Safe Savings FSCS Checker
The FSCS protects up to £85,000 per person per UK-authorised bank or building society (£170,000 for joint accounts). Our checker shows how to structure savings to maximise protection.
Safe Savings (FSCS) Checker
Check if your savings are fully protected by the FSCS. The scheme covers up to £85,000 per person per authorised institution.
Enter your savings balance and the institution where you hold them. FSCS (Financial Services Compensation Scheme) protection covers deposits up to £85,000 per person per authorised institution. If you hold savings with multiple banks within the same banking group — for example, First Direct and HSBC — these count as a single institution for FSCS purposes and the £85,000 limit applies to the combined total. Temporary high balance protection extends to £1,000,000 for six months following certain life events such as property sale proceeds or inheritance. For amounts above the FSCS limit, spreading across multiple separately authorised institutions is the standard approach to maintaining full protection coverage.