UK banks and building societies, and who protects your money
The major UK banks, building societies and app-based banks, each with the regulator's register entry and the deposit-protection position that applies to it. This is a coverage list, not a ranking and not an endorsement.
FSCS protection applies at firm level, up to £120,000 per eligible person per firm, and brands that share a banking licence share one limit. Always confirm a firm's authorisation and protection on the FCA register and the FSCS checker before relying on it.
Banks
| Institution | Deposit protection | Regulator |
|---|
| Barclays Bank UK | FSCS, £120,000 per eligible person | FCA register |
|---|
| Bank of Scotland | FSCS, £120,000 per eligible person | FCA register |
|---|
| The Co-operative Bank | FSCS, £120,000 per eligible person | FCA register |
|---|
| Halifax | FSCS, £120,000 per eligible person | FCA register |
|---|
| HSBC UK | FSCS, £120,000 per eligible person | FCA register |
|---|
| Lloyds Bank | FSCS, £120,000 per eligible person | FCA register |
|---|
| Metro Bank | FSCS, £120,000 per eligible person | FCA register |
|---|
| NatWest | FSCS, £120,000 per eligible person | FCA register |
|---|
| Royal Bank of Scotland | FSCS, £120,000 per eligible person | FCA register |
|---|
| Santander UK | FSCS, £120,000 per eligible person | FCA register |
|---|
| TSB Bank | FSCS, £120,000 per eligible person | FCA register |
|---|
| Virgin Money UK | FSCS, £120,000 per eligible person | FCA register |
|---|
Building societies
| Institution | Deposit protection | Regulator |
|---|
| Coventry Building Society | FSCS, £120,000 per eligible person | FCA register |
|---|
| Leeds Building Society | FSCS, £120,000 per eligible person | FCA register |
|---|
| Nationwide Building Society | FSCS, £120,000 per eligible person | FCA register |
|---|
| Skipton Building Society | FSCS, £120,000 per eligible person | FCA register |
|---|
| Yorkshire Building Society | FSCS, £120,000 per eligible person | FCA register |
|---|
App-based banks
| Institution | Deposit protection | Regulator |
|---|
| Atom Bank | FSCS, £120,000 per eligible person | FCA register |
|---|
| Chase UK | FSCS, £120,000 per eligible person | FCA register |
|---|
| Monzo Bank | FSCS, £120,000 per eligible person | FCA register |
|---|
| Starling Bank | FSCS, £120,000 per eligible person | FCA register |
|---|
| Zopa Bank | FSCS, £120,000 per eligible person | FCA register |
|---|
Source. Firm names and authorisation are public facts recorded on the Financial Conduct Authority's Financial Services Register. The deposit-protection limit is the Financial Services Compensation Scheme limit in force from 1 December 2025.