How to download your TSB bank statement
TSB provides PDF statements through online banking and the mobile app:
- TSB app — tap your account → tap the menu or More → Statements → select the month → download PDF
- Online banking — log in at tsb.co.uk → select your account → Statements → choose the period → download as PDF
- Older statements — TSB holds up to 7 years of statements online. For records beyond that, contact TSB by secure message or call 03459 758 758.
- Branch access — unlike purely digital banks, TSB has a branch network and you can request statement prints in branch if needed.
TSB switched its banking platform in 2018, which means statements from before April 2018 may look different in format and layout from current statements.
What the columns on a TSB statement mean
A TSB current account statement is laid out with these columns:
- Date — when the transaction posted to your account
- Description — a short reference identifying the payment type and merchant or sender
- Paid out — money leaving your account (debits)
- Paid in — money arriving in your account (credits)
- Balance — your running balance after each transaction; shown with "OD" if overdrawn
TSB transaction codes explained
TSB uses the standard UK payment type codes in the description field:
- DD — Direct Debit. A recurring authorised payment collected by a company on agreed dates — utilities, insurance, phone contracts, subscriptions, and council tax.
- SO — Standing Order. A fixed recurring transfer you set up yourself — same amount, same date each period. Commonly used for rent or regular savings.
- FPI — Faster Payment In. Near-instant money received from another UK bank account via Faster Payments.
- FPO — Faster Payment Out. A near-instant bank transfer you sent via Faster Payments.
- BGC — Bank Giro Credit. A credit into your account — salary payments, HMRC tax credits, and benefit payments commonly appear as BGC.
- BACS — Bankers' Automated Clearing Services. A 3-working-day payment used for payroll runs and employer payments.
- CHAPS — Clearing House Automated Payment System. A same-day high-value payment, typically used for property purchases.
- ATM — Cash machine withdrawal.
- POS — Point of Sale. A TSB debit card payment at a physical terminal.
- CHQ — Cheque payment, followed by the cheque serial number.
- TFR — Transfer between your own TSB accounts.
- INT — Interest charged on an overdraft or earned on your balance.
- OD — Overdrawn. Your balance is in the negative.
- REV — Reversal. A transaction that was applied and then reversed or refunded.
- VIS — Visa card transaction, occasionally shown for card payments.
💡 TSB was part of Lloyds Banking Group until 2013 and used the same systems — which is why TSB's statement codes and layout are still nearly identical to Lloyds and Halifax. If you've banked with any of these brands, the format will be familiar.
Opening balance, closing balance, and checking your TSB statement
Each TSB statement covers one calendar month. The opening balance at the top shows what your account held at the start of the period; the closing balance at the bottom shows what remained at the end.
To verify: opening balance + total paid in − total paid out = closing balance. TSB includes running totals at the end of each statement page.
A balance with "OD" means your account was overdrawn at that point. TSB charges a monthly usage fee on arranged overdrafts rather than a daily interest rate on some accounts — check your account terms for the exact charges, which will appear as a fee entry on your statement.
How to dispute a charge on your TSB statement
- Search the description text online — most unfamiliar billing names resolve to a legitimate merchant
- Check your email around the same date for receipts or order confirmations
- For an unauthorised Direct Debit, claim an immediate refund under the Direct Debit Guarantee — TSB must return the money on request via the app, online banking, or by calling 03459 758 758
- For unrecognised card payments, raise a dispute through the TSB app or by calling the number above
- TSB is covered by the Financial Ombudsman Service for unresolved disputes
Analyse your TSB statement automatically
Decoding TSB transaction codes and categorising a full month of spending by hand is time-consuming. MoneySorted reads your TSB PDF statement and does it automatically — every transaction categorised, monthly totals calculated, and a full spending breakdown ready in under 60 seconds.
No TSB login required. Upload the PDF you've already downloaded and export to CSV or Excel for your records or accountant.
See also: complete guide to converting UK bank statements to Excel.