Banking and savings brands - Financial Conduct Authority

Banking and savings brands

Published: 03/07/2015     Last Modified: 03/02/2016
Find out how your money is covered if you have multiple deposit accounts with one bank – or several accounts with different brands that come under the same authorisation.

The Financial Services Compensation Scheme (FSCS) can pay compensation if a bank, building society or credit union is unable to pay claims against it. From 1 January 2016 the deposit protection limit is £75,000 for eligible depositors.

Depositors with some types of temporary high balances have FSCS protection up to £1m for up to six months from the date the account is first credited with the money.

Not all banking and saving brands protected by the FSCS are included in the tables below. If yours is not included you can ask it how your money is protected or check the Register to find out whether it is authorised  by us.

You can also see how your money is covered with the biggest building society brands and steps you can take to protect your savings.

View the latest table of banking brands - December 2015.

Not all banking and saving brands protected by the FSCS are included in this table. If your banking and saving brand does not appear in this table you can ask it how your money is protected or check our Register to find out whether it has several brands under the same authorisation. Search our Register under ‘Financial services firms’, then click ‘Names’ for a list of brands used by the authorised institution.

You can also see how your money is covered with the biggest building society brands and steps you can take to protect your savings.

Note: Table last updated February 2016 (based on Bank of England December 2015 update).

Banking and saving brand FCA authorised institution FRN Other brands covered by FCA authorisation
The AA (1) Bank of Scotland plc 169628

Bank of Scotland

Birmingham Midshires

Capital Bank

Halifax

Intelligent Finance

Saga (1)

St James's Place Bank

Bank of Ireland

Bank of Ireland (UK) Bank of Ireland (UK) plc 512956

Post Office (2)

The AA (1)

Bank of Scotland Bank of Scotland plc 169628

The AA (1)

Birmingham Midshires

Capital Bank

Halifax

Intelligent Finance

Saga (1)

St James's Place Bank

Barclays Bank Barclays Bank plc 122702 Barclays Direct
Barclays Direct Barclays Bank plc 122702 Barclays Bank
Birmingham Midshires Bank of Scotland plc (part of Lloyds Banking Group plc) 169628

The AA (1)

Bank of Scotland

Capital Bank

Halifax

Intelligent Finance

Saga (1)

St James's Place Bank

Britannia The Co-operative Bank plc 121885

The Co-operative Bank

Smile

Cahoot Santander UK plc 106054 Santander
Capital Bank Bank of Scotland plc (part of Lloyds Banking Group plc) 169628

The AA (1)

Bank of Scotland

Birmingham Midshires

Halifax

Intelligent Finance

Saga (1)

St James's Place Bank

Cater Allen        Cater Allen Ltd (part of Santander UK plc) 178737  
Child & Co (3) Royal Bank of Scotland plc 121882

Direct Line (4)

Drummonds Bank (3)

Holt's (5)

Royal Bank of Scotland

Citibank Citibank, N.A. 124704  
Clydesdale Bank Clydesdale Bank plc (part of National Australia Group Ltd) 121873 Yorkshire Bank
The Co-operative Bank The Co-operative Bank plc 121885

Britannia

Smile

Coutts & Co Coutts & Co (part of Royal Bank of Scotland plc) 122287  
Direct Line (4) Royal Bank of Scotland plc 121882

Child & Co (3)

Drummonds Bank ( 3)

Holt's (5)

Royal Bank of Scotland

Drummonds Bank (3) Royal Bank of Scotland plc 121882

Child & Co (3)

Direct Line (4)

Holt's (5)

Royal Bank of Scotland

Egg (6) Yorkshire Building Society 106085

Barnsley Building Society

Chelsea Building Society

Norwich & Peterborough Building Society

Yorkshire Building Society

Yorkshire Shareplan

First Direct HSBC Bank plc 114216 HSBC
Halifax Bank of Scotland plc (part of Lloyds Banking Group plc) 169628

The AA (1)

Bank of Scotland

Birmingham Midshires

Capital Bank

Intelligent Finance

Saga (1)

St James's Place Bank

Holt’s (5) Royal Bank of Scotland plc 121882

Child & Co (3)

Direct Line (4)

Drummonds Bank (3)

Royal Bank of Scotland

HSBC HSBC Bank plc 114216 First Direct
Intelligent Finance Bank of Scotland plc (part of Lloyds Banking Group plc) 169628

The AA (1)

Bank of Scotland

Birmingham Midshires

Capital Bank

Halifax

Saga (1)

St James's Place Bank

Investec Bank Investec Bank plc 172330  
Lloyds Bank Lloyds Bank plc (part of Lloyds Banking Group plc) 119278 Cheltenham & Gloucester
Marks & Spencer Bank  Marks & Spencer Financial Services plc (part of HSBC) 151427  
NatWest National Westminster Bank plc (part of Royal Bank of Scotland plc) 121878  
Post Office (2)     Bank of Ireland (UK) plc 512956

Bank of Ireland (UK) plc

The AA (2)

Royal Bank of Scotland Royal Bank of Scotland plc 121882

Child & Co (3)

Direct Line (4)

Drummonds Bank (3)

Holt's (5)

Saga (1) Bank of Scotland plc (part of Lloyds Banking Group plc) 169628

The AA (1)

Bank of Scotland

Birmingham Midshires

Capital Bank

Halifax

Intelligent Finance

St James's Place Bank

Sainsbury's Bank                  Sainsbury's Bank plc 184514  
Santander Santander UK plc 106054 Cahoot
Scottish Widows Bank Scottish Widows Bank plc (part of Lloyds Banking Group plc) 201601  
Smile The Co-operative Bank plc 121885

Britannia

The Co-operative Bank

St James's Place Bank Bank of Scotland plc (part of Lloyds Banking Group plc) 169628

The AA (1)

Bank of Scotland

Birmingham Midshires

Capital Bank

Halifax

Intelligent Finance

Saga (1)

Standard Chartered Standard Chartered Bank 114276  
TSB Bank TSB Bank plc 191240  
Ulster Bank    Ulster Bank Ltd ) 122315  
Virgin Money     Virgin Money plc 503963  
Yorkshire Bank Clydesdale Bank plc (part of National Australia Group Ltd) 121873 Clydesdale Bank

Note:

  1. Savings products provided by Birmingham Midshires, part of Bank of Scotland plc.
  2. Savings products provided by Bank of Ireland (UK) plc.
  3. Private banking house provided by Royal Bank of Scotland plc.
  4. Savings products provided by Royal Bank of Scotland plc.
  5. Private military bank provided by Drummonds Bank, part of Royal Bank of Scotland plc
  6. Savings products now provided by Yorkshire Building Society, rather than Egg Banking plc which remains part of Citigroup – see our list of building society brands.

Not all banking and saving brands protected by the FSCS are included in this table. If your banking and saving brand does not appear in this table you can ask it how your money is protected or check our Register to find out whether it has several brands under the same authorisation. Search our Register under ‘Financial services firms’, then click ‘Names’ for a list of brands used by the authorised institution.

You can also see how your money is covered with the biggest building society brands and steps you can take to protect your savings.

Consumer Helpline

Telephone: 0800 111 6768

See more ways to contact us

External links

Financial Services Compensation Scheme (FSCS)

Protects customers of authorised financial firms that go bust



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