How can we help you today?

You need your name, email address, phone number, and home address. You also choose a password of at least 8 characters, a 6-digit PIN for signing in, and a 4-digit PIN for confirming payments.

Your account opens as soon as you finish the form, and you can sign in straight away.

Yes. Until we verify your identity, a lower daily sending limit applies. Go to Identity check in online banking and upload a photo of the front of your ID, the back if it has one, and a selfie. Our team reviews them and lets you know the result.

Yes. On the Accounts page in online banking, ask for another checking or savings account and choose its currency from the list. Our team activates it and lets you know when it is ready.

Choose "Reset your password" on the sign in page. We email you a link to set a new one.

On the PIN step of the sign in page, ask for a temporary PIN. We email it to you, and it works for 15 minutes. Once you are in, choose a new PIN in Settings.

After five wrong sign in PINs, your profile locks itself to keep it safe. Write to us at info@silvermerebank.com and we will help you unlock it once we have confirmed it is you.

Go to Settings in online banking and switch on email codes. From then on, we email you a one-time code each time you sign in, and each code works for 10 minutes.

Transfers to other customers of the bank arrive instantly. International transfers are reviewed by our team first, and you can follow their status in your transaction history.

Payments leaving the bank are checked by our team before they complete. The money is held in the meantime, and we send you a notification as soon as the payment is approved or declined. If we decline it, the held money goes straight back to your account.

Your daily limit covers everything you send across all your accounts in one day, and it is lower until we verify your identity. Your dashboard always shows the current limit and how much you can still send today.

Open the Accounts page in online banking and select Statement next to the account you need. It opens as a page you can print or save as a PDF from your browser. Each transaction also has its own receipt.

Go to Deposit a check in online banking, enter the amount, and upload a photo of the front of the check, plus the back if you have it. Our team reviews it, and the money is added to your account once it is approved.

It depends on the card level you choose. Every fee is listed on our cards page. The issue fee is held when you apply and returned if we decline the application.

Report it lost on the Cards page in online banking. The card is blocked for good, and you can still move any money on it back to your account. You can then apply for a new card.

Cards spend from their own balance. Top up the card from its linked account on the Cards page and confirm with your transaction PIN. If a top-up fee applies, you see it before you confirm.

Loans have a fixed rate, so you pay the same amount every month for the whole term. You can try different amounts and terms with the calculator on our borrowing page.

Yes. Pay any amount up to what you owe from the Loans and grants page whenever you like. There is no fee for repaying early.

You can have one application of each kind waiting for review at a time. Once we decide on it, you can apply again.

We send you a notification in online banking and an email. If we cannot approve your application, we tell you why.