FSCS protected badge
FSCS provides protection to customers of financial firms that have failed. As part of a programme to build and maintain customer awareness, FSCS works closely with the finance industry.
Together, FSCS, the Building Societies Association and UK Finance have agreed how the FSCS badge can be used across a range of channels, including digital, advertising and disclosure.
The agreement builds on the disclosure requirements set by the Prudential Regulation Authority that require all authorised banks, building societies and credit unions to inform new and existing customers that FSCS protects their deposits.
Deposit takers must prominently feature FSCS disclosure materials (stickers, posters and leaflets) in-branch. They can feature the FSCS protected badge on websites, mobile apps, FSCS customer information sheets and in advertising campaigns.
The PRA has also confirmed firms can use the badge in their annual disclosure statements. This link will let you download full instructions on how and where to use the badge and disclosure materials. (zipped file 1.1MB)
FSCS produces the designs that firms must use when complying with the regulatory requirements. There’s a full suite of materials, which includes instructions and all the printer-ready artwork, on the links to the right. These have been amended to reflect the new PRA rules on depositor protection that will become effective at the end of the Brexit transition period at 11pm GMT on 31 December 2020.
We recommend the use of professional designers and printers to accurately reproduce the materials. Your designer will insert the name of your firm, along with the names of any brands you share a licence with (if applicable), into the stickers and posters. There are clear instructions with each file. By downloading and using these materials you’re agreeing to FSCS terms and conditions
New DGS members
At the end of the Brexit transition period at 11pm GMT on 31 December 2020, the scope of FSCS protection will be extended to include eligible deposits held with UK branches of EEA deposit-takers.
Due to the importance of depositor protection, the PRA requires new DGS members (firms that are granted/deemed to have Part 4A permission to accept deposits at an establishment in the UK (via the TPR or SRO)) to comply with the Depositor Protection Part of the PRA Rulebook immediately from the end of the transition period at 11pm GMT on 31 December 2020. These firms will become subject to the customer disclosure requirements immediately, including the requirement to display posters and stickers which refer to FSCS protection. The PRA expects new DGS members to remove previous posters and stickers (that referred to coverage by home EEA deposit guarantee schemes) and meet the requirements in respect of the updated materials reflecting FSCS coverage on the day following the end of the transition period.
The amendments to the Depositor Protection Part (including the wording) for new posters/stickers can be found in Annex R of Appendix 4 (the most recently published PRA rule instrument). The future version of the PRA's guidance in SS18/15 ‘Depositor and dormant account protection’ that will be effective as of 31 December 2020 is also available here. After the end of the transition period, the consolidated and fully amended Depositor Protection Part of the PRA Rulebook will be available here.
UK branches of Gibraltar deposit-takers
UK branches of Gibraltar deposit-takers are required to display posters with set wording referring to protection by the Gibraltar Deposit Guarantee Scheme. FSCS does not provide materials for this scenario. The required wording can be found in the Depositor Protection Rules.
Materials for use in branch
The materials use Open Sans as a font, so they can be edited without the need to purchase any new fonts. We recommend that all changes are carried out by a designer.
|A4 poster for branch window or door||
Single brand poster artwork (zipped folder 19MB)
Single brand credit union poster artwork (zipped folder 4MB)
Multiple brands poster artwork (zipped folder 19MB)
|A3 poster for inside the branch||
Single brand internal poster artwork (zipped folder 35MB)
Single brand credit union internal poster artwork (zipped folder 5MB)
Multiple brand internal poster artwork (zipped folder 35MB)
|Sticker for cashier window or desk display||
Sticker artwork for single or multiple brands (zipped folder 19MB)
Credit union sticker artwork (zipped folder 1MB)
|Leaflet for printing||
DL leaflet for printing (zipped folder 21MB)
A5 leaflet for printing (zipped folder 22MB)
We are happy to provide advice on using our materials and you can email us at firstname.lastname@example.org with any questions you have about the designs. However, FSCS can't provide sign-off for compliance purposes. You will need to speak with the PRA or the Financial Conduct Authority (FCA) directly if you have any questions about compliance.
For example, we can't advise on:
- approval of final designs of the posters and stickers after they have been updated;
- approval of final website or app designs; or
- approval of where information should be placed on websites or apps.
PRA and FCA contact details
Please contact the PRA for all queries related to deposits (banks, building societies and credit unions) and insurance providers:
- PRA firm enquiries: PRA.FirmEnquiries@bankofengland.co.uk or +44 (0)20 3461 7000.
- Compliance-related enquiries: FSCSLiaison-Depos@bankofengland.co.uk.
- General public enquiries: email@example.com or +44 (0)20 7601 4878.
Please contact the FCA for all queries related to investments, pensions, insurance mediation and home finance:
- FCA firm enquiries: firstname.lastname@example.org or 0300 500 0597 (or +44 20 7066 1000 from overseas).
- Non-regulated firm enquiries: use the relevant online form on the FCA’s ‘Contact us’ page.
- General public enquiries: email@example.com, 0800 111 6768 or 0300 500 8082 (or +44 20 7066 1000 from overseas).