Our Cookie Policy explained


Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site. 

Like many organisations, we use cookies to do a variety of different jobs including navigating the site efficiently and generally improving your experience. We also use them to help ensure that the ads you see online are made more relevant to you and your individual interests.   

As well as cookies, we use pixel tags and JavaScript to undertake these tasks. You can control and delete the cookies which are downloaded to your device from within your browser settings.  Details on how to do this, as well as more information on cookies is available here, or please contact us directly for further information  

When you visit our website, we deploy these technologies for the reasons given above, as well as to detect and prevent fraud. We also collect information about how you use our site – for example information on the device you’ve used to find us, the way you use the site (the pages you visit and actions you complete on these pages) and the IP address your device connects from – amongst many other things. 

You may not be able to complete certain activities when opening a savings account online or within our customer portal if the relevant cookies are not enabled.

We use cookies to:

• Ensure your security and privacy when in secure areas of our site

• Store login details for secure areas – such as the customer savings portal

• Temporarily store input information in our calculators, tools and application forms.

• Provide you with advertising which is more relevant to you, improve our targeting and enhance your journey through our sites.

• Improve our understanding of how you navigate through our website so that we can keep making improvements to suit you

• Evaluate our sites' advertising and promotional effectiveness (we own the anonymous data collected and don't share it with anyone); and

• We use both our own (first-party) and partner companies' (third-party) cookies to support these activities.

There are 4 main types of cookies as identified by the International Chamber of Commerce guide to cookie categories: Strictly Necessary, Performance, Functionality & Profile and Targeting.  Descriptions of each type of cookie are given below but Cookiepedia also provides concise and user-friendly definitions of each type of cookie.

Strictly necessary Cookies:  Also known as essential cookies, these are necessary for a website to perform correctly and cannot generally be turned off.  

Performance Cookies:  Collect information about how visitors use a website, which pages they visit and actions they perform onsite.  This allows the website owner to improve the performance of the website and the user journey and provide a better experience for its visitors.

Functionality Cookies:  Allow a website to remember choices made by a user such as product selection or customisable parts of webpages

Targeting/Advertising Cookies:  Used by advertisers to show targeted adverts, limit the number of times an advert is seen by a particular user and measure their effectiveness.  

You can control the use of cookies within your browser settings.

Web browsers allow control of most cookies through the browser settings which can be found in the advanced settings area. 

Cookies in emails

As well as on our website, we use cookies in emails to help us understand if you’ve opened the email and interacted with it. We use this information to refine what we send you and provide you with a more personalised experience. 

Dependant on how you have your device and browser set up, some cookies may be downloaded immediately when you open an email from us.  You can disable this by stopping the automatic downloading of images when an email is opened.  This is managed from within your email client (Outlook, Gmail etc) – or by your network administrator.  

Types of Cookies we use:

Web beacons: These are invisible images contained within email content that provide us with the following information:

• Whether you have opened an email

• How often you have opened it

• How you interacted with the email

• which email software and web browser you used

• which device you used

• Your IP address. 

It should be noted that web beacons are also used to present the email in the best format for your device and disabling them can make it more difficult to peruse the information.

Link tracking: When you click on a link in one of our emails, you will be redirected to the server of our mailing company which logs the click and from there you’re redirected to the relevant page on our website. This improves our understanding of who finds our content relevant and allows us to provide our customers with a better, more relevant experience.

Our cookies

You can review your current cookie settings through the button below. The following table details the cookies used by this website and their classification.

You can review your current settings using the button below