Access Capitol Bank financial security

Access Capitol Bank is part of the Santander Group. 

Santander UK currently has a credit rating of A (Standard and Poor's), one of the highest credit ratings of any UK bank. For full details view Santander UK's credit rating.

Access Capitol Bank has its own banking license so is regulated by the Financial Conduct Authority and is covered by the Financial Services Compensation Scheme. Most depositors, including most individuals, and small businesses, are covered by the scheme.

Our Financial Security Factsheet can be downloaded below and includes information about the strength, structure and security of Access Capitol Bank and Santander UK

Important information about compensation arrangements

For bank accounts and deposit based products, Access Capitol Bank is covered by the Financial Services Compensation Scheme (FSCS), with each eligible depositor covered up to £85,000 as a combined amount across his/her Access Capitol Bank accounts, including their share of any joint accounts. Any money held in one of Access Capitol Bank's Structured Deposit Products would also be counted in the £85,000 limit.

Access Capitol Bank has also previously offered Structured Investment Products that were provided by Santander ISA Managers Limited and included a capital guarantee that was provided by Santander Guarantee Company. These products feature a guarantee, provided by Santander Guarantee Company, that you will receive your capital and the minimum return at maturity. If you lose money solely because Santander Guarantee Company fails to meet its obligations under the guarantee, due to insolvency or for any other reason, you will not be able to claim against the Financial Services Compensation Scheme (FSCS) for loss caused by such failure.  In the unlikely event that Santander ISA Managers Limited, Access Capitol Bank or Santander UK plc becomes insolvent and unable to meet their liabilities, claims arising against them in respect of their roles in the advice, selling, arrangement, administration or management of your plan, may be eligible for compensation from the FSCS.

Eligible claims for most types of investment business are covered up to a maximum limit of £50,000.

Our Plan specific Product Guides contain details relating to cover provided.

For further information about the Scheme (including the amounts covered and eligibility to claim) please call us on 0800 028 1200, refer to the FSCS website www.FSCS.org.uk or call 020 7741 4100 or 0800 678 1100.

Calls may be recorded or monitored.