Financial Services Compensation Scheme

Your eligible deposits held by a UK establishment of Bank of Scotland plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. This limit is applied to the total of any deposits you have with the following: Halifax, Intelligent Finance (IF), Birmingham Midshires (BM Savings), Bank of Scotland, Bank of Scotland Private Banking and Bank of Wales.

Any total deposits you hold above the limit between these brands are unlikely to be covered.

Please view How FSCS protects your money (PDF, 868KB) for further information or visit

Due to FSCS eligibility criteria not all business customers will be covered.

FSCS Information Sheet

FSCS Information Sheet

See information about the protection of your eligible deposits and an exclusions list for customers who will not be covered under the scheme.

Download PDF(50KB) FSCS Information sheet - opens in new window