Frequently Asked Questions
Quick answers to the questions we hear most, from opening an account to reporting a lost card.
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Key features
Accounts and switching
How to open an account, switch to Mosey with the Current Account Switch Service, and manage joint accounts.
Cards and payments
Freezing a lost card, setting up Apple Pay and Google Pay, and sending money at home and abroad.
Security and support
How we protect your account, how to spot a scam, and the fastest ways to reach a real person.
Frequently asked questions
Quick answers to the things we hear most.
How do I open a current account?
You can open a Mosey current account online in around 10 minutes. All you need is a smartphone, a valid UK address, and proof of identity. We run a soft credit check that won't affect your credit score.
What savings rates do you offer?
We currently offer an easy-access savings account at 4.6% AER and a 1-year fixed-rate account at 5.1% AER. Rates are variable on easy-access accounts and fixed for the term on fixed-rate accounts.
How does the mortgage application work?
Start by getting a decision in principle online - it takes around 10 minutes and won't affect your credit score. One of our advisors will then call you to discuss your options and guide you through the full application.
Is my money protected?
Yes. Mosey Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. Eligible deposits are protected by the FSCS up to £85,000 per person.
How do I switch banks to Mosey?
We use the Current Account Switch Service (CASS), which moves all your direct debits and standing orders automatically within 7 working days. Your old account closes on the switch date and any payments to or from your old account are forwarded for 3 years.
What do I do if my card is lost or stolen?
Open the Mosey app and go to Card Controls to freeze your card immediately. If you're sure it's lost or stolen, tap 'Cancel card' to order a replacement, which arrives within 3-5 working days. You can also call our 24/7 fraud line.