FSCS limit checker
Check whether your savings are fully protected up to £120,000 per banking licence — and catch the trap where two banks share one licence (like Halifax and Bank of Scotland). Updated for the December 2025 FSCS limit rise.
Frequently asked questions
What is the FSCS limit?
£120,000 per eligible person, per banking licence (from 1 December 2025). Joint accounts double the limit to £240,000.
Which banks share a licence?
Common examples: Halifax + Bank of Scotland; HSBC + first direct; Santander + Cahoot. Lloyds Bank has its own separate licence.
Is this an official check?
No — always confirm your bank's licence status at fscs.org.uk. This tool is a guide based on well-known shared licences.
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