FSCS Licence Information

12th September 2017

The Financial Services Compensation Scheme (FSCS) automatically protects your cash if your bank or building society goes out of business.

The protection level for cash deposits is £85,000 per person, per banking licence – so it’s important to check if your savings provider is under the same licence as another.

Our handy guide will confirm whether the bank you are with, or thinking of placing some cash with, is part of the scheme and/or part of a group of providers under one licence.

Before 2007, the maximum Financial Services Compensation Scheme (FSCS) pay-out for depositors was just £31,700 per person, made up of 100% of the first £2,000 and then 90% of their next £33,000.

Since then, recognising that this was not enough to reassure savers, in October 2007 the limit was raised to £35,000 and a year later, raised again to £50,000. It was first increased to the current limit of £85,000 on 31st December 2010.

Then following a period from 1st January 2016 where it was lowered to £75,000, it increased again to its current level of 100% of the first £85,000 from 30th January 2017.

And if you have recently received a large lump sum of over £85,000, this may be protected for six months with one provider.

The Temporary High Balance cover was introduced in 2015 to provide protection for savers with larger balances that arise from certain lifetime events including inheritance, divorce, an insurance-payout or the sale of your home.

For six months from the date you receive the funds, up to £1m can be protected, over and above the normal £85,000, with each provider.

> Read more about the Temporary High Balance protection

If you have any questions or are concerned that your savings may still be under-protected, you can speak to one of our specialist savings advisers by calling 0808 164 6466.

Select your provider in the table below to be taken to their FSCS Licence information

AA Access Bank UK Limited
AgriBank Airdrie Savings Bank
Aldermore Allied Irish Bank (GB)
Al Rayan Bank Arbuthnot Latham
Atom Bank Aviva
Axis Bank UK Limited Bank and Clients
Bank of Baroda Bank of Cyprus UK
Bank of East Asia Bank of India UK
Bank of Ireland UK Bank of London & the Middle East (BLME)
Bank of Scotland Barclays
Barnsley Building Society (see Yorkshire BS) Bath Building Society
Beverley Building Society BFC Bank
BM Savings Britannia
Buckinghamshire Building Society
CAF Bank Cahoot
Cambridge Building Society Cambridge & Counties Bank
Canara Bank Cater Allen Private Bank
Charity Bank Charter Savings Bank
Chelsea Building Society Cheltenham & Gloucester
Cheshire Building Society C Hoare & Co
Chorley & District Building Society Citibank
City of Derry Building Society (see Progressive BS) Close Brothers Savings
Clydesdale Bank Co-operative Bank
Coutts & Co Coventry Building Society
Cumberland Building Society Danske Bank
Darlington Building Society Derbyshire Building Society
Dudley Building Society Duncan Lawrie Limited
Dunfermline Building Society Earl Shilton Building Society
Ecology Building Society Fidor Bank UK
First Direct First Trust Bank (NI)
FirstSave Ford Money
Furness Building Society G E Capital Direct
Guaranty Trust Bank (UK) Limited Habib Bank AG Zurich
Halifax Hampden & Co
Hampshire Trust Bank Hanley Economic Building Society
Harpenden Building Society Harrods Bank (see Tandem Bank Limited)
Hinckley & Rugby Building Society Holmesdale Building Society (see Skipton BS)
HSBC ICICI Bank UK
Ikano Bank ING Direct/Barclays Direct
Intelligent Finance Investec Bank
Ipswich Building Society Islamic Bank of Britain - see Al Rayan Bank
Julian Hodge Bank Ltd (trading as Hodge Bank) Jordan International Bank plc
Kent Reliance Banking Services (KRBS) Kingdom Bank Ltd
Leeds Building Society Leek United Building Society
Lloyds Bank Loughborough Building Society
Manchester Building Society Mansfield Building Society

Marcus

Market Harborough Building Society

Marsden Building Society

Marks & Spencer

Melton Mowbray

Masthaven Bank Limited

Gatehouse Bank (formerly Milestone Savings)

Metro Bank

Monmouthshire Building Society

MoneyCorp Bank Limited

Nationwide

National Counties Building Society

Newbury Building Society

NatWest

Northern Rock

Newcastle Building Society

Nottingham Building Society

Norwich & Peterborough Building Society (see Yorkshire BS)

Paragon Bank

OakNorth Bank

Penrith Building Society

PCF Bank Limited

Principality Building Society

Post Office

Punjab National Bank (International) Limited

Progressive Building Society

RCI Bank UK

Raphaels Bank

Reliance Bank Ltd

Redwood Bank Ltd

Royal Bank of Scotland

Rothschild Reserve

SAGA

Saffron Building Society

Santander

Sainsbury's Bank

Scottish Widows Bank

Scottish Building Society

Selftrade

Secure Trust Bank

Shawbrook Bank

Sensible Savings (see Access Bank UK Limited)

Skipton Building Society

Shepshed Building Society  (see Nottingham BS)

Starling Bank Limited

Smile

State Bank of India UK

Stafford Railway Building Society

St James's Place Wealth Management

St James's Place

Tandem Bank Limited

Swansea Building Society

Tesco Bank

Teachers Building Society

Tipton & Coseley Building Society

The Family Building Society

TSB Bank

Triodos Bank

Ulster Bank

Turkish Bank (UK)

Union Bank UK

Union Bank of India (UK) Ltd

United Trust Bank

United Bank UK

Vernon Building Society

Unity Trust Bank

Virgin Money

Vanquis Bank

Wesleyan Bank

Weatherbys Bank Ltd

Wyelands Bank

West Bromwich Building Society

Yorkshire Building Society

Yorkshire Bank

Zenith Bank (UK) Limited

 

 

AA

Accounts opened until 1st September 2015

The following providers are all covered by their parent Company; The Bank of Scotland Plc:

AA, Aviva, Bank of Scotland, BM Savings (Birmingham Midshires), Halifax, Intelligent Finance, SAGA, and St James's Place

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS. 

Accounts opened since 2nd September 2015

The following providers are all covered by their parent Company; The Bank of Ireland Group UK Plc:

Bank of Ireland UK, The Post Office and AA (accounts opened since 2nd September 2015)

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS.


The Access Bank UK Limited

Sensible Savings is a trading name of The Access Bank UK Limited, which is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


AgriBank plc

AgriBank plc is a European Bank based in Malta and is regulated by the Malta Financial Services Authority (MFSA). The Bank is providing banking services in the UK due to its passporting rights after notifying the UK's Prudential Regulation Authority and the Financial Conduct Authority.

This provider is therefore covered by the Malta Financial Services Authority Depositor Compensation Scheme.

As a result, a maximum of €100,000 per customer is protected by this scheme.


Airdrie Savings Bank 

Airdrie Savings Bank no longer offer cash savings. All funds have been removed from the provider,

Airdrie Savings Bank is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Aldermore Bank Plc

Aldermore Bank is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Allied Irish Bank (GB)

The following providers are all covered by their parent Company; AIB (UK) Plc

Allied Irish Bank (GB) and First Trust Bank (NI)

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS. 


Al Rayan Bank (formerly Islamic Bank of Britain)

Al Rayan Bank is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Arbuthnot Latham

Arbuthnot Latham is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Atom Bank

Atom Bank plc is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Aviva

The following providers are all covered by their parent Company; The Bank of Scotland Plc:

AA (accounts opened until 1st September 2015), Aviva, Bank of Scotland, BM Savings (Birmingham Midshires), Halifax, Intelligent Finance, SAGA, and St James's Place

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS. 


Axis Bank Limited

Axis Bank Limited is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Bank and Clients

Bank and Clients is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Bank of Baroda

Bank of Baroda is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Bank of Cyprus UK

Bank of Cyprus UK is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Bank of East Asia

The Bank of East Asia, Limited is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Bank of India UK

Bank of India UK is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Bank of Ireland Group UK Plc

The following providers are all covered by their parent Company; The Bank of Ireland Group UK Plc:

Bank of Ireland UK and The Post Office and AA (accounts opened since 2nd September 2015)

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS. 


Bank of London and the Middle East (BLME)

Bank of London and the Middle East is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Bank of Scotland Plc

The following providers are all covered by their parent Company; The Bank of Scotland Plc:

AA (accounts opened until 1st September 2015), Aviva, Bank of Scotland, BM Savings (Birmingham Midshires), Halifax, Intelligent Finance, SAGA, and St James's Place

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS. 


Barclays Bank Plc

The following providers are all covered by their parent Company; Barclays Bank Plc:

Barclays Bank and Barclays Direct (formerly ING Direct)

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS.


Barnsley Building Society (Now part of Yorkshire Building Society)

Barnsley Building Society is now part of Yorkshire Building Society. 

The following providers are all covered by their parent Company; Yorkshire Building Society:

Barnsley Building Society, Chelsea Building Society, Egg, Norwich & Peterborough Building Society, and Yorkshire Building Society

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS.


Bath Building Society

Bath Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Beverley Building Society

Beverley Building Society is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS.

 


BFC Bank

BFC Bank is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS.


BM Savings

The following providers are all covered by their parent Company; The Bank of Scotland Plc:

AA (accounts opened until 1st September 2015), Aviva, Bank of Scotland, BM Savings (Birmingham Midshires), Halifax, Intelligent Finance, SAGA, and St James's Place

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS.


Britannia

The following providers are all covered by their parent Company; The Co-operative Bank Plc:

Britannia, Smile, and The Co-operative Bank

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS. 


Buckinghamshire Building Society

Buckinghamshire Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


CAF Bank

CAF Bank (Charity Aid Foundation) is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.

Some accounts from CAF Bank are provided by other banks, in these instances, deposits will be come under the banking licence of that bank. If you are unsure whether this applies to you, please check the terms and conditions of the account.


Cahoot

The following providers are all covered by their parent Company; Santander UK Plc:

Cahoot and Santander UK Plc

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS. 


Canara Bank

Canara Bank is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Cambridge Building Society

Cambridge Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Cambridge & Counties Bank

Cambridge & Counties Bank is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Cater Allen Private Bank

Cater Allen Private Bank is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Charity Bank

Charity Bank is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Charter Savings Bank

Charter Savings Bank is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Chelsea Building Society

The following providers are all covered by their parent Company; Yorkshire Building Society:

Barnsley Building Society, Chelsea Building Society, Egg, Norwich & Peterborough Building Society, and Yorkshire Building Society

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS. 


Cheltenham & Gloucester

C&G ACCOUNTS ARE NOW WITH TSB BANK. 

As a result, if you hold more than £85,000 in total with this provider, not all of your money may be protected by the FSCS.


Cheshire Building Society

ALL ACCOUNTS HAVE NOW BEEN TRANSFERRED TO NATIONWIDE EQUIVALENTS.

Nationwide Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


C Hoare & Co

C Hoare & Co is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Chorley & District Building Society

Chorley & District Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Citibank International Plc

Citibank International is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


City of Derry Building Society (Now part of Progressive Building Society)

City of Derry Building Society is now part of Progressive Building Society.

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS.


Close Brothers Savings Ltd

Close Brothers Savings is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Clydesdale Bank Plc

The following providers are all covered by their parent Company; Clydesdale Bank Plc:

Clydesdale Bank and Yorkshire Bank

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS. 


The Co-operative Bank plc

The following providers are all covered by their parent Company; The Co-operative Bank plc:

Britannia, Smile, and The Co-operative Bank

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS. 


Coutts & Co

Coutts & Co is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Coventry Building Society

Coventry Building Society is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Cumberland Building Society

Cumberland Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Danske Bank

Danske Bank is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Darlington Building Society

Darlington Building Society is not part of a shared licence.  But if you hold more than £85,000 all of your money may not be protected by the FSCS.


Derbyshire Building Society

ALL ACCOUNTS HAVE NOW BEEN TRANSFERRED TO NATIONWIDE EQUIVALENTS.

Nationwide Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Dudley Building Society

Dudley Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Duncan Lawrie Limited

Duncan Lawrie Limited no longer offer cash savings. All funds have been removed from the provider,

Duncan Lawrie Limited is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Dunfermline Building Society

ALL ACCOUNTS HAVE NOW BEEN TRANSFERRED TO NATIONWIDE EQUIVALENTS.

Nationwide Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Earl Shilton Building Society

Earl Shilton Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Ecology Building Society

Ecology Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Fidor Bank UK

Fidor Bank UK is authorised and regulated in Germany and subject to limited regulation by the UK regulators the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). 

This provider is a member of the Compensation Scheme of German Banks (GmbH).

As a result, a maximum of €100,000 per customer is protected by this scheme.


FirstSave

FirstSave (FBN Bank UK Ltd) is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


First Direct

The following providers are all covered by their parent Company; HSBC Bank Plc;

HSBC Bank and First Direct

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS. 


First Trust Bank (NI)

The following providers are all covered by their parent Company; AIB (UK) Plc

Allied Irish Bank (GB) and First Trust Bank (NI)

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS.


Ford Money

Ford Money is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Furness Building Society

Furness Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


G E Capital Direct - savings accounts no longer exist.

GE Capital Direct has now left the UK Savings market.

The provider has confirmed that all GE Capital Direct savings accounts have been closed as of 1st December 2016 and the funds have be returned to the customer.


Guaranty Trust Bank (UK) Limited

Guaranty Trust Bank (UK) Limited is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Habib Bank AG Zurich

Habib Bank AG Zurich is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS. 


Halifax

The following providers are all covered by their parent Company; The Bank of Scotland Plc:

AA (accounts opened until 1st September 2015), Aviva, Bank of Scotland, BM Savings (Birmingham Midshires), Halifax, Intelligent Finance, SAGA, and St James's Place

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS. 


Hampshire Trust Bank

Hampshire Trust Bank is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Hampden & Co

Hampden & Co is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Hanley Economic Building Society

Hanley Economic Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Harpenden Building Society

Harpenden Building Society is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Harrods Bank Ltd - Now Tandem Bank Limited

All accounts have been rebranded to Tandem Bank Limited following its purchase of Harrods Bank. Please see Tandem Bank Limited below for more details.


Hinckley & Rugby Building Society

Hinckley & Rugby Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Holmesdale Building Society (Now part of Skipton Building Society)

Holmesdale Building Society is now part of Skipton Building Society.

The following providers are all covered by their parent Company; Skipton Building Society:

Skipton Building Society and all accounts previously held with Holmesdale Building Society

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS.


HSBC Bank Plc

The following providers are all covered by their parent Company; HSBC Bank Plc;

HSBC Bank and First Direct

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS. 


ICICI Bank UK Plc

ICICI Bank UK is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Ikano Bank

Ikano Bank is authorised and regulated in Sweden by the Swedish Financial Supervisory Authority (Finansinspektionen) and subject to limited regulation by the UK regulators, the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). 

This provider is therefore covered by the Swedish Deposit Insurance Scheme, managed by Riksgälden.

As a result, a maximum of £85,000 per customer is protected by this scheme.


ING Direct (Renamed Barclays Direct) 

ALL ACCOUNTS HAVE NOW BEEN TRANSFERRED TO BARCLAYS BANK:

As a result, if you hold more than £85,000 in total with this provider, not all of your money may be protected by the FSCS.


Intelligent Finance

The following providers are all covered by their parent Company Bank of Scotland Plc

AA (accounts opened until 1st September 2015), Aviva, Bank of Scotland, BM Savings (Birmingham Midshires), Halifax, Intelligent Finance, SAGA, and St James's Place

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS. 


Investec Bank Plc

Investec Bank Plc is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Ipswich Building Society

Ipswich Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Islamic Bank of Britain - Renamed Al Rayan Bank

Al Rayan Bank is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Julian Hodge Bank Ltd (trading as Hodge Bank)

Hodge Bank is a trading name of Julian Hodge Bank Limited and is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Jordan International Bank plc

Jordan International Bank plc is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Kent Reliance Banking Services (KRBS)

Kent Reliance Banking Services (OneSavings Bank Plc) is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Kingdom Bank Ltd

Kingdom Bank Ltd is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Laiki Bank UK

Accounts held with Laiki Bank UK have now been transferred to Bank of Cyprus UK

Bank of Cyprus UK is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Leeds Building Society

Leeds Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Leek United Building Society

Leek United Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Lloyds Bank

Lloyds Bank is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS.

PLEASE NOTE: MANY EXISTING LLOYDS TSB AND C&G ACCOUNTS WERE TRANSFERRED TO TSB BANK. PLEASE CONTACT THE PROVIDER IF YOU ARE UNSURE IF THIS APPLIES TO YOU


Loughborough Building Society

Loughborough Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Manchester Building Society

Manchester Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Mansfield Building Society

Mansfield Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Marcus

Marcus is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Market Harborough Building Society

Market Harborough Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Marks and Spencer

Marks and Spencer (M&S Financial Services Plc) is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Marsden Building Society

Marsden Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Masthaven Bank Limited

Masthaven Bank Limited is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Melton Mowbray Building Society

Melton Mowbray Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Metro Bank

Metro Bank is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Gatehouse Bank (formerly Milestone Savings)

Gatehouse Bank plc, which is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


MoneyCorp Bank Limited

MoneyCorp Bank Limited is authorised and regulated in Gibraltar by the Gibraltar Deposit Guarantee Scheme (GFSC), and subject to limited regulation by the UK regulators the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). 

This provider is therefore covered by the Gibraltar Financial Servies Commission, the Gibraltar Deposit Guarantee Scheme (GFSC).

As a result, a maximum of €100,000 per customer is protected by this scheme.


Monmouthshire Building Society

Monmouthsire Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


National Counties Building Society

The following providers are all covered by their parent Company; National Counties Building Society:

National Counties Building Society and The Family Building Society.

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS.


Nationwide Building Society

The following providers are all covered by their parent Company; Nationwide Building Society:

Cheshire Building Society, Derbyshire Building Society, Dunfermline Building Society, and Nationwide Building Society

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS. 


NatWest

NatWest (National Westminster Bank Plc) is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Newbury Building Society

Newbury Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Newcastle Building Society

Newcastle Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Northern Rock

The following providers are all covered by their parent Company; Virgin Money:

Northern Rock and Virgin Money

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS.


Norwich & Peterborough Building Society (Now part of Yorkshire Building Society)

Norwich & Peterborough Building Society is now part of Yorkshire Building Society. 

The following providers are all covered by their parent Company; Yorkshire Building Society:

Barnsley Building Society, Chelsea Building Society, Egg, Norwich & Peterborough Building Society, and Yorkshire Building Society

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS.


Nottingham Building Society

The following providers are all covered by their parent Company; Nottingham Building Society:

Nottingham Building Society and all accounts previously held with Shepshed Building Society

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS. 


OakNorth Bank

OakNorth Bank is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Paragon Bank

Paragon Bank is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


PCF Bank LImited

PCF Bank Limited is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Penrith Building Society

Penrith Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Post Office

The following providers are all covered by their parent Company; The Bank of Ireland Group UK Plc:

Bank of Ireland UK and The Post Office and AA (accounts opened since 2nd September 2015)

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS. 


Principality Building Society

Principality Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Progressive Building Society

The following providers are all covered by their parent Company; Progressive Building Society:

Progressive Building Society and all accounts previously held with City of Derry Building Society

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS.


Punjab National Bank (International) Limited

Punjab National Bank (International) Limited is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Raphaels Bank

Raphaels Bank is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS.


RCI Bank UK

RCI Bank is authorised and regulated in France by the Autorité de Contrôle Prudentiel et de Résolution (ACPR), and subject to limited regulation by the UK regulators the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). 

This provider is therefore covered by the French savings deposit scheme, the Fonds de Guarantie des Depots et de Resolution (FGDR).

As a result, a maximum of €100,000 per customer is protected by this scheme.


Redwood Bank Ltd

Redwood Bank Ltd is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Reliance Bank Ltd

Reliance Bank Ltd is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


 Rothschild Reserve

Rothschild Reserve is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Royal Bank of Scotland Plc

Royal Bank of Scotland is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Saffron Building Society

Saffron Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


SAGA

The following providers are all covered by their parent Company; The Bank of Scotland Plc:

AA (accounts opened until 1st September 2015), Aviva, Bank of Scotland, BM Savings (Birmingham Midshires), Halifax, Intelligent Finance, SAGA, and St James's Place

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS. 


Sainsbury's Bank

Sainsbury's Bank (Sainsbury's Bank Plc) is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Santander UK Plc

The following providers are all covered by their parent Company; Santander UK Plc:

Cahoot and Santander UK Plc

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS. 


Scottish Building Society

Scottish Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Scottish Widows Bank

Scottish Widows Bank is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Secure Trust Bank

Secure Trust Bank is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


 Selftrade

Selftrade is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS.


 Sensible Savings (see The Access Bank UK Limited)

Sensible Savings is a trading name of The Access Bank UK Limited, which is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Shawbrook Bank

Shawbrook Bank is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Shepshed Building Society (Now part of Nottingham Building Society)

Shepshed Building Society is now part of Nottingham Building Society. 

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS.


Skipton Building Society

Skipton Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Smile

The following providers are all covered by their parent Company; The Co-operative Bank Plc:

Britannia, Smile, and The Co-operative Bank

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS.


Starling Bank Limited

Starling Bank Limited is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Stafford Railway Building Society

Stafford Railway Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


State Bank of India UK

State Bank of India UK is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


St James's Place

The following providers are all covered by their parent Company; The Bank of Scotland Plc:

AA (accounts opened until 1st September 2015), Aviva, Bank of Scotland, BM Savings (Birmingham Midshires), Halifax, Intelligent Finance, SAGA and St James's Place

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS.


St James's Place Wealth Mangement Ltd

The following providers are all covered by their parent Company; The Metro Bank:

Metro Bank and St. James's Place Wealth Management.

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS.


Swansea Building Society

Swansea Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Tandem Bank Limited

Tandem Bank Limited is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS. This includes all accounts originally held with Harrods Bank.


Teachers Building Society

Teachers Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Tesco Bank

Tesco Bank (Tesco Personal Finance Ltd) is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


The Family Building Society

The following providers are all covered by their parent Company; National Counties Building Society:

National Counties Building Society and The Family Building Society.

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS.


Tipton & Coseley Building Society

Tipton & Coseley Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Triodos Bank

Triodos Bank is a European Bank based in the Netherlands.

This provider is therefore covered by the Dutch Central Bank's Deposit Guarantee Scheme (known as the deposit Guarantee Scheme).

As a result, a maximum of €100,000 per customer is protected by this scheme.


TSB Bank

PLEASE NOTE: MANY EXISTING LLOYDS TSB AND C&G ACCOUNTS WERE TRANSFERRED TO TSB BANK. PLEASE CONTACT THE PROVIDER IF YOU ARE UNSURE IF THIS APPLIES TO YOU

TSB Bank is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Turkish Bank (UK)

Turkish Bank (UK) is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Ulster Bank

Ulster Bank is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Union Bank of India (UK) Ltd

Union Bank of India (UK) Ltd is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Union Bank UK

Union Bank UK plc is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS.


United Bank UK

United Bank UK, also known as UBL UK, is a trading name of  United National Bank Limited and is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


United Trust Bank Ltd

United Trust Bank is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


 Unity Trust Bank

Unity Trust Bank is not part of a shared licence. But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Vernon Building Society

Vernon Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Vanquis Bank

Vanquis Bank (Vanquis Bank Ltd) is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Virgin Money

The following providers are all covered by their parent Company; Virgin Money:

Northern Rock and Virgin Money

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS.


Weatherbys Bank Ltd

Weatherbys Bank is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Wesleyan Bank

Wesleyan Bank is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


West Bromwich Building Society

West Bromwich Building Society is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Wyelands Bank

Wyelands Bank is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


Yorkshire Bank

The following providers are all covered by their parent Company; Clydesdale Bank Plc:

Clydesdale Bank and Yorkshire Bank

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS. 


Yorkshire Building Society

The following providers are all covered by their parent Company; Yorkshire Building Society:

Barnsley Building Society, Chelsea Building Society, Egg, Norwich & Peterborough and Yorkshire Building Society

As a result, if you hold more than £85,000 in total with these providers, not all of your money may be protected by the FSCS. 


Zenith Bank (UK) Limited

Zenith Bank (UK) Limited is not part of a shared licence.  But if you hold more than £85,000 not all of your money may be protected by the FSCS.


 

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