I'm going to close my account tomorrow. TSB are not user friendly and make it really difficult when I go into branch to pay bills. I tried to get set up with internet banking thinking it would make life easier as I live in a rural location. OMG what a nightmare, couldn't even log in besides all my log in codes and user ID etc etc and having to wait for a text with yet another code each time and then to have to remember all the security prompt questions.