Is your money protected?
Verify if your bank, building society, or credit union is covered by the UK's official statutory guarantee. Free, automatic, and backed by law.
Verify your institution
Search the official register of authorised banks, building societies, and credit unions to confirm your savings are fully protected by law.
Search the Register
Check by Brand
Enter the registered name of your financial firm to check its authorization status and see if your deposits are covered.
Many banks operate under multiple trading names. Our tool resolves these connections so you know exactly where your limits apply.
How much is protected?
£85k
Per person, per authorised institution for standard savings accounts.
£170k
For joint accounts, doubling your statutory protection automatically.
£1M
Temporary high balances protected for up to six months.
Frequently asked questions
Is my credit union covered?
How do joint accounts work?
Yes. Credit unions are authorised by the Prudential Regulation Authority, meaning your savings are protected up to the standard eighty-five thousand pound limit.
Joint accounts are protected up to one hundred and seventy thousand pounds. The limit is applied per person, so each holder has their own eighty-five thousand pound limit.
What is an authorised firm?
What is a temporary balance?
An authorised firm is one licensed by the FCA and PRA. If a firm is not authorised, your money is not protected by the statutory scheme.
If you have a large sum from a house sale, inheritance, or insurance payout, it is protected up to one million pounds for six months from the date of deposit.