stars

Changing address

To change my address it was quite easy through the live chat. Just took a few minutes.

February 6, 2026
Unprompted review
Tandem Bank logo

Reply from Tandem Bank

Thank you for sharing your experience with us, we're so glad to hear you're happy with the level of service we’ve provided. We appreciate your feedback and look forward to helping you again in the future. If you require any assistance, please don’t hesitate to contact us on 0203 370 0970 or chat with us in-app. Our opening hours are Monday to Friday 9am to 5pm.

Rated 5 out of 5 stars

used live chat

Ryan dealt with my query promptly thanks

February 6, 2026
Unprompted review
Tandem Bank logo

Reply from Tandem Bank

Thank you for sharing your experience with us, we're so glad to hear you're happy with the level of service we’ve provided and will ensure that Ryan receives your feedback We look forward to helping you again in the future. If you require any assistance, please don’t hesitate to contact us on 0203 370 0970 or chat with us in-app. Our opening hours are Monday to Friday 9am to 5pm.

Rated 1 out of 5 stars

Problem with ID photo setup on app


I tried to help my partner without success over a couple of days using the photo setup on the app to verify her identification.
Because there is no other timely way to securely provide this information, she has been unable to invest a substantial sum with Tandem!

Update: Please will you telephone me ASAP on the number provided to resolve this issue which will be to the benefit of Tandem and me?

06Feb26 1316hrs Update: I have been informed that I can do this via Live chat which I have just done - hopefully this will resolve the issue!

February 5, 2026
Unprompted review
Tandem Bank logo

Reply from Tandem Bank

We appreciate all feedback from our customers and are constantly looking for ways to improve. We're sorry to hear that your experience has not met your expectations and have shared your comments with the relevant team for investigation

Rated 3 out of 5 stars

There was a problem to open the account…

There was a problem to open the account and when trying to use Live chat it took 10 minutes to connect to some. Still didn't get the answer to why there was a problem. Just told to check my emails. Not very satisfactory

February 4, 2026
Unprompted review
Tandem Bank logo

Reply from Tandem Bank

Thank you for sharing your experience. Your feedback is appreciated as we’re always looking for ways to improve. Your feedback will be shared with the relevant team.

Rated 5 out of 5 stars

Good Knowledge about finance,Answered…

Good Knowledge about finance,Answered all my questions and Beyond.Left me with good assurance and pro tips for the future payments.Spoken very clear with no rush 10/10

February 3, 2026
Unprompted review
Tandem Bank logo

Reply from Tandem Bank

Thank you for sharing your experience with us, we're so glad to hear you're happy with the level of service we’ve provided. We appreciate your feedback and look forward to helping you again in the future. If you require any assistance, please don’t hesitate to contact us on 0203 370 0970. Our opening hours are Monday to Friday 9am to 5pm

Rated 5 out of 5 stars

Incredible affordable

How affordable the finance was windows and doors good quality installed in a day
Excellent

January 13, 2026
Unprompted review
Tandem Bank logo

Reply from Tandem Bank

Thank you for sharing your experience with us, we're so glad to hear you're happy with the level of service we’ve provided. We appreciate your feedback and look forward to helping you again in the future. If you require any assistance, please don’t hesitate to contact us on 0203 370 0970. Our opening hours are Monday to Friday 9am to 5pm

Rated 5 out of 5 stars

Relationship was setup via Zuto

Relationship was setup via Zuto. Gave the best rate and dealing with them was straightforward.

January 26, 2026
Unprompted review
Tandem Bank logo

Reply from Tandem Bank

Thank you for sharing your experience with us, we're so glad to hear you're happy with the level of service we’ve provided. We appreciate your feedback and look forward to helping you again in the future. If you require any assistance, please don’t hesitate to contact us on 0203 370 0970 or chat with us in-app. Our opening hours are Monday to Friday 9am to 5pm

Rated 5 out of 5 stars

Easy to use account and quick customer…

Easy to use account and quick customer service !

February 3, 2026
Unprompted review
Tandem Bank logo

Reply from Tandem Bank

Thank you for sharing your experience with us, we're so glad to hear you're happy with the level of service we’ve provided. We appreciate your feedback and look forward to helping you again in the future. If you require any assistance, please don’t hesitate to contact us on 0203 370 0970 or chat with us in-app. Our opening hours are Monday to Friday 9am to 5pm

Rated 4 out of 5 stars

Good experience on the whole.

Good experience on the whole although the Live Chat was a bit slow on occasion.

February 2, 2026
Unprompted review
Tandem Bank logo

Reply from Tandem Bank

Thank you for sharing your experience with us, we're so glad to hear you're happy with the level of service we’ve provided. We appreciate your feedback and look forward to helping you again in the future. If you require any assistance, please don’t hesitate to contact us on 0203 370 0970 or chat with us in-app. Our opening hours are Monday to Friday 9am to 5pm

Rated 5 out of 5 stars

Great customer service

Great customer service. Quick and easy to live chat with a representative.

February 2, 2026
Unprompted review
Tandem Bank logo

Reply from Tandem Bank

Thank you for sharing your experience with us, we're so glad to hear you're happy with the level of service we’ve provided. We appreciate your feedback and look forward to helping you again in the future. If you require any assistance, please don’t hesitate to contact us on 0203 370 0970 or chat with us in-app. Our opening hours are Monday to Friday 9am to 5pm

Rated 5 out of 5 stars

Very helpful

Very helpful

January 29, 2026
Unprompted review
Tandem Bank logo

Reply from Tandem Bank

Thank you for sharing your experience with us, we're so glad to hear you're happy with the level of service we’ve provided. We appreciate your feedback and look forward to helping you again in the future. If you require any assistance, please don’t hesitate to contact us on 0203 370 0970 or chat with us in-app. Our opening hours are Monday to Friday 9am to 5pm

Rated 4 out of 5 stars

Everything went through great

Everything went through great. Customer service was excellent. Only issue was I wanted a two year loan, but could only be offered a three year deal.
Other than that, fantastic.

January 28, 2026
Unprompted review
Tandem Bank logo

Reply from Tandem Bank

Thank you for sharing your experience with us, we're so glad to hear you're happy with the level of service we’ve provided. We appreciate your feedback and look forward to helping you again in the future. If you require any assistance, please don’t hesitate to contact us on 0203 370 0970 or chat with us in-app. Our opening hours are Monday to Friday 9am to 5pm

Rated 5 out of 5 stars

Tandem Live Chat Feedback

Quick, friendly and efficient help using online chat

January 28, 2026
Unprompted review
Tandem Bank logo

Reply from Tandem Bank

Thank you for sharing your experience with us, we're so glad to hear you're happy with the level of service we’ve provided. We appreciate your feedback and look forward to helping you again in the future. If you require any assistance, please don’t hesitate to contact us on 0203 370 0970 or chat with us in-app. Our opening hours are Monday to Friday 9am to 5pm

Rated 5 out of 5 stars

Great customer service

So so helpful!
Fliss had to answer about 101 questions from me and she was so polite and answered everything clearly and concisely.
Thank you so much!

January 27, 2026
Unprompted review
Tandem Bank logo

Reply from Tandem Bank

Thank you for sharing your experience with us, we're so glad to hear you're happy with the level of service we’ve provided. We appreciate your feedback and look forward to helping you again in the future. If you require any assistance, please don’t hesitate to contact us on 0203 370 0970 or chat with us in-app. Our opening hours are Monday to Friday 9am to 5pm

Rated 5 out of 5 stars

Great job

Great job
House left tidy

January 9, 2026
Unprompted review
Tandem Bank logo

Reply from Tandem Bank

Thank you for sharing your experience with us, we're so glad to hear you're happy with the level of service we’ve provided. We appreciate your feedback and look forward to helping you again in the future. If you require any assistance, please don’t hesitate to contact us on 0203 370 0970 or chat with us in-app. Our opening hours are Monday to Friday 9am to 5pm

Rated 4 out of 5 stars

They were prompt in responding

They were prompt in responding

January 17, 2026
Unprompted review
Tandem Bank logo

Reply from Tandem Bank

Thank you for sharing your experience with us, we're so glad to hear you're happy with the level of service we’ve provided. We appreciate your feedback and look forward to helping you again in the future. If you require any assistance, please don’t hesitate to contact us on 0203 370 0970 or chat with us in-app. Our opening hours are Monday to Friday 9am to 5pm.

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