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UK Banks and Building Societies

The tables below show a comprehensive list of UK banks and building societies and their license holders, which can be different to bank ownership. Please note that this Bank Directory does not include foreign owned banks or financial institutions.

FSCS Compensation Scheme

fscs financial services compensation schemeAll UK banks and building societies are registered with the Financial Services Authority (FSA) and if the firm is regulated all deposits are protected by the Financial Services Compensation Scheme (FSCS). Following changes to European legislation, in January 2011 the FSCS deposit compensation threshold increased to €100,000 or around £85,000 providing further protection to UK depositors.

It’s worth noting that FSCS compensation applies per institution, so if you have more than £85,000 invested with any one bank or building society it is sensible to spread the investment between different providers. Rather confusingly, different banking institutions operate under a number of brands so it is important to identify whether all brands are separately registered with the FSA, or whether a single registration covers the whole group. For example a number of brands operate under the HBOS license including Birmingham Midshires and the AA – so if you have savings with each of these providers only £85,000 is covered.

Recent Bank Mergers and Acquisitions

In the last few years there have been many profound changes affecting the United Kingdom retail banking sector, including the merger of Lloyds TSB and HBOS PLC. In addition, several UK building societies have merged or been acquired by foreign banks during the period and most significantly Northern Rock has been nationalised following its near collapse in 2008 and subsequently acquired by Virgin Money in early January 2012.

Useful Information

FSA Financial Services Authority Financial Services Authority - A list of banks registered in the UK that should be part of the FSCS Compensation Scheme.
   
Bank of England Useful economic reports from the Bank of England can be found in the Financial Stability report along with its monthly evaluation of business conditions, compiled by the Bank of England's Agents, following discussions with around 700 businesses.

UK Banks

UK Bank Accounts:

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UK Bank
Bank License Holder
UK Bank
Alliance and Leicester
License Holder: Santander UK plc
Lloyds TSB
License Holder: Lloyds Banking Group plc
Barclays Bank
License Holder: Barclays Bank plc
Natwest
License Holder: Natwest
Cahoot
Average Customer Rating: starstarstarstarstar
License Holder: Santander UK plc
Royal Bank of Scotland
Average Customer Rating: starstarstarstarstar
License Holder: Royal Bank of Scotland plc
Coutts & Co
License Holder: Royal Bank of Scotland plc
Sainsbury's Bank
License Holder: Sainsbury's Bank plc
Egg
License Holder: Egg Banking PLC
Santander
License Holder: Santander UK plc
First Direct
License Holder: HSBC Bank plc
Smile
License Holder: Co-operative Group
Halifax
License Holder: HBOS (see note)
Tesco Personal Finance
License Holder: Tesco PLC
HSBC
Average Customer Rating: starstarstarstarstar
License Holder: HSBC Bank plc
Unity Trust Bank plc
Average Customer Rating: starstarstarstarstar
License Holder: Unity Trust Bank Ltd
Intelligent Finance
License Holder:HBOS (see note)
Virgin Money
License Holder: Virgin Group plc
Isle of Man Bank
License Holder: Royal Bank of Scotland plc
Yorkshire Bank
License Holder: National Australia Bank Group

Note: Following the Lloyds TSB and HBOS merger in January 2009, previous Lloyds TSB savers retain separate cover to previous HBOS savers.

UK Building Societies

UK Building Society License Holder
Barnsley Building Society Yorkshire Building Society
Bath Building Society Bath Building Society
Beverley Building Society Beverley Building Society
Birmingham Midshires HBOS
Bradford and Bingley Santander UK plc
Britannia Building Society Co-operative Group
Buckinghamshire Building Society Buckinghamshire Building Society
Chelsea Building Society Yorkshire Building Society
Cheltenham and Gloucester Lloyds Banking Group plc
Chesham Building Society Skipton Building Society
Cheshire Building Society Nationwide Building Society
Chorley & District Building Society Chorley & District Building Society
Coventry Building Society Coventry Building Society
Cumberland Building Society Cumberland Building Society
Darlington Building Society Darlington Building Society
Dudley Building Society Dudley Building Society
Dunfermline Building Society Nationwide Building Society
Earl Shilton Building Society Earl Shilton Building Society
Ecology Building Society Ecology Building Society
Furness Building Society Furness Building Society
Hanley Economic Building Society Hanley Economic Building Society
Harpenden Building Society Harpenden Building Society
Hinckley and Rugby Building Society Hinckley and Rugby Building Society
Holmesdale Building Society Holmesdale Building Society
Ipswich Building Society Ipswich Building Society
Kent Reliance Building Society Kent Reliance Building Society
Leeds Building Society Leeds Building Society
Leek United Building Society Leek United Building Society
Loughborough Building Society Loughborough Building Society
Manchester Building Society Manchester Building Society
Mansfield Building Society Mansfield Building Society
Market Harborough Building Society Market Harborough Building Society
Melton Mowbray Building Society Melton Mowbray Building Society
Monmouthshire Building Society Monmouthshire Building Society
National Counties Building Society National Counties Building Society
Nationwide Building Society Nationwide Building Society
Newbury Building Society Newbury Building Society
Newcastle Building Society Newcastle Building Society
Norwich and Peterborough Building Society Norwich and Peterborough Building Society
Nottingham Building Society Nottingham Building Society
Principality Building Society Principality Building Society
Progressive Building Society Progressive Building Society
Saffron Building Society Saffron Building Society
Scarborough Building Society Skipton Building Society
Scottish Building Society Scottish Building Society
Skipton Building Society Skipton Building Society
Stroud and Swindon Building Society Coventry Building Society
Teachers Building Society Teachers Building Society
Tipton & Coseley Building Society Tipton & Coseley Building Society
Vernon Building Society Vernon Building Society
West Bromwich Building Society West Bromwich Building Society
Yorkshire Building Society Yorkshire Building Society

Disclaimer

This Bank Directory page is provided in good faith and all information contained is accurate to the best of our knowledge at the time of preparation (March 2011). However UK banks and building societies merge and change bank licenses on a fairly regular basis, as well as being the subject of mergers and acquisitions. For this reason the Business Directory makes no warranty concerning the accuracy of information provided and usage of this list is entirely at your own risk.

 

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