Important information about compensation arrangements

We are covered by the Financial Services Compensation provided by the FSCS.  The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations.  Most depositors - including most individuals and small businesses - are covered by the scheme.

In respect of deposits, an eligible depositor is entitled to claim up to €85,000. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be €85,000 each (making a total of €170,000).   The €85,000 limit relates to the combined amount in all the eligible depositor’s accounts with the bank, including their share of any joint account, and not to each separate account.

For further information about the compensation provided by the FSCS (including the amounts covered and eligibility to claim) please refer to the FSCS website ( or call 020 7741 4100 or 0800 678 1100. Please note only compensation-related queries should be directed to the FSCS.

Deposits with us are held with CAPSavings plc.  Please note that accounts with CAPSavings include accounts in its trading name, CAPSavings.  The €85,000 limit relates to the combined amount in all the eligible depositor's accounts with CAPSavings.

Protecting your money - A guide to how the FSCS protects your money

The Financial Services Compensation Scheme has produced this leaflet which provides more information on how the FSCS protects your money.

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