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.

Overview

Overview
File formatting
Orphan records
File corruption
Customer details
Minimum requirements
Account categorisation
Account categorisation, continued
Balance issues
Balance issues, continued
More balance issues
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 stakeholders@fscs.org.uk and we'll be happy to help.

FSCS Guide to SCV document

FSCS PGP Encryption User Guide

FSCS Verification Services Public Key

SCV Effectiveness Report, Marking Effectiveness Report and CoA Report

SCV templates and examples

SCV format 1

Format 1 comprises four separate files for depositor details, contact details, account details and aggregate balance details, referred to as "A", "B", "C" and "D" respectively.

Example in Excel ZIP, 123KB

Example in CSV ZIP, 123 KB

SCV format 2

Format 2 comprises two separate files: one for depositor details, contact details, and aggregate balance details, and one for account details, referred to "ABD", and "C" respectively.

Example in Excel ZIP, 123KB

Example in CSV ZIP, 123 KB

SCV format 3

Format 3 comprises a single file for depositor details, contact details, account details and aggregate balance details combined, referred to as "ABCD".

Example in Excel XLSX, 15KB

Example in CSV CSV, 3 KB

Template in Excel XLSX, 37 KB

Schema definition for XML XSD, 6 KB

Account Status Code templates and examples

For bulk submission of Account Status Codes to FSCS.

Example in Excel XLSX, 12KB

Template in Excel XLSX, 12 KB

Product Name templates and examples

For bulk submission of Product Names to FSCS.

Example in Excel XLSX, 20 KB

Template in Excel XLSX, 20 KB

Disclaimer

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.