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Frequently Asked Questions

If you require further information please see the 'Frequently asked questions' below, which will hopefully answer any potential query that you have. If you still require assistance please feel free to contact us for further advice.

How do I apply for an account?

Applications are made online. Simply click on apply and fill in the application form.

If you pass our identity checks, your account will open automatically and your User ID will be sent to you by post on the next working day. If you do not pass, you will need to supply us with personal identification and/or address verification. The application process will advise you which documentation to forward to us.

You will also need the sort code and account number of your personal UK bank or building society account to set up as your external nominated account.

Tax Residency Information?

If you are liable to pay tax in a country other than the UK or in addition to a UK tax liability, we may provide details of your accounts with us to the tax authorities of these other countries if legislation requires us to do so.

Do I need to provide you with my National Insurance Number?

You only need to provide your National Insurance number when you are applying for a Cash ISA (if available)

What is a nominated account?

A 'nominated account' is the external bank or building society account you have chosen to be linked to your Melton Mowbray Building Society online and/or passbook account.

On a sole account you may only set up one nominated external bank or building society account.

Joint account holders may register different nominated accounts for each holder if they wish. If you hold a joint account and would like to register a different nominated account for each holder, log into your account, click on My Details and download the Change of Nominated Account form.

All new or amended nominated bank accounts for online savings accounts and My Melton Online customers have to be verified before they can be used for making transactions.

How do I verify my nominated account?

We will send you a verification code by post which you will need to enter when you log in to your savings account.

Instructions on how to verify your nominated account will be included within the verification code letter. When you have successfully entered the code, you will be notified by email once your nominated account has been set up for use. This is usually within 24 hours of verification.

Passbook Account Customers only – Please note you may change your nominated account details online as above, but you will not be able to transact online. You will only be able to transact on your passbook account either by visiting your local branch or making the request by post.

Paying in to my account

You can pay into your account as soon as your account has been opened. You must ensure that the correct sort code, account number and reference numbers are quoted when sending funds.

Please refer to the product specific terms and conditions for your chosen account for confirmation of timescales to deposit funds.

Do I get a chequebook or a debit card with my Melton Mowbray Building Society account?


Unless stated Melton Online Savings are internet based accounts only. Access to your money is by transfer to/from your Melton Mowbray Building Society account to/from your nominated external account.

Access to passbook only accounts is either by post or by visiting your local branch.

How do I log in?

To log in simply visit and click on 'log in'. Please make sure you have your User ID, password and memorable data to hand.

Forgotten my password – What do I do?

If you have forgotten your password, simply click on our ‘Forgotten Password’ link on our ‘Log In’ page and follow the on screen instructions. You will be provided with the first part of a temporary password on screen with the remainder sent to you as an email. Once you log in, you will be required to change the password to a more memorable one.

Please note you will need access to your nominated e-mail account to complete the password reset process.

How do I withdraw money from my account?

Online Account Holders only - To withdraw money from your account, simply log into your account (please make sure you have your User ID, password and memorable data to hand).

Withdrawals are made by transferring funds directly to your nominated bank or building society account subject to the terms applicable to that account. For the purposes of such withdrawals, funds will be sent by close of business the following day of the request, unless a later date has been selected. Requests received after 3.30pm will be classed as received on the next working day and be sent the following working day.

Passbook Account Customers only – If you have registered for an online User ID to view your passbook accounts online, you will only be able to make withdrawals either by visiting your local branch or making the request by post.

Are there any charges for operating my account?

There are no charges for the normal operation of your account. However, we may charge for some tasks we may undertake for you, which do not fall within the normal scope of operating an account.

How can I make changes to my account?

Change of Personal Details:

You change the following personal details online by simply logging into your account and visiting the My Details page –

Change of Address*
Change of Contact Details
Change of Email Address
Change of Nominated Bank Details
Change of Contact Preferences
Change of Password

If you change your name, you will need to inform us in writing. To do so, simply log in to your account, click on My Details then click on Change Name. Download the Change of Details form, print, complete and sign it, and return it, together with the relevant evidence to support the change of name, to Melton Mowbray Building Society, Mutual House, Leicester Road, Melton Mowbray, Leics., LE13 0DB. (Please note that changes made to joint accounts must be signed and authorised by all the account holders)

*Your address cannot be changed if you are also a mortgage customer

Income Tax:

Tax-free savings all changed from 6th April 2016 with the introduction of the new Personal Savings Allowance. This is the amount you are able to save tax free and will depend on your total taxable income.

HM Revenue and Customs (HMRC) have created a new Personal Savings Allowance (PSA, exempting the first £1,000 of savings income from any tax for basic rate taxpayers and the first £500 for higher rate taxpayers, savings up to £200 off an annual tax bill. (This will not apply to additional rate taxpayers).

As a result, from 6 April 2016, banks and building societies will pay account interest with no tax taken off. Taxpayers do not need to give any information about their tax circumstances or other savings income to the Melton or any other savings account provider.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Melton Mowbray Building Society is entered in its register under number 106184.

It is also a member of the Building Societies Association, the Financial Services Compensation Scheme and the Financial Ombudsman Service. Full details are available through links on this web site or upon request from any Branch or the Principal Office of the Society.

© 2017 The Melton Building Society