What is the FSCS protection limit?

The Financial Services Compensation Scheme (FSCS) protects up to £85,000 per person, per institution. Joint accounts are protected up to £170,000.

What counts as the same institution?

Some banks share a banking licence, meaning the FSCS limit applies across all their brands. Our calculator helps you identify shared coverage groups.

How can I avoid breaching the FSCS limit?

To stay protected, spread your savings across institutions that do not share a banking licence. Use this tool to check if your savings are within the safe threshold.

OPTIMLY Calculators | FSCS Protection Calculator

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Accounts and balances

FSCS Status

Savings summary