Your savings
Add each cash account: the bank or app, and how much is in it. Leave out stocks and shares, which have separate protection.
Nothing you enter leaves this page. Bank licence details last checked 4 October 2026.
How FSCS protection works
If a UK bank, building society or credit union fails, the Financial Services Compensation Scheme (FSCS) pays back up to £120,000 per person. The limit is per banking licence, not per brand or per account, and interest you've earned counts towards it.
Many brands are part of the same bank. Halifax is a trading name of Bank of Scotland plc, for example, so money at Halifax and at Bank of Scotland counts towards one £120,000 limit.
- Joint accounts
- Each holder has their own limit, so a joint account is covered up to £240,000 when neither of you holds anything else at that bank.
- Savings apps and platforms
- Apps such as Moneybox, Plum and Tembo hold your cash at partner banks. Protection applies at each partner bank, together with anything you hold there directly.
- NS&I
- Backed by HM Treasury rather than the FSCS, with no limit.
- Large one-off payments
- After certain life events, such as selling your home, the FSCS protects up to £1,400,000 for up to 6 months.
Stocks and shares have separate FSCS investment protection if a firm fails. It doesn't cover falls in value. For the full rules, see the FSCS website.
Brands that share one FSCS limit
Each row is one banking licence. Money at any of the brands on a row counts towards the same limit.
| Banking licence | Brands |
|---|---|
| Bank of Scotland plc | Halifax, Bank of Scotland, Birmingham Midshires, Intelligent Finance |
| Lloyds Bank plc | Lloyds Bank, Mayfair Private Banking, MBNA, Scottish Widows Bank |
| HSBC UK Bank plc | HSBC UK, first direct, M&S Bank |
| National Westminster Bank Plc | NatWest, Ulster Bank, First Active, Mettle, Sainsbury's Bank, Saga |
| The Royal Bank of Scotland plc | Royal Bank of Scotland, RBS, Child & Co, Holts, Drummonds |
| Barclays Bank UK PLC | Barclays, Tesco Bank |
| Santander UK plc | Santander, cahoot |
| Nationwide Building Society | Nationwide, Virgin Money, Clydesdale Bank, Yorkshire Bank |
| The Co-operative Bank p.l.c. | The Co-operative Bank, smile |
| Yorkshire Building Society | Yorkshire Building Society, YBS, Chelsea Building Society, Norwich & Peterborough Building Society |
| OneSavings Bank plc | Kent Reliance, krbs |
| ClearBank Limited | LemFi, Wealthify, Chip |
| Bank of Ireland (UK) plc | Bank of Ireland UK, Post Office |
| United Trust Bank Limited | United Trust Bank, UTB |
Licence changes on the way
- TSB Bank plc moves onto Santander UK plc's licence from 1 January 2027 (date not confirmed). From then, money at both shares one limit.
- The Co-operative Bank p.l.c. moves onto Coventry Building Society's licence from 1 January 2027 (date not confirmed). From then, money at both shares one limit.
Questions
How much does the FSCS protect?
Up to £120,000 per person, per banking licence, if a UK bank, building society or credit union fails. In a joint account, each holder has their own £120,000 limit.
Is FSCS protection per bank or per brand?
Per banking licence. Brands on the same licence share one limit: Halifax and Bank of Scotland are both Bank of Scotland plc, for example, and first direct and M&S Bank are both HSBC UK Bank plc.
Does interest count towards the limit?
Yes. The limit covers your balance plus any interest you have earned up to the day the bank fails.
Are savings apps like Moneybox, Plum and Tembo protected?
They aren't banks: they hold your cash at partner banks. If a partner bank fails, the FSCS protects your money there up to £120,000, counted together with anything you hold at that bank directly. Your app should show which banks hold your money.
Is NS&I covered by the FSCS?
It doesn't need to be. NS&I is backed by HM Treasury, so all the money you hold there is secure, with no limit.
What if I hold a large amount for a short time?
After certain life events, such as selling your home, an inheritance or an insurance payout, the FSCS protects up to £1,400,000 for up to 6 months. The FSCS website lists which events qualify.
Does this checker save what I enter?
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