Who Owns Who? – Banks and savings
The following list covers the main UK banks and some of the main overseas banks operating in the UK , as well as banking and savings brands. This shows you which brands operate under which firm's FSA authorisation, which defines how much your savings are protected by the Financial Services Compensation Scheme. Your cash deposits are protected up to £50,000 per institution, not per account, so it's a good idea to understand who is actually operating your account to make sure you are getting the maximum protection.
We've set out who else operates under the same FSA licence so you can easily see who is linked to whom for compensation.
And its not just about who owns which brands as some companies offering savings plans, like Norwich Union and Virgin for example, just have commercial relationships with banks to offer these services.
Note: Those banks marked with ‘EEA' are incorporated in Europe, Norway , Iceland , Lichtenstein or Gibraltar (The European Economic Area). They may not offer the full £35,000 of protection but some have opted to so. The list of those that have topped-up their protection is here : http://www.fscs.org.uk/consumer/how_to_claim/deposits/eea_firms_that_have_topped_up/
Name
Owned by
Who's Deposit taking (Banking) Licence ?
Linked for Compensation Scheme purposes.
AA Financial Services
Centrica
Bank of Scotland plc
Bank of Scotland Birmingham Midshires Solutions Halifax Intelligent Finance Norwich Union Saga
Abbey
Banco Santander Central Hispano
Abbey National plc
Cahoot Bradford & BingleyASDA
Alliance & Leicester
Alliance & Leicester plc
none
Allied Irish Bank (GB)
Allied Irish Bank plc
AIB Group (UK) plc
First Trust Bank
Anglo Irish Bank
Anglo Irish Bank Corporation plc
Anglo Irish Bank Corporation plc (EEA)
ASDA
Wallmart Corporation
Tunbridge Wells Equitable Friendly Society Limited (for children's account)
Bradford & BingleyAbbeyCahoot
Bank of Cyprus
Bank of Cyprus Public Company Limited
Bank of Cyprus Public Company Limited (EEA)
Bank of Ireland (NI)
Bank of Ireland Group
The Bank of Ireland (EEA)
Bank of Ireland GB Bristol & West Post Office Financial Services
Bank of Ireland GB
Bank of Ireland (NI) Bristol & West Post Office Financial Services
Bank of Scotland
Lloyds Banking Group
AA Financial Services Birmingham Midshires Solutions Halifax Intelligent Finance Norwich Union Saga
Barclays Bank
Barclays Bank plc
Birmingham Midshires Solutions
AA Financial Services Bank of Scotland Halifax Intelligent Finance Norwich Union Saga
Bradford & Bingley
ASDAAbbeyCahoot
Bristol & West International
Bank of Ireland (IOM) Ltd, part of Bank of Ireland Group
Bank of Ireland (NI) Bank of Ireland GB Post Office Financial Services
Butterfield Private Bank
The Bank of N.T.Butterfield & Son Limited
Butterfield Bank (UK) Ltd
C Hoare & Co
Cahoot
Capital One Savings
Capital One Financial Corporation
Capital One Bank ( Europe ) plc.
Cater Allen Private Bank
Cater Allen Ltd
Cheltenham & Gloucester
Lloyds TSB Bank plc
Lloyds TSB
Citibank
Citigroup Inc.
Citibank International plc
Close Brothers
Close Brothers Ltd
Clydesdale Bank
National Australia Bank Group
Clydesdale Bank plc
Yorkshire Bank
Co-operative Bank
Co-operative Group
Co-Operative bank plc
Smile
Coutts & Co
Royal Bank of Scotland Group plc
Direct Line
Royal Bank of Scotland plc
Royal Bank of Scotland Virgin Money
Egg
Egg Banking plc
Fairbairn Private Bank
Old Mutual plc
Fairburn Private Bank (IOM) Ltd (EEA)
FBN Bank
FBN Bank (UK) Limited
FirstSave
First Direct
HSBC Bank plc
HSBC
First Trust Bank (NI) Allied Irish Bank (GB)
First Trust Bank (NI)
First Trust Bank Allied Irish Bank (GB)
Halifax
AA Financial Services Bank of Scotland Birmingham Midshires Solutions Intelligent Finance Norwich Union Saga
ICICI
ICICI Bank Ltd
ICICI Bank UK Ltd
ING Direct
ING Direct NV, part of ING (International Netherlands Group)
ING Direct NV (EEA)
Intelligent Finance
Halifax plc, part of HBOS
AA Financial Services Bank of Scotland Birmingham Midshires Solutions Halifax Norwich Union Saga
Investec Bank (UK)
Investec Private Bank
Investec Bank (UK) Ltd
Isbank
Turkiye Is Bankasi as
Julian Hodge
Julian Hodge Bank
Julian Hodge Bank Ltd
Laiki Bank
The Cyprus Popular Bank Public Company Ltd
Marfin Popular Bank Public Company Ltd (EEA)
London Scottish Bank
London Scottish Bank plc
Marks & Spencer Money
Marks and Spencer Group plc
Marks & Spencer Financial Services plc
National Savings
An executive agency of the Chancellor of the Exchequer.
n/a
NatWest
National Westminster Bank plc
Northern Bank
Danske Bank Group
Northern Bank Limited
Northern Bank NI
Notrhern Bank
Northern Rock
Northern Rock plc
Norwich Union
Aviva plc
AA Financial Services Bank of Scotland Birmingham Midshires Solutions Halifax Intelligent Finance Norwich Union Saga
Post Office Financial Services
Royal Mail Group plc
Bank of Ireland (NI) Bank of Ireland GB Bristol & West
Royal Bank of Scotland
Direct Line Virgin Money
Ruffler Bank
Ruffler Holdings Limited
Ruffler Bank plc
S G Hambros Bank (Gibraltar)
Société Générale Group
Société Générale (EEA)
Saga
Saga Limited
AA Financial Services Bank of Scotland Birmingham Midshires Solutions Halifax Intelligent Finance Norwich Union
Sainsbury's Bank
Sainsbury's Bank plc (50% owned by Bank of Scotland, a subsidiary of Lloyds Banking Group, and 50% by J Sainsbury plc)
Scottish Widow's Bank
Scottish Widows Bank plc
Secure Trust Bank
Arbuthnot Banking Group plc
Secure Trust Bank plc
Co-Operative Bank
Standard Bank
Standard Bank Group
Standard Bank plc
Standard Life Bank
Standard Life Assurance Limited, part of Standard Life plc
Standard Life Bank Ltd
Tesco Personal Finance
A joint venture between the Royal Bank of Scotland plc and Tesco plc.
Tesco Personal Finance Limited
Triodos Bank
Triodos Bank NV
Tridiosbank NV (EEA)
Turkish Bank
Turkish Bank Limited
Turkish Bank (UK) Ltd
Ulster Bank Limited
United Trust Bank
United Trust Bank Limited
Virgin Money
Virgin Group
Direct Line Royal Bank of Scotland
Wesleyan Savings Bank
Wesleyan Savings Bank Ltd
Wesleyan Bank Limited
Whiteaway Laidlaw Bank
Manchester Building Society Group
Whiteaway Laidlaw Bank Limited
What are these?