This website gives you a completely free, legally compliant Subject Access Request (SAR) template. You can use it to discover how your bank might have changed your interest rate over time, and what notifications they say they provided (if any). This website does not collect your personal data or use cookies. You simply download and fill in the SAR and send it yourself.
Banks can and do change the interest rates on customer accounts over time. That can happen when an introductory term ends, when an account is renamed or reclassified, or when the bank quietly moves you onto a different rate.
What is much harder for most customers to see is exactly when those changes happened, what the previous and new rates were, and what the bank says it told you at the time. A Subject Access Request (SAR) uses your data-protection rights to compel the bank to provide the historical record: the interest rates applied, the dates they changed, and the notifications the bank says it sent you, along with other relevant information it holds about how your interest has been set.
This website simply gives you a clear, legally framed template to make that request.
You can either copy and paste the text below into a Word document, email, or text editor — or download it as a plain text file.
Replace the placeholder fields (for example [YOUR NAME], [NAME OF BANK]) with your own details, then send it to your bank.
You can read the full text below before downloading. Nothing is hidden.
You can send your Subject Access Request by email, by post, or by handing it in at a branch. Every bank is legally required to pass your request to the correct team, even if you did not send it to the “official” address.
Most banks publish a Data Protection Officer (DPO) or “Right of Access” email address on their website — usually in the privacy or data protection section. If you cannot find it, sending your SAR to any official customer-service email or postal address is still valid.
It is a good idea to keep a copy of whatever you send, along with the date you sent it.
No. Making a Subject Access Request (SAR) is your legal right. Banks must reply, and they cannot penalise you for doing so.
The law gives banks one month to respond. They can extend the deadline by up to two further months only if the request is genuinely “complex”, and they must tell you if they are doing that. They may also ask for ID before processing the request.
Yes. A single SAR can cover all accounts you hold with the same bank. If you prefer, you may send separate SARs for each account. Both approaches are lawful.
If you want help, you would show Citizens Advice (or anybody else you choose to ask) the SAR you sent and the reply you receive from your bank. This website holds no information about you and has no interaction of any kind.
No. This site does not use cookies, does not store personal data, and does not run analytics.
If you wish to download a second or subsequent SAR — for yourself or for someone else who will make their own request — simply return to the website and download the template again. Anyone can legally request their own data, but only they can submit the SAR. Nothing on this website records who downloads anything, and the site will not recognise or remember you on any visit.
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This website does not collect, store, or share personal data. It uses no cookies, no analytics, and no third-party scripts. For additional privacy, we have asked search engines not to index this site. All downloads occur directly on your device. This website does not provide legal advice; it simply offers a free SAR template you can use yourself.