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FSCS bank and savings protection checker

Check if your money in multiple bank, building society and credit union accounts is protected by FSCS. The protection limit is £120,000 per person per firm. This includes money in current, saving and fixed-term deposit accounts.

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Your Protection Results

Based on your protection check, here's how your deposits are protected by FSCS

Shared banking licence detected

Some of the banks you've selected share the same banking license and are part of the same banking group. This means they share protection limits across all the accounts within the banks in that group, not separate limits for each bank. 
Next steps: Consider moving the unprotected amount to a bank, building society or credit union that doesn't share a licence with the protected amount. See more about shared banking licences.
£0 Total amount
£0 Confirmed protected
£0 Unprotected/unclear

Protection Status by Firm

Multiple bank strategy

For amounts of more than £120,000, place across accounts with serparate FRNs. Example £300,000 to protect.
  • £120,000 in Barclays Bank plc (FRN 122072) - fully protected.
  • £120,000 in Nationwide Bulding Society (FRN 106078) - fully protected.
  • £60,000 in Lloyds Bank plc (FRN 119728) - fully protected.
Result - £300,000 protected across three separate institutions.
Key point: You can protect more than £120,000 as long as it's spread among deposit takers with different FRNs, and each holds no more than £120,000.

FSCS does not protect this firm

FSCS does NOT protect this firm because one or all of the following apply: 

  • The firm is not an FCA registered deposit taker. 
  • The firm is an electronic money institution or authorised payment institution. 
  • The firm is a payment service directory. These are databases or platforms that list, verify, or enable communication between payment service providers and banks, and financial systems. 
  • The firm is a savings marketplace, cash platform or a savings service. These firms (also known as a deposits aggregators) spread your money across multiple accounts with different banks. However, if an aggregator deposited your money with a regulated bank that then fails, it's likely that FSCS will protect it.
Disclaimer
This tool uses data from the Financial Conduct Authority (FCA) Financial Services Register. We display all firms linked to the same Firm Reference Number (FRN), including trading names and subsidiaries, to help you identify the firm more easily. The FCA Register shows one authorised firm per FRN, whereas our tool lists associated entities under that FRN. FSCS protection applies at firm level and may be shared across brands under the same authorisation. Always confirm details with the individual bank, building society or credit union and check the FCA Register for authoritative information. These results are provided for information only and we do not guarantee their accuracy.
Scammers can use the name of a legitimate firm and sometimes the FSCS logo to try to get you to part with your money. Always check the FCA’s website for any warnings about cloned firms. See also our Scams page. 
You may be entitled to additional protection if your account has a temporary high balance because of a qualifying life event, such as the proceeds of a house sale, a redundancy payment or benefits that were paid when you retired. FSCS can protect temporary high balances in your bank, building society or credit union account of up to £1.4m for six months.
If the charity is set up as a limited company, it would have protection up to £120,000. If it's an unincorporated association, it would be protected up to £120,000. If it's set up as a trust, protection is dependent on the type of trust. For more information see our Charities page and our Small businesses and limited compnaies page.

If you can't find your provider using the protection checker, FSCS might not protect your money. FSCS can’t protect e-money or payment services firms. We can only protect money held by UK branches of authorised banks and building societies and credit unions. 

 
The protection checker will find results for cash deposits, but not investments or savings products structured as long-term contracts of insurance, as offered by some mutual insurers. FSCS may be able to protect these products, but this would not be under our deposits protection. Read more here about the possible reasons you can’t find your bank, building society or credit union.

Next steps: Look for the FSCS Protected badge for peace of mind when searching for a deposit provider. 
  • Automatically compensated up to £120,000 per eligible person, per bank, building society or credit union. 
  • Money held in multiple accounts with multiple banks that are part of the same banking group (and share a banking license) are treated as one bank.  
  • Joint accounts are also eligible for FSCS protection up to the same limit of £120,000 per eligible person. 
  • You’ll get your money within seven working days of a bank, building society or a credit union failing. 
  • Coverage includes deposits, current accounts and savings accounts. 
  • Protection for savings marketplace, cash platforms, savings services, and deposits aggegators spreads your money across multiple accounts with different banks. 
  • If deposited with a regulated bank that then fails, it's likely that FSCS will protect it. 
  • The same compensation limits are applied if you've used an aggregator as for other bank accounts. 
FSCS Protected badge

FSCS Protected
The ‘FSCS Protected’ badge is displayed by UK-authorised banks, building societies, credit unions, Northern Ireland credit unions and certain overseas firms with branches in the UK. The badge is displayed in branches, online and in mobile apps. It indicates that eligible deposits are protected by FSCS under the deposit guarantee scheme up to £120,000 per person. Look out for the ‘FSCS Protected’ badge next time you are looking for a deposit product. 

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