Kent Reliance Building Society: Current Accounts & Brand Guide

by
Independent UK Kent Reliance Brand Guide

Kent Reliance Building Society: Current Accounts & Brand Guide

If you are searching for a Kent Reliance current account or for the old Kent Reliance Building Society name, there is an important distinction to understand first: Kent Reliance’s current public product range does not list a personal current account. The brand now concentrates mainly on savings, Cash ISAs, bonds and servicing existing Kent Reliance mortgage customers.

Kent Reliance is also no longer a separate mutual building society. Today, Kent Reliance is a trading name of OneSavings Bank plc, part of OSB Group. This page explains what happened to the old building-society identity, how current-account references on the site work, which Kent Reliance services remain available and where existing customers should go.

Open Official Kent Reliance Website View Current Products Contact Kent Reliance
Independent website and security notice: Building-society.org is not Kent Reliance, OneSavings Bank plc or OSB Group. This page cannot view your balance, change a nominated account, move savings, register you for Online Services or alter a mortgage. Never enter your Kent Reliance password, complete User Identification Number, one-time passcode or full account details on this website.

Meaningful editorial review: 18 September 2026. Kent Reliance is currently moving eligible savings accounts to new Online Services, and some online ISA applications are temporarily unavailable during the migration. Product availability, rates, branch services and digital-access procedures can change.

Kent Reliance: Quick Answers

Personal current account? Kent Reliance’s current public product range does not list a personal current account.
Current legal status Kent Reliance is a trading name of OneSavings Bank plc, not a standalone building society.
Parent group OneSavings Bank plc forms part of OSB Group.
FCA/PRA firm reference OneSavings Bank plc: Financial Services Register number 530504.
Current core products Savings accounts, bonds, Cash ISAs and business savings.
New Kent Reliance mortgages? No new Kent Reliance mortgage lending is currently being accepted; the brand is servicing existing borrowers.
General customer service 0345 122 1122.
FSCS Eligible Kent Reliance deposits are currently protected up to £120,000 per eligible person with the relevant authorised firm.
Fast answer for current-account searches: if Kent Reliance asks for a nominated current account, it means a qualifying current account you hold with another UK bank or building society. It is not a Kent Reliance current account.

Does Kent Reliance Offer a Current Account?

Kent Reliance’s current public product navigation lists savings products, bonds, ISAs, business savings and support for existing mortgage customers. It does not currently advertise a standard personal current account range for everyday spending, salary payments, debit-card purchases or routine household direct debits.

That matters because the phrase current account still appears frequently in Kent Reliance savings instructions. In most cases, those references are talking about an external bank account that you already hold elsewhere.

A Kent Reliance savings account

  • Holds money as savings.
  • May pay variable or fixed interest.
  • Can have access or notice restrictions.
  • May require a nominated external account.
  • Is not designed as your everyday spending account.

A typical UK current account

  • Receives salary and regular payments.
  • Supports everyday payments and Direct Debits.
  • Normally comes with broader payment functionality.
  • May provide a debit card or overdraft subject to eligibility.
  • Can be linked to Kent Reliance as a nominated account when requirements are met.
Do not apply for a savings account expecting current-account functionality. Check the product’s withdrawal method, nominated-account rules and access restrictions before opening it.

Official product rangeKent Reliance Current Products

After opening this link:

  1. Review the product categories shown by Kent Reliance.
  2. Use Savings, Bonds, ISAs or Business Savings according to your actual need.
  3. If you were expecting a current account, do not substitute a savings account without reading its payment and access rules.
  4. Open the individual product page for the latest AER, opening balance and withdrawal conditions.

Is Kent Reliance Still a Building Society?

The historic name Kent Reliance Building Society is still widely searched, but the current Kent Reliance operation is legally different. Kent Reliance describes itself as a trading name of OneSavings Bank plc.

OneSavings Bank plc is registered in England and Wales under company number 07312896. Its registered office is The Observatory, Brunel Way, Dock Road, Chatham, Kent, ME4 4AF. The bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority under firm reference number 530504.

Name
What it means
What users should know
Kent Reliance Building Society
Historic building-society identity.
The historic name explains why many people still search for Kent Reliance as a building society.
Kent Reliance
Current customer-facing trading brand.
The legal provider behind the current brand is OneSavings Bank plc.
OneSavings Bank plc
Authorised banking company behind Kent Reliance.
This is the regulated legal name that appears in savings terms and regulatory information.
OSB Group
Wider specialist lending and savings group.
Kent Reliance operates within this wider group structure.

Official legal informationKent Reliance Legal & Regulatory Information

After opening this link:

  1. Scroll to the legal information at the bottom of the official page.
  2. Confirm that Kent Reliance is shown as a trading name of OneSavings Bank plc.
  3. Check firm reference number 530504 if you are verifying the provider through the Financial Services Register.
  4. Use the current legal information rather than relying on an old document headed “Kent Reliance Building Society”.

Why People Still Search for “Kent Reliance Building Society”

Kent Reliance has roots stretching back to building-society activity in Kent in the nineteenth century. Over time, mergers helped create the institution known as Kent Reliance Building Society, which became a major regional savings and mortgage provider.

Kent Reliance’s own historical material says the building society was the UK’s fastest-growing building society between 2003 and 2008. A major restructuring followed in the next decade, and OneSavings Bank emerged as the banking entity behind the Kent Reliance brand.

1840s Kent Reliance traces its savings heritage back to the nineteenth century.
2003–2008 Kent Reliance says the former building society was the fastest-growing UK building society during this period.
2011 OneSavings Bank became the banking identity connected with the restructured Kent Reliance business.
2020 The wider business became OSB Group following the combination with Charter Court Financial Services.
Search-name versus legal-name rule: it is perfectly normal to search “Kent Reliance Building Society”, but current applications, savings terms, FSCS information and regulatory checks should be read using the present OneSavings Bank/Kent Reliance legal structure.

Official brand backgroundAbout Kent Reliance

After opening this link:

  1. Read how Kent Reliance describes its current role as a savings provider.
  2. Review its relationship with OSB Group.
  3. Check the legal footer for the current OneSavings Bank plc information.
  4. Use historical articles only for history, not to identify the current regulated entity.

What Kent Reliance Offers Today

Kent Reliance currently presents itself primarily as a savings provider with both national online/postal access and a smaller physical branch network. The exact product issues change, so compare the live range rather than relying on an old interest-rate table.

Easy-access savings Variable-rate products designed for savers who want access without locking all of their money away.
Limited-access savings Variable-rate accounts that can limit the number of withdrawals within a defined period.
Notice accounts Accounts where notice is normally required before making qualifying withdrawals.
Fixed-rate bonds Fixed-term savings where access is restricted in exchange for a stated fixed rate.
Cash ISAs Tax-free savings products subject to ISA rules and current product availability.
Business savings Selected savings products for qualifying businesses under separate eligibility rules.
Branch-only products Some savings products are reserved for customers applying or managing accounts through the branch network.
Existing mortgages Existing borrowers continue to receive servicing and selected product-transfer support.

What Kent Reliance Means by a “Nominated Bank Account”

This is the current-account detail most likely to confuse people. For relevant savings accounts, Kent Reliance requires a nominated bank account so electronic deposits or withdrawals can be linked to a verified account in your name.

Kent Reliance describes the nominated account as a qualifying current account with another UK bank or building society. It may be a sole or joint account as long as the relevant Kent Reliance customer is named on it and the account can be verified under the applicable process.

External account Your nominated current account is normally held with another UK bank or building society.
Used for money movement Electronic withdrawals from relevant Kent Reliance accounts are sent to the registered nominated account.
Name verification Kent Reliance may electronically verify that the nominated account belongs to the relevant customer.
One nominated account Kent Reliance currently states that each customer may have one nominated bank account for relevant accounts.
Scam protection: a legitimate nominated-account change should be completed through Kent Reliance’s official process. Do not change withdrawal details because somebody who contacted you unexpectedly says your old bank account is unsafe.

Official supportKent Reliance Nominated Account Help

After opening this link:

  1. Find the Nominated Bank Accounts section.
  2. Check whether your Kent Reliance account uses the older or newer Online Services process.
  3. Confirm that the external account meets the name and UK account requirements.
  4. Follow the official change process if your nominated account has changed.
  5. Wait for confirmation before assuming future withdrawals will use the new details.

Kent Reliance Online Services Are Changing in 2026

Kent Reliance is migrating eligible online savings accounts to new Online Services during July to September 2026. That means two customers may currently see different login processes depending on whether their account has already moved.

10-digit User Identification Number

Some existing accounts continue to use the older Online Services login with a numeric User Identification Number.

Username-based access

Accounts opened or migrated onto the newer platform can use the newer Online Services route with a username created during registration.

2026 migration status Checked 18 September 2026

Kent Reliance says eligible online Easy Access, Notice, ISA and Fixed Rate accounts are moving to its new platform during July-September 2026. Customers are being contacted before their individual account moves.

After migration, customers may receive new account details and must register for the new Online Services. Kent Reliance also recommends saving older statements and transaction information that may still be available through the previous service.

New platform functions Instant deposits and withdrawals, real-time statements, alerts and easier online detail updates are among the features being introduced.
Contact details matter Keep your mobile number, email, postal address and nominated-account details up to date before migration.
Mobile needed Kent Reliance states that customers moving to the new Online Services need a mobile phone to register.
Migration support 0345 120 4602, currently published for new Online Services support.

Official migration helpKent Reliance New Online Services Support

After opening this link:

  1. Check whether Kent Reliance has already contacted you about your account moving.
  2. Do not register on a different platform simply because another customer has already migrated.
  3. Update your email, mobile, address and nominated-account details before your migration date if needed.
  4. Save old statements or transaction information that you may need later.
  5. Register on the new platform only after Kent Reliance tells you your account has moved.
Migration scam warning: Kent Reliance says it will not ask you for your full password, complete identification details or a one-time passcode over the phone. A system migration is a common opportunity for impersonation scams.

Kent Reliance Savings: Current Product Snapshot

Savings products are the main reason a new customer would currently use Kent Reliance. Rates below are dated examples, not permanent recommendations or guaranteed future rates.

Selected current examples Checked 18 September 2026
4.21% AER Limited Access Saver – Issue 3, currently shown with up to three withdrawals in 12 months.
4.91% AER Two Year Fixed Rate Bond – Issue 51, currently displayed for online applications.
5.10% AER Regular Savings Account – Issue 12, currently shown as a branch-only product with monthly deposit limits.
£120,000 Current standard FSCS limit for eligible deposits per eligible person with the relevant authorised firm.
Rate-check rule: Kent Reliance uses numbered product issues. An old issue can remain visible in search results after a replacement account has launched. Confirm the exact issue number and current AER immediately before applying.

Official savingsCompare Current Kent Reliance Savings

After opening this link:

  1. Filter the range by fixed, variable, online or branch-only if useful.
  2. Check the exact issue number.
  3. Compare AER together with minimum balance and access restrictions.
  4. Open the product page and read its current Key Features or Summary Box.
  5. Save the terms that apply when you open the account.

Kent Reliance ISA Applications: Temporary September 2026 Change

Kent Reliance is currently carrying out Online Services work that temporarily affects new online ISA applications.

Temporary ISA notice 18 September 2026

Kent Reliance currently states that new online ISA applications are temporarily unavailable during the Online Services upgrade. Its live pages say online ISA applications are expected to be available again after 21 September 2026.

During the temporary online pause, Kent Reliance says customers can still apply for relevant ISA products in a branch, subject to availability and branch-product terms.

Do not withdraw an existing ISA just because the online application route is unavailable. If you want to preserve tax-free ISA status, use the formal ISA-transfer process required by the receiving provider.

Official ISA statusKent Reliance ISA Hub

After opening this link:

  1. Read the temporary service notice at the top of the page.
  2. Check whether online applications have reopened if you are visiting after 21 September 2026.
  3. If you need to apply immediately, review which ISA products remain available through a branch.
  4. For an ISA transfer, use the specific transfer-in or transfer-out instructions rather than making an ordinary withdrawal.

Does Kent Reliance Still Offer Mortgages?

Kent Reliance still supports its existing mortgage borrowers, but it currently states that it is not accepting new Kent Reliance mortgage applications or new mortgage customers.

Existing borrowers can still access mortgage servicing, selected product transfers, mortgage choices and certain changes to their current loan where permitted by the mortgage terms and current lending rules.

Existing borrower support Customers can contact Kent Reliance about servicing an existing mortgage.
Product transfers Qualifying existing borrowers can review mortgage-choice options when their current deal is ending.
New lending Kent Reliance currently says it is not accepting new mortgage applications or new mortgage customers.
Further advances Kent Reliance currently states that further advances are no longer available.
Mortgage warning: your home may be repossessed if you do not keep up repayments on your mortgage. Existing-customer product options can also carry Early Repayment Charges or other conditions.

Existing mortgage customersManage an Existing Kent Reliance Mortgage

After opening this link:

  1. Choose the task matching your existing mortgage.
  2. If your deal is ending, open the mortgage choices information.
  3. Check your current deal end date and any Early Repayment Charge.
  4. For a move, transfer of equity or another change, read the specific eligibility route before sending forms.
  5. If you need mortgage advice, use an appropriately qualified adviser because Kent Reliance states that its relevant product-transfer support is provided without personalised advice.

Kent Reliance FSCS Protection

Kent Reliance states that eligible deposits held through its UK establishment are protected by the Financial Services Compensation Scheme up to the current standard limit of £120,000 per eligible person, per eligible authorised firm.

Kent Reliance’s savings conditions explain that the brand is registered for these purposes under the legal name OneSavings Bank plc. That legal name is important when checking banking licences and whether multiple brands share the same authorisation.

Do not check protection by logo alone. FSCS limits are based on the relevant authorised firm, not simply the marketing brand printed on the website. If you hold large savings across connected banking brands, use the FSCS protection checker and the FCA register.

Official FSCSCheck Deposit Protection With FSCS

After opening this link:

  1. Search for Kent Reliance or the underlying authorised firm.
  2. Check the legal provider and authorisation information.
  3. Add together eligible deposits that share the same relevant banking licence.
  4. If your balance exceeds the standard limit, check whether temporary high-balance protection applies to your circumstances.

Kent Reliance Branches, Opening Hours and Maps

Kent Reliance currently lists six customer branches on its live branch finder: Canterbury, Chatham, Gravesend, Hempstead, Maidstone and Strood. This is important because older Kent Reliance material can refer to a larger historic branch network.

The six currently listed branches use a broadly consistent timetable: Monday and Tuesday 9:00am-4:30pm, Wednesday 10:00am-4:30pm, Thursday and Friday 9:00am-4:30pm, Saturday 9:00am-12:00pm, and closed Sunday and bank holidays. Confirm the individual branch before travelling.

Canterbury

12-13 High Street
Canterbury
CT1 2JE

Near Canterbury East/West rail options and central city services.

Chatham

250 High Street
Chatham
ME4 4AN

Bookable appointments and a separate office are currently listed.

Gravesend

1-2 King Street
Gravesend
DA12 2EB

The current branch is close to transport and town-centre facilities.

Hempstead

76 Hempstead Valley Shopping Centre
Gillingham
ME7 3PD

Located within the Hempstead Valley Shopping Centre.

Maidstone

5-6 High Street
Maidstone
ME14 1HJ

Central location with bookable appointments currently listed.

Strood

137 High Street
Strood
ME2 4TJ

A short walk from Strood railway station according to Kent Reliance.

Kent Reliance Chatham Branch

Address:
250 High Street
Chatham
Kent
ME4 4AN

General customer service: 0345 122 1122

Open Chatham Branch in Google Maps
Old branch list warning: historic Kent Reliance pages mention locations such as Chichester, Hythe and Littlehampton. Those locations do not appear on the current live branch finder reviewed for this page, so use the present branch list rather than an older article before travelling.

Official branch finderKent Reliance Branches

After opening this link:

  1. Search by your postcode or review the current location list.
  2. Open the branch you intend to visit.
  3. Check its current hours rather than relying on an old search result.
  4. Review branch features and travel information.
  5. If your task is specialist, call 0345 122 1122 first to confirm the branch can handle it.

Kent Reliance Contact Numbers and Postal Address

Reason
Contact
Useful note
General savings/customer service
0345 122 1122
Mon-Thu 8am-7pm; Fri 8am-6pm; Sat 9am-2pm; closed Sundays and bank holidays.
New Online Services migration
0345 120 4602
Published migration-support hours: Mon-Fri 9am-6pm, excluding bank holidays.
Mortgage servicing
0345 122 0033
Use for many existing-mortgage servicing questions.
Mortgage choices
0345 671 7274
Existing borrowers reviewing available deal options.
Fraud prevention
0800 054 6513
Use a verified official number if you suspect fraud or account impersonation.
Customer postal address OneSavings Bank
Sunderland
SR43 4AB
Registered office The Observatory
Brunel Way
Dock Road
Chatham, Kent
ME4 4AF
General email shown for many accounts mail@krbs.com
Do not email sensitive details Kent Reliance specifically warns against sending account details, balances or address-change information through ordinary email.

Official contact selectorContact Kent Reliance

After opening this link:

  1. Tell the page whether you are an existing customer.
  2. Select the type of account or service involved.
  3. If you bank online, identify whether you use a 10-digit User Identification Number or a newer Username.
  4. Use the contact details the official selector provides for that account type.
  5. Avoid putting sensitive financial information into ordinary email.

Kent Reliance Fraud and Account-Security Checks

The 2026 Online Services migration makes it especially important to distinguish a real Kent Reliance communication from an impersonation attempt. Do not assume a message is genuine because it refers to the platform migration or already knows some personal information about you.

Kent Reliance says it will not ask for

  • Your full password over the phone.
  • Your complete User Identification details over the phone.
  • A one-time passcode over the phone.
  • An urgent transfer simply because somebody claims your money is unsafe.

If a contact looks suspicious

  • Stop replying.
  • Do not use the link or phone number in the suspicious message.
  • Open Kent Reliance’s website yourself.
  • Use a verified official contact number.
  • Keep evidence of suspicious texts, emails or payment instructions.
Fraud prevention number: Kent Reliance currently publishes 0800 054 6513 for fraud-prevention enquiries during its published service hours.

Official supportKent Reliance Support & Fraud Guidance

After opening this link:

  1. Find the Fraud and Scams section if you think money or account information is at risk.
  2. Use the official contact route rather than continuing a suspicious conversation.
  3. If a payment has already been made, prepare the amount, time, recipient information and how the scam occurred.
  4. Change security information only through the genuine Kent Reliance process.

Common Kent Reliance Name and Account Mistakes

Looking for a Kent Reliance debit-card account The current public range does not list a standard personal current account.
Assuming it is still a mutual building society Kent Reliance is now a trading name of OneSavings Bank plc.
Confusing a nominated account with a Kent Reliance account The nominated account is generally your qualifying external UK bank/building-society account.
Using the wrong online login The 2026 migration means customers can currently have different login identifiers and platforms.
Starting a new mortgage application Kent Reliance currently supports existing mortgage customers rather than accepting new Kent Reliance lending applications.
Using an old branch list The current official branch page lists six locations; older historical pages can show former locations.
Relying on an old savings issue Check the issue number as well as the account name because rates and account issues change.
Sharing a migration passcode A genuine system change does not make it safe to disclose one-time security codes to an unexpected caller.

Kent Reliance vs a Traditional Building Society

Feature
Kent Reliance today
Traditional mutual building society
Legal structure
Trading brand of OneSavings Bank plc.
Separate building society registered under the building-society legal structure.
Ownership
Operates within OSB Group.
Normally member-owned rather than shareholder-owned.
Main consumer offering
Savings-focused brand plus servicing of existing Kent Reliance mortgages.
Often savings and residential mortgages, with range varying by society.
Current accounts
No standard personal current-account range currently listed.
Some large societies offer them; many smaller societies do not.

Related Building Society Guides

If your original search was for a true mutual building society or for a provider offering broader everyday banking, these guides help separate different UK brands and ownership structures.

Nationwide Building Society: Mortgages, Savings & Help Yorkshire Building Society Login, Savings, Mortgages & Contact Family Building Society: Savings, Mortgages & Account Guide Chelsea Building Society: YBS Accounts, Rates & Customer Help Norwich & Peterborough Building Society: Existing Customer Guide Manchester Building Society: Existing Accounts & Newcastle Guide

Official Kent Reliance Resources

These are the official routes most relevant to the brand, savings accounts, Online Services, current-account references, branches and existing mortgage customers.

Kent Reliance Official Website About Kent Reliance Legal & Regulatory Information All Current Products Savings Interest Rates Account Support Account & Login Help Online Services Registration New Online Services Migration ISA Hub ISA Transfers In Existing Mortgage Customers Mortgage Choices Current Branch Finder Contact Kent Reliance FSCS Protection Checker

How This Kent Reliance Guide Was Checked

Current legal trading-name status checked.
OneSavings Bank company and FRN details checked.
Current public product categories checked.
Absence of a standard personal current-account range checked against the live product offering.
Nominated current-account rules reviewed.
2026 Online Services migration reviewed.
Older User ID and newer Username login routes checked.
Current savings product examples checked.
September 2026 temporary ISA restriction checked.
Existing-only Kent Reliance mortgage status checked.
Current £120,000 FSCS limit checked.
Current live branch list checked.
Current customer-service and fraud numbers checked.
Old branch references compared with the current official finder.

Editorial research date: 18 September 2026. Temporary ISA availability and Online Services migration information is especially time-sensitive.

Independent Financial Information Notice

Building-society.org is an independent informational website. It is not Kent Reliance, OneSavings Bank plc, OSB Group, the Financial Conduct Authority, the Prudential Regulation Authority or the Financial Services Compensation Scheme.

This page does not provide personalised financial or mortgage advice and cannot access or change any Kent Reliance account. Current Kent Reliance product terms and official OneSavings Bank documentation control your account or application.

Verify before acting: product issues, savings rates, ISA availability, Online Services migration stages, mortgage servicing procedures, branch details and FSCS rules can change. Confirm material financial decisions on the relevant official page.

Kent Reliance Building Society FAQs

1. Does Kent Reliance offer a personal current account?

Kent Reliance’s current public product range does not list a standard personal current account. Its main new-customer products are savings accounts, bonds, Cash ISAs and business savings. References to a nominated current account normally mean an external UK bank or building-society account held by the customer.

2. Is Kent Reliance still a building society?

No. Although many people still search for the historic Kent Reliance Building Society name, Kent Reliance is currently a trading name of OneSavings Bank plc. OneSavings Bank is authorised by the Prudential Regulation Authority and regulated by the FCA and PRA.

3. Who owns Kent Reliance?

Kent Reliance is a trading name of OneSavings Bank plc. OneSavings Bank operates within OSB Group, a specialist lending and savings group.

4. What is a Kent Reliance nominated bank account?

A nominated bank account is a qualifying account held with another UK bank or building society and registered with Kent Reliance for electronic payments. For relevant accounts, Kent Reliance verifies that the nominated account belongs to the customer before it is used for withdrawals or payments.

5. Why are there two Kent Reliance Online Services login types?

Kent Reliance is migrating eligible savings accounts to new Online Services during 2026. Some customers still use a 10-digit User Identification Number, while customers on the newer platform use a Username. Follow the instructions Kent Reliance sends for your specific account rather than switching login routes yourself.

6. Are Kent Reliance online ISA applications available?

When this guide was reviewed on 18 September 2026, Kent Reliance stated that new online ISA applications were temporarily unavailable during its Online Services upgrade and were expected to become available again after 21 September 2026. Relevant branch ISA applications remained available subject to current product terms.

7. Does Kent Reliance still offer new mortgages?

Kent Reliance currently states that it is not accepting new mortgage applications or new mortgage customers. It continues to support existing mortgage borrowers, including eligible product-transfer and mortgage-servicing tasks.

8. How much Kent Reliance savings money is protected by FSCS?

Eligible Kent Reliance deposits are currently protected up to the standard £120,000 FSCS limit per eligible person with the relevant authorised firm. Kent Reliance is registered under the legal provider name OneSavings Bank plc, so check the authorised firm when assessing protection across connected brands.

9. What is the Kent Reliance customer-service phone number?

Kent Reliance currently publishes 0345 122 1122 for general customer service. Published hours are Monday to Thursday 8am-7pm, Friday 8am-6pm and Saturday 9am-2pm, with the service closed on Sundays and bank holidays.

10. Where are the current Kent Reliance branches?

The live Kent Reliance branch finder reviewed for this guide lists Canterbury, Chatham, Gravesend, Hempstead, Maidstone and Strood. Older historical pages may show additional former branch locations, so check the current official branch finder before travelling.

Leave a Comment