<p>In this paper, we investigate whether the tensor product of two frames, each individually localised with respect to a spectral matrix algebra, is also localised with respect to a suitably chosen tensor product algebra. We provide a partial answer by constructing an involutive Banach algebra of rank-four tensors that is built from two solid spectral matrix algebras. We show that this algebra is inverse-closed, given that the original algebras satisfy a specific property related to operator-valued versions of these algebras. This condition is satisfied by all commonly used solid spectral matrix algebras. We then prove that the tensor product of two self-localised frames remains self-localised with respect to our newly constructed tensor algebra. Additionally, we discuss generalisations to localised frames of Hilbert-Schmidt operators, which may not necessarily consist of rank-one operators.</p>