Banks in England

Lloyds Banking Group is a commercial bank in United Kingdom. Our directory records its head office in England. It operates as a commercial bank, taking deposits and lending to consumers and businesses. It is supervised by FCA / PRA. Deposits are protected up to 85,000 GBP per person, per authorised firm through the FSCS. Opening an account normally requires proof of local residency and a domestic tax identification number.

NatWest Group is a commercial bank in United Kingdom. Our directory records its head office in England. It is supervised by FCA / PRA. Deposits are protected up to 85,000 GBP per person, per authorised firm through the FSCS. Opening an account normally requires proof of local residency and a domestic tax identification number. It operates as a commercial bank, taking deposits and lending to consumers and businesses.

A UK-based banking group headquartered in London, and unusual among British banks in having almost no domestic retail presence. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. Its business is concentrated in Asia, Africa and the Middle East, serving corporate, institutional and wealth clients rather than UK consumers, so UK deposit protection is largely irrelevant to its operations.

One of the largest UK retail banks, headquartered in London and part of Lloyds Banking Group. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority, with eligible deposits covered by the Financial Services Compensation Scheme. Lloyds Bank operates the group's largest branch network and is particularly strong in current accounts and mortgages.

A ring-fenced UK bank headquartered in Milton Keynes, and a subsidiary of the Spanish Banco Santander group. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority, with eligible deposits protected by the Financial Services Compensation Scheme. Santander UK offers current accounts, savings, mortgages and business banking through branches and digital channels.

A UK digital bank headquartered in London, holding a full UK banking licence since 2017. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority, and eligible deposits are protected by the Financial Services Compensation Scheme. Monzo offers a current account, savings pots, overdrafts, loans and business accounts, all managed through a mobile app with no branches.

A UK digital bank headquartered in London, holding a full UK banking licence since 2016. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority, with eligible deposits protected by the Financial Services Compensation Scheme. Starling offers personal, joint and business current accounts, lending and a banking-as-a-service platform for other firms.

A UK financial technology company headquartered in London, which obtained a UK banking licence in 2024 subject to restrictions while it builds out its mobilisation plan. Until those restrictions are lifted, some customer balances are held with partner banks rather than protected as deposits. Revolut offers multi-currency accounts, cards, transfers, budgeting and investing across a large international customer base.

A UK financial technology company headquartered in London, listed on the London Stock Exchange. Wise is not a UK bank; it holds a Belgian banking licence for its European deposit-taking entity. It specialises in international transfers and multi-currency accounts, using local payment routes rather than correspondent banking, and holds customer funds in safeguarding arrangements rather than under a deposit guarantee scheme.

The UK digital banking operation of JPMorgan Chase, launched in 2021 and headquartered in London. It operates under a UK banking licence and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority, with eligible deposits protected by the Financial Services Compensation Scheme. Chase UK offers a current account, savings and cashback rewards without branches.