Your savings are protected

The Financial Services Compensation Scheme (FSCS) is backed by government and protects your savings up to £85,000 in the unlikely event that anything should happen to your bank, building society or credit union.

You'll probably never need us. But it's nice to know we're here.

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FSCS protected accounts
About the FSCS

The FSCS offers free and automatic protection for your savings, up to £85,000

If anything happens to your bank, building society or credit union, the FSCS automatically refunds savings up to £85,000 within 7 days. You won't have to do anything.

98% of the UK population have less than £85,000 in savings and are covered by the £85,000 protection limit.

The FSCS was established over 10 years ago. We have helped more than 4½ million people and paid out more than £26 billion in compensation.

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Do conditions apply?

Your savings are FSCS protected if:

  • You have less than £85,000 of savings
  • Your savings are with banks, building societies or credit unions which are authorised by the Prudential Regulation Authority (PRA)

Your savings might not be FSCS protected if:

  • You have savings with banks, building societies or credit unions which are not authorised by the PRA
  • You have more than £85,000 in an account or more than £170,000 in a joint account
  • You have more than £85,000 (or £170,000 in joint accounts) split across banks, building societies and credit unions which share a banking authorisation

To find out if your banks, building societies and credit unions share a banking authorisation use the FSCS Protection Checker

Bank accounts: FSCS protected Your savings are FSCS protected
Are my savings with an
authorised institution?

The FSCS protects savings held with over 900 banks,
building societies and credit unions

The FSCS protects savings which are held with all banks, building societies and credit unions which are authorised by the PRA.

There are more than 900 banks, building societies and credit unions authorised by the PRA.

To be certain that your savings are protected use the FSCS Protection Checker

Your bank account is FSCS protected Savings account protection: FSCS Your savings are protected Your bank account is FSCS protected

FSCS does not recommend or endorse any particular deposit taker

Check your savings are protected

Check that your savings are protected in 2 easy steps with the FSCS Protection Checker.

1. How much money do you have in savings?

This is the total amount of money you have in savings and current accounts.

Based on data that is correct at 7th April 2014. Please see our terms and conditions.

The names of your selected banks and building societies will appear here

I can't find my bank or building society

Your results

Institution

Only the first £85,000 of your savings across the brands that share an authorisation are protected.

Good news - your savings
are protected.

The FSCS protects savings up to £85,000 with authorised firms and applies to individuals and small businesses. In the unlikely event that anything happens to your bank, building society or credit union, the FSCS automatically refunds savings within seven days. You won't have to do anything.

For information about the full scope of our protection, visit the FSCS website.

For information about UK authorised firms and bank and building society brands which may share an authorisation visit the Financial Conduct Authority website.

Check your shared authorisations to ensure you are protected

The FSCS protects savings up to £85,000 with authorised firms and applies to individuals and small businesses. In the unlikely event that anything happens to your bank, building society or credit union, the FSCS automatically refunds savings up to £85,000 within seven days. You won't have to do anything.

As a saver with a substantial amount of money, you should always check to see if your providers share a banking authorisation to avoid exceeding the £85,000 protection limit per banking authorisation.

To find out more check the Financial Services Register for information about authorised firms or contact your financial services providers, financial advisers or the FSCS.

For information about the full scope of our protection, visit the FSCS website.

For information about UK authorised firms and bank and building society brands which may share an authorisation visit the Financial Conduct Authority website.

Your results

Institution Savings At risk

Only the first £85,000 of your savings across the brands that share an authorisation are protected.

Some of your savings may be at risk

The FSCS protects savings up to £85,000 with authorised firms and applies to individuals and small businesses. The highlighted fields show savings that may be at risk where:

  • You are holding more than £85,000 with one firm
  • You are holding more than £85,000 with two or more brands that are part of the same banking group, share an authorisation and one £85,000 limit applies. So savings in excess of this may not be protected by the FSCS

The £85,000 limit applies to individuals. If your savings are in a joint account this limit increases to £170,000.

To find out more check the Financial Services Register for information about authorised firms or contact your financial services providers, financial advisers or the FSCS.

For information about the full scope of our protection visit the FSCS website.

For information about UK authorised firms and bank and building society brands which may share an authorisation visit the Financial Conduct Authority website.

Did you find what you needed?
Contact us and we can help

Got a question? Call the FSCS helpline on Freephone 0800 678 1100 or 020 7741 4100 for the fastest response. Lines are open Mon-Fri, 8:30-5:30, and our advisors will aim to answer your query immediately.

Or, use the enquiry form below: