Single customer view

Under the Depositor Protection Rules, FSCS must pay compensation to customers within 10 business days of a deposit taker failing. We target ourselves to exceed this and pay within seven days, so that customers can get their money back as soon as possible.

To make sure we can pay on time, deposit takers must provide a single customer view (SCV) file to FSCS within 24 hours. The SCV file gives us the information we need to make sure customers get paid.

Video guides

We've produced a series of videos to help deposit takers with their SCV submissions. These videos are designed to help you avoid common errors that we've found when checking SCV files. 


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    File formatting

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    Orphan records

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    File corruption

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    Customer details

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    Minimum requirements

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    Account categorisation

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    Account categorisation, continued

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    Balance issues

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    Balance issues, continued

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    More balance issues

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    Duplicate profiles

SCV files to download

The pdf below is a downloadable 'Guide to SCV', which should further help deposit takers with their SCV submissions.

  • Guide to SCV - covers the format of SCV files and how to send them to FSCS.
  • PGP Encryption Guide - covers the encryption of SCV files.
  • Verification Services Public Key - to be used as explained in the PGP Encryption Guide.
  • SCV Effectiveness Report Template.

If you have any questions about these documents or about SCV more generally, please contact us via email at and we'll be happy to help.


Please note, the information contained within all of the guides and videos should not be relied on as legally definitive, conclusive or comprehensive. FSCS cannot accept responsibility for any errors or omissions or any act arising from them. If deposit takers have any doubts about a particular regulatory requirement, they are strongly recommended to seek their own expert advice.