Kent Reliance
Kent Reliance is a UK retail savings bank (trading name of OneSavings Bank plc within OSB Group plc) serving individual savers, small businesses, and existing mortgage borrowers with competitive savings accounts, fixed bonds, ISAs, and a 10-branch south-of-England network.
- Company typePrivate
- Founded1872
- HeadquartersChatham, United Kingdom
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Kent Reliance does
Kent Reliance is a UK retail savings and mortgage brand operating as a trading name of OneSavings Bank plc, itself a subsidiary of OSB Group plc, a holding company listed on the London Stock Exchange. The brand traces its origins to 1872 as a building society in Kent and has provided savings products for over 150 years. Its current product portfolio spans five core categories: variable-rate savings accounts (Easy Access, Limited Access, 60-Day Notice, Regular Saver, and the Demelza Children's Savings Account), Fixed Rate Bonds at 1-, 2-, and 3-year terms, ISAs offering tax-free savings up to a £20,000 annual allowance, Business Savings Accounts for UK Private Limited companies, and mortgages limited to existing borrowers only. The company is authorised by the Prudential Regulation Authority and regulated by the FCA and PRA, with eligible deposits protected up to £120,000 per depositor by the FSCS.
The underlying technology centres on a new Online Services platform that provides instant deposits and withdrawals, real-time statements, helpful alerts, and digital account management, with migration from legacy infrastructure ongoing. Distribution combines digital self-serve, telephone banking, and a network of 10 physical branches across Kent, West Sussex, and Hampshire (Canterbury, Chatham, Chichester, Gravesend, Gillingham, Hythe, Littlehampton, Maidstone, and Strood). Marketing is conducted through website content, email newsletters, organic social media (Twitter/X, Facebook), and third-party endorsements, including Which? Recommended Provider status for 2026 with a 93% customer satisfaction score.
Kent Reliance operates a spread-based revenue model, earning the differential between interest paid to depositors and interest earned on its £25.9bn net loan book (as at 31 December 2025). Pricing is subscription-style across variable accounts and one-time/term licence-style across fixed bonds, with AERs ranging from 3.75% on Easy Access to 5.10% on the Regular Saver. As of 2025, the group reported £4.7bn in lending originated during the year, though new mortgage origination has been paused, with the brand focused on deposit gathering and existing-customer servicing. Geographic operations are restricted to the United Kingdom, with explicit exclusions for Jersey, Guernsey, the Channel Islands, and any non-UK jurisdictions.
Kent Reliance firmographics
Firmographics- Name
- Kent Reliance
- Legal name
- OneSavings Bank plc
- Website
- https://kentreliance.co.uk
- Company type
- Private
- Founded year
- 1872
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Kent Reliance is a UK retail savings bank (trading name of OneSavings Bank plc within OSB Group plc) serving individual savers, small businesses, and existing mortgage borrowers with competitive savings accounts, fixed bonds, ISAs, and a 10-branch south-of-England network.
- Ownership category
- akta.pro rank
Where Kent Reliance is headquartered
LocationHeadquarters
- HQ city
- Chatham
- HQ country
- United Kingdom
- HQ region
- Europe
Offices10 records
Markets served
Kent Reliance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Savings Account Interest Spread: Kent Reliance generates revenue primarily through the spread between interest paid to depositors and interest earned on mortgage lending. The company offers competitive savings rates while originating mortgages to generate yield.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Limited Access Saver - Issue 2 |
| One time/ perpetual license | Annual | Two Year Fixed Rate Bond - Issue 44 |
| One time/ perpetual license | Annual | One Year Fixed Rate Bond - Issue 38 |
| One time/ perpetual license | Annual | Three Year Fixed Rate Bond - Issue 25 |
| Subscription | Annual | Easy Access Savings - Issue 16 |
| Subscription | Annual | 60 Day Notice Account - Issue 73 |
| Subscription | Annual | Regular Savings Account - Issue 12 |
| Subscription | Annual | Demelza Children's Savings Account - Issue 11 |
| Subscription | Annual | Business Savings Account - Issue 24 |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Kent Reliance product offering
Product offeringCore offering
Kent Reliance is a UK specialist retail savings and mortgage bank (trading name of OneSavings Bank plc) offering variable-rate savings accounts, fixed-rate savings bonds, cash ISAs, business savings accounts, and account servicing for existing mortgage customers. Products are distributed through online, telephone, and a 10-branch network across the south of England, with deposits protected by the FSCS up to £120,000.
Product overview
Kent Reliance is a UK retail savings and mortgage bank and trading name of OneSavings Bank plc, regulated by the FCA and PRA. Its product portfolio consists of five core personal banking products: (1) Variable-rate Savings Accounts — including the Limited Access Saver (Issue 2), Easy Access Savings Account (Issue 16), 60-Day Notice Account (Issue 73), Regular Savings Account (Issue 12), and the Demelza Children's Savings Account (Issue 11); (2) Fixed Rate Bonds in 1-year (Issue 38), 2-year (Issue 44), and 3-year (Issue 25) terms; (3) ISAs (Individual Savings Accounts) offering tax-free savings with transfers in and out; (4) Business Savings Accounts for UK private limited companies; and (5) Mortgages exclusively for existing customers. The bank also provides a new Online Services platform offering digital account management with real-time statements, instant deposits and withdrawals, and helpful alerts. Deposits are protected up to £120,000 by the FSCS.
Differentiator
Problem solved
Functional benefit
Products and services
- Limited Access Saver (Issue 2)
- Easy Access Savings (Issue 16)
- 60 Day Notice Account (Issue 73)
- Regular Savings Account (Issue 12)
- Demelza Children's Savings Account (Issue 11)
- One Year Fixed Rate Bond (Issue 38)
- Two Year Fixed Rate Bond (Issue 44)
- Three Year Fixed Rate Bond (Issue 25)
- ISAs (Individual Savings Accounts)
- Business Savings Account (Issue 24)
- Existing Mortgage Servicing
Quantifiable outcome
- 93% customer satisfaction score in Which? analysis vs 76% industry average
- +2 more outcomes
Companies that use Kent Reliance
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Kent Reliance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Kent Reliance partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- Demelza Hospice CarecoreKent Reliance has a long-term charity partnership with Demelza Hospice Care for children. The partnership is supported by the Demelza Children's Savings Account, where a donation is made to the hospice. This partnership provides end-of-life care to children in the UK and support for their families.
- Depaul UKminorUK national charity partner for 2025, a charity working with young homeless people. Group colleagues undertook various fundraisers in support of the partnership.
- Charter Savings BankcoreKent Reliance is part of the OSB Group which includes Charter Savings Bank as another retail savings brand. Products are cross-referenced and customers are directed between brands for ISA availability during online service upgrades.
- Living Wage FoundationminorOSB Group is formally accredited as a UK living wage employer and expects regular third party suppliers to ensure their employees are paid at least the relevant UK national living wage.
- UN Global CompactminorOSB Group became a signatory to the UN Global Compact in 2023, demonstrating commitment to sustainability and upholding principles related to human rights, labour, environment, and anti-corruption.
Scale indicators6 records
Recent moves6 records
Expansion highlights4 records
Kent Reliance competitors and assessment
Company assessmentDirect peers
- Atom Bank: UK digital challenger bank offering savings accounts and fixed-rate bonds with FSCS protection; comparable as a UK specialist savings competitor targeting the same online aggregator-led segment of retail savers.
- Aldermore Bank: UK specialist challenger bank offering retail savings accounts, fixed-rate bonds and ISAs with very similar customer targeting and business model to Kent Reliance, operating without a high-street branch network.
- Skipton Building Society: UK's largest building society offering savings accounts, ISAs, fixed-rate bonds and mortgages to retail customers nationally; comparable as a specialist UK savings franchise with a similar regulated business model.
- Yorkshire Building Society: UK's second-largest building society offering savings accounts, ISAs and mortgages through branch and digital channels; a closely comparable mainstream UK savings-and-lending institution with FSCS protection.
- Paragon Bank: UK specialist bank providing savings products (ISAs, fixed-rate bonds, easy access) serving individual savers and small businesses — a closely analogous specialist-savings model within the UK FSCS framework.
- Principality Building Society: Welsh mutual building society offering savings accounts, ISAs and mortgages to UK retail customers; comparable as a regionally rooted UK savings-and-lending franchise serving similar FSCS-protected customer segments.
- Charter Savings Bank: Sister brand within OSB Group plc alongside Kent Reliance, offering UK retail savings products (variable accounts, fixed bonds, ISAs) directly comparable in product mix, customer target, and regulatory footing.
- Marcus by Goldman Sachs (UK): Digital-first UK savings brand offering easy-access savings accounts and fixed-rate deposits to UK retail savers; directly comparable on product mix (FSCS-protected savings) and on competing for the same aggregator-driven UK saver audience.
- Newcastle Building Society: Regional UK mutual building society providing savings accounts, ISAs and mortgages to retail customers; a directly comparable regional UK savings institution with overlapping product set and customer base.
Broad incumbents
- Nationwide Building Society: UK's largest building society and dominant FSCS-protected savings institution with a full current-account, mortgage and savings proposition across the UK; competes with Kent Reliance for the same retail saver pool but at much greater scale and product breadth.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Kent Reliance social profiles
Digital presenceKent Reliance compliance and trust
Trust signalCompliance3 records
Kent Reliance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kent Reliance leadership team
Management profileNumber of profiles
Profiles2 records
Kent Reliance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kent Reliance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kent Reliance
What does Kent Reliance do?
Kent Reliance is a UK specialist retail savings and mortgage bank (trading name of OneSavings Bank plc) offering variable-rate savings accounts, fixed-rate savings bonds, cash ISAs, business savings accounts, and account servicing for existing mortgage customers. Products are distributed through online, telephone, and a 10-branch network across the south of England, with deposits protected by the FSCS up to £120,000.
Is Kent Reliance a public or private company?
Kent Reliance is a private company. It is classified as public and is currently operating.
When was Kent Reliance founded?
Kent Reliance was founded in 1872. It employs 1 to 10 people.
Where is Kent Reliance based?
Kent Reliance is headquartered in Chatham, United Kingdom, in the Europe region.
How does Kent Reliance make money?
One revenue line is on record: savings Account Interest Spread.
Who are Kent Reliance's main competitors?
Direct peers on record are Atom Bank, Aldermore Bank, Skipton Building Society, Yorkshire Building Society, Paragon Bank, Principality Building Society, Charter Savings Bank, Marcus by Goldman Sachs (UK) and Newcastle Building Society. Nationwide Building Society is listed as a broad incumbent.
Does Kent Reliance have an API?
No public API is recorded for Kent Reliance.