{"id":351440,"date":"2020-11-20T09:47:31","date_gmt":"2020-11-20T09:47:31","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=351440"},"modified":"2026-05-11T05:12:44","modified_gmt":"2026-05-11T04:12:44","slug":"the-safest-bank-in-the-uk","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/savings-accounts\/the-safest-bank-in-the-uk","title":{"rendered":"The safest bank in the UK"},"content":{"rendered":"<p>Like many things, safety is a relative concept. Something that the 2008 financial crisis underlined is that even the biggest banks and financial institutions can find themselves in big trouble. A classic example is the 2008 government bail-out of the Royal Bank of Scotland (RBS).<\/p><div class=\"keyTakeaways\">\n  <div class=\"keyTakeaways__header\">\n          <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"21\" viewbox=\"0 0 314.16 201.03\" fill=\"none\">\n  <path d=\"M212.32,190.62c-19.66,0-38.8-6.44-54.42-18.24-15.63,11.79-34.77,18.24-54.42,18.24-49.84,0-90.39-40.55-90.39-90.39V9.83h199.24c49.84,0,90.39,40.55,90.39,90.39s-40.55,90.39-90.39,90.39Z\" fill=\"white\"><\/path>\n  <path d=\"M212.32,15.9c46.57,0,84.33,37.75,84.33,84.33h0c0,46.57-37.75,84.33-84.33,84.33h0c-20.75,0-39.74-7.51-54.42-19.94-14.69,12.43-33.68,19.94-54.42,19.94h0c-46.57,0-84.33-37.75-84.33-84.33V15.9h193.18M212.32,3.76H7.01v96.46c0,53.19,43.27,96.46,96.46,96.46,19.47,0,38.46-5.92,54.43-16.84,15.96,10.91,34.95,16.84,54.42,16.84,53.19,0,96.46-43.27,96.46-96.46S265.51,3.76,212.32,3.76h0Z\" fill=\"#232320\"><\/path>\n  <path d=\"M216.34,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n  <path d=\"M105.92,90.21c.19-1.69,1.76-2.87,3.43-2.6,11.91,1.94,22.41-7.31,20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26,15.6-9.82,31.64-1.91,40.78,13.29,11.21,18.64,11.54,47.15.53,65.94-15.41,26.3-42.91,23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#232320\"><\/path>\n<\/svg>        <h3 data-toc=\"false\">Key takeaways<\/h3>\n  <\/div>\n\n    <ul>\n          <li>Banks in the UK are regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA).<\/li>\n          <li>The Financial Services Compensation Scheme (FSCS) protects deposits up to \u00a3120,000 in a fully licensed bank.<\/li>\n          <li>You can compare <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\">savings accounts with FSCS protection in our guide<\/a>.<\/li>\n      <\/ul>\n\n  \n  <\/div>\n<h3>Are my savings safe? The Financial Services Compensation Scheme<\/h3><p>Let\u2019s start with the basics: Even if our bank collapsed, most of us would get our savings back. This is thanks to the Financial Services Compensation Scheme (FSCS).<\/p><p>We have <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">a longer guide about the FSCS<\/a> but basically it guarantees that all money up to \u00a3120,000 held in an account from a fully licensed UK bank would be paid back to the account holder, even if the bank itself were to go bust.<\/p><p>So, if you have less than \u00a3120,000, you really only need to make sure that you hold your money with an institution that has a full UK banking licence from the Financial Conduct Authority (FCA).<\/p><p>Even if you are one of the lucky people who have more, you can just spread the money between different banks \u2013 as long as they aren\u2019t part of the same institution \u2013 so that you never go over the FSCS limit. For banks in the same group \u2013 such as <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/first-direct-savings-accounts\">First Direct<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/hsbc-savings-accounts\">HSBC<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/halifax-savings-accounts\">Halifax<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/bank-of-scotland-savings-accounts\">Bank of Scotland<\/a> or <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/natwest-savings-accounts\">NatWest<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/rbs-savings-accounts\">RBS<\/a> \u2013 the limit is \u00a3120,000 in total for money you\u2019ve deposited in any of its brands collectively. So if you have more than this, pick a bank in a different group for anything above \u00a3120,000.If you\u2019re looking to 100% guarantee of your savings, the only bank able to offer that is NS&amp;I. That\u2019s because it\u2019s part of the government and backed by HM Treasury, meaning every penny of your savings is protected, not just the FSCS limit. <\/p><h3 id=\"banking-brands\">Banking brands that share the same FSCS protection<\/h3><table class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th>Licence holder<\/th><th>Banking brands<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><td>Bank of Scotland Plc<\/td><td>Halifax, Bank of Scotland, Birmingham Midshires, Intelligent Finance<\/td><\/tr><tr><td>Clydesdale Bank Plc<\/td><td>Clydesdale Bank, Yorkshire Bank, Virgin Money<\/td><\/tr><tr><td>The Royal Bank of Scotland Plc<\/td><td>NatWest, Royal Bank of Scotland, Ulsterbank<\/td><\/tr><tr><td>HSBC UK Bank Plc<\/td><td>HSBC, First Direct<\/td><\/tr><tr><td>Bank of Ireland UK<\/td><td>Post Office Money, Bank of Ireland UK, AA Savings<\/td><\/tr><tr><td>The Co-operative Bank Plc<\/td><td>Co-operative Bank, Smile, Britannia<\/td><\/tr><tr><td>Santander UK Plc<\/td><td>Santander UK, Cahoot<\/td><\/tr><tr><td>Lloyds Bank Plc<\/td><td>Lloyds Bank, Scottish Widows Bank<\/td><\/tr><\/tbody><\/table><div class=\"newsletter-wrapper\"><\/div>\n<div class=\"newsletter-signup sticky-mode theme-green\" data-accountcreateflow=\"newsletter\" data-displaydelay=\"0\" data-showformembers=\"1\">\n    <div class=\"signup-grid\">\n                                <div class=\"signup-image\">\n                <img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png\" alt=\"newsletter-image\" class=\"signup-image-img\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=900 900w, 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0 47.12-7.26 66.68-20.63 19.56 13.37 42.83 20.63 66.68 20.63 31.57 0 61.25-12.29 83.57-34.62 22.32-22.32 34.62-52 34.62-83.57s-12.29-61.25-34.62-83.57c-22.32-22.32-52-34.62-83.57-34.62Z\" fill=\"#232021\"><\/path>\n      <path d=\"M269.72 114.69a3.64 3.64 0 0 1 4.21-3.18c14.6 2.38 27.46-8.95 25.65-24.62-.56-4.81-2.79-8.03-5.43-11.41-1.29-1.65-.91-4.1.87-5.21 19.12-12.03 38.77-2.34 49.97 16.28 13.73 22.83 14.14 57.77.65 80.79-18.88 32.22-52.57 28.76-68.66-3.72-7.46-15.06-9.15-32.34-7.25-48.92Z\" fill=\"#232021\"><\/path>\n      <path d=\"M134.42 114.69a3.64 3.64 0 0 1 4.21-3.18c14.6 2.38 27.46-8.95 25.65-24.62-.56-4.81-2.79-8.03-5.43-11.41-1.29-1.65-.91-4.1.87-5.21 19.12-12.03 38.77-2.34 49.97 16.28 13.73 22.83 14.14 57.77.65 80.79-18.88 32.22-52.57 28.76-68.66-3.72-7.46-15.06-9.15-32.34-7.25-48.92Z\" fill=\"#232021\"><\/path>\n    <\/svg>\n  <\/div>\n\n  <div class=\"eeQuote__finderLozenge--mobile\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" 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11.54 47.15.53 65.94-15.41 26.3-42.91 23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93ZM105.92 90.21a2.975 2.975 0 0 1 3.43-2.6c11.91 1.94 22.41-7.31 20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26 15.6-9.82 31.64-1.91 40.78 13.29 11.21 18.64 11.54 47.15.53 65.94-15.41 26.3-42.91 23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#212121\"><\/path>\n      <\/g>\n    <\/svg>\n  <\/div>\n<\/div>\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Our expert says: How to safely switch your savings<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"It may seem a daunting task to switch savings accounts. But by not doing so, you could be losing out on hundreds \u2013 maybe even thousands \u2013 of pounds in interest each year. <\/p><p>When inflation is high, the value of your savings becomes less in real terms. Essentially, what you can buy with the money sitting in your savings account now, is less than what you could buy a year ago. That\u2019s why it\u2019s important to earn as much interest as you can to minimise the effect of inflation on your savings. <\/p><p>While there may not be a switching service like there is for current accounts, it\u2019s still easy to switch savings accounts. The first step is to compare the best rates available for your chosen type of savings account. <\/p><p>The next step is to check if the provider is protected by the Financial Services Compensation Scheme (FSCS). This means that your deposits are protected up to \u00a3120,000. So if the provider were to go bust, you could get your savings back. One thing to be aware of though, if you have multiple accounts with one banking group, these all contribute towards the \u00a3120,000 limit. You can check whether a provider has FSCS protection by looking for the logo in our comparison tables.<\/p><p>If you\u2019re worried about sending a large amount of money at once, you can start by sending a small amount \u2013 say \u00a31 \u2013 to check it arrives safely. Then you can transfer across your remaining savings balance. However, make sure to check your new savings account allows multiple deposits \u2013 some fixed-rate accounts won\u2019t allow you to make further additions.<\/p><p>Finally, if you\u2019re worried about not being able to access your savings, then it\u2019s probably best to go for an instant access or easy access account. You may get higher rates with a fixed-rate bond, but your money will be locked away for the duration of the term and you won\u2019t be able to access it.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"Kate Steere's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png?fit=600 600w\" sizes=\"(max-width: 600px) 100vw, 600px\" loading=\"lazy\">\n                            <\/figure>\n                                                            <div class=\"eeQuote__finderLozenge\">\n  <div class=\"eeQuote__finderLozenge--desktop\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"14\" viewbox=\"0 0 1320.32 251.3\" fill=\"none\" role=\"img\" aria-label=\"Finder\">\n      <path d=\"M461.05 18.35h113.51c5.18 0 9.12 4.66 8.25 9.77l-5.53 32.68a8.37 8.37 0 0 1-8.25 6.98H505.5c-4.03 0-7.49 2.87-8.23 6.83l-4.6 24.55c-.97 5.15 2.99 9.91 8.23 9.91h57.05c5.2 0 9.14 4.68 8.25 9.8l-5.14 29.64a8.38 8.38 0 0 1-8.25 6.94h-63.04c-4.05 0-7.53 2.91-8.24 6.9l-11.77 65.83a8.375 8.375 0 0 1-8.24 6.9h-35.89c-5.21 0-9.15-4.7-8.24-9.83l35.43-199.98c.71-4 4.18-6.91 8.24-6.91ZM606.9 77.49h30.37c6.25 0 10.98 5.64 9.89 11.8l-24.31 137.49c-.85 4.8-5.02 8.3-9.89 8.3h-30.37c-6.25 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6.39 4.03 4.03 2.95 9.74.79 10.63-4.13l10-55.09c.58-3.18 3.35-5.5 6.58-5.5h37.21c4.16 0 7.31 3.76 6.59 7.86l-36.02 203.34a6.694 6.694 0 0 1-6.59 5.52h-30.71c-3.05 0-5.71-2.06-6.47-5.01-1.21-4.66-6.76-6.5-10.59-3.58-11.34 8.62-24.1 12.93-38.27 12.93-11.97 0-23.02-2.84-33.13-8.51Zm68.58-43.8c6.29-4.33 11.19-10.01 14.71-17.03 3.51-7.01 5.26-14.24 5.26-21.67 0-8.87-2.63-15.99-7.9-21.36-5.26-5.36-12.03-8.05-20.28-8.05-7.02 0-13.78 2.01-20.28 6.04-6.5 4.02-11.76 9.44-15.79 16.25-4.02 6.81-6.04 14.35-6.04 22.6 0 8.88 2.73 16.05 8.2 21.52s12.43 8.21 20.9 8.21c7.84 0 14.91-2.17 21.21-6.5ZM1059.41 171.61v1.24c.2 6.81 2.99 12.75 8.36 17.8q8.055 7.59 21.36 7.59c8.25 0 15.12-1.86 20.59-5.57 4.25-2.89 7.6-5.9 10.05-9.04 1.23-1.58 3.25-2.3 5.17-1.72l31.3 9.54c2.6.79 3.79 3.83 2.38 6.16-7.62 12.63-17.06 22.54-28.31 29.74-12.59 8.05-28.17 12.07-46.75 12.07-12.8 0-24.51-2.74-35.14-8.21s-19.09-13.26-25.39-23.37-9.44-21.98-9.44-35.6c0-16.1 4.02-31.78 12.07-47.06 8.05-15.27 19.35-27.76 33.9-37.46q21.825-14.55 49.38-14.55c20.02 0 35.65 5.88 46.9 17.65 11.25 11.76 16.87 27.24 16.87 46.44 0 7.02-.52 13.21-1.55 18.58l-1.67 9.44a7.69 7.69 0 0 1-7.57 6.35h-102.53Zm65.17-50.78c-4.02-5.36-10.89-8.05-20.59-8.05s-17.86 2.58-24.46 7.74c-4.26 3.33-7.74 7.17-10.46 11.52-2.08 3.34.27 7.68 4.21 7.68h51.79c3.14 0 5.56-2.85 4.99-5.94-1.49-8.01-5.49-12.95-5.49-12.95ZM1207.33 77.49h30.95a6.56 6.56 0 0 1 6.34 4.86c1.26 4.69 6.98 6.4 10.66 3.22 2.66-2.31 5.59-4.43 8.78-6.38 6.6-4.02 14.24-6.04 22.91-6.04 7.11 0 13.31 1.22 18.62 3.67 3.37 1.55 4.65 5.7 2.91 8.98l-17.78 33.48c-1.56 2.95-5.08 4.23-8.19 3.02-3.06-1.19-6.64-1.78-10.73-1.78-8.05 0-14.97 2.58-20.74 7.74-5.78 5.16-9.6 13-11.45 23.53l-13.9 77.87a6.56 6.56 0 0 1-6.46 5.41h-37.45c-4.08 0-7.17-3.69-6.46-7.71l25.54-144.46a6.555 6.555 0 0 1 6.46-5.42ZM264.8 237.72c-24.09 0-47.53-7.89-66.68-22.35-19.15 14.45-42.6 22.35-66.68 22.35-61.07 0-110.76-49.68-110.76-110.75V16.21H264.8c61.07 0 110.75 49.68 110.75 110.75s-49.68 110.75-110.76 110.75Z\" fill=\"#fff\"><\/path>\n      <path d=\"M264.8 23.64c57.06 0 103.32 46.26 103.32 103.32S321.86 230.28 264.8 230.28c-25.42 0-48.69-9.2-66.68-24.43-18 15.23-41.26 24.43-66.68 24.43-57.06 0-103.32-46.26-103.32-103.32V23.64h236.69m-.01-14.87H13.24v118.19c0 31.57 12.29 61.25 34.62 83.57 22.32 22.32 52 34.62 83.57 34.62 23.86 0 47.12-7.26 66.68-20.63 19.56 13.37 42.83 20.63 66.68 20.63 31.57 0 61.25-12.29 83.57-34.62 22.32-22.32 34.62-52 34.62-83.57s-12.29-61.25-34.62-83.57c-22.32-22.32-52-34.62-83.57-34.62Z\" fill=\"#232021\"><\/path>\n      <path d=\"M269.72 114.69a3.64 3.64 0 0 1 4.21-3.18c14.6 2.38 27.46-8.95 25.65-24.62-.56-4.81-2.79-8.03-5.43-11.41-1.29-1.65-.91-4.1.87-5.21 19.12-12.03 38.77-2.34 49.97 16.28 13.73 22.83 14.14 57.77.65 80.79-18.88 32.22-52.57 28.76-68.66-3.72-7.46-15.06-9.15-32.34-7.25-48.92Z\" fill=\"#232021\"><\/path>\n      <path d=\"M134.42 114.69a3.64 3.64 0 0 1 4.21-3.18c14.6 2.38 27.46-8.95 25.65-24.62-.56-4.81-2.79-8.03-5.43-11.41-1.29-1.65-.91-4.1.87-5.21 19.12-12.03 38.77-2.34 49.97 16.28 13.73 22.83 14.14 57.77.65 80.79-18.88 32.22-52.57 28.76-68.66-3.72-7.46-15.06-9.15-32.34-7.25-48.92Z\" fill=\"#232021\"><\/path>\n    <\/svg>\n  <\/div>\n\n  <div class=\"eeQuote__finderLozenge--mobile\">\n    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" fill=\"none\" role=\"img\" aria-label=\"Finder\">\n      <circle cx=\"12\" cy=\"12\" r=\"12\" fill=\"#1D53FF\"><\/circle>\n      <g transform=\"translate(3 6.24) scale(0.0573)\">\n        <path d=\"M212.32 190.62a90.38 90.38 0 0 1-54.42-18.24c-15.63 11.79-34.77 18.24-54.42 18.24-49.84 0-90.39-40.55-90.39-90.39V9.83h199.24c49.84 0 90.39 40.55 90.39 90.39s-40.55 90.39-90.39 90.39Z\" fill=\"#fff\"><\/path>\n        <path d=\"M212.32 15.9c46.57 0 84.33 37.75 84.33 84.33 0 46.57-37.75 84.33-84.33 84.33-20.75 0-39.74-7.51-54.42-19.94-14.69 12.43-33.68 19.94-54.42 19.94-46.57 0-84.33-37.75-84.33-84.33V15.9h193.18m-.01-12.14H7.01v96.46c0 53.19 43.27 96.46 96.46 96.46 19.47 0 38.46-5.92 54.43-16.84 15.96 10.91 34.95 16.84 54.42 16.84 53.19 0 96.46-43.27 96.46-96.46S265.51 3.76 212.32 3.76\" fill=\"#232021\"><\/path>\n        <path d=\"M216.34 90.21a2.975 2.975 0 0 1 3.43-2.6c11.91 1.94 22.41-7.31 20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26 15.6-9.82 31.64-1.91 40.78 13.29 11.21 18.64 11.54 47.15.53 65.94-15.41 26.3-42.91 23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93ZM105.92 90.21a2.975 2.975 0 0 1 3.43-2.6c11.91 1.94 22.41-7.31 20.93-20.1-.45-3.93-2.28-6.56-4.43-9.31-1.05-1.35-.74-3.34.71-4.26 15.6-9.82 31.64-1.91 40.78 13.29 11.21 18.64 11.54 47.15.53 65.94-15.41 26.3-42.91 23.48-56.04-3.04-6.09-12.29-7.47-26.4-5.92-39.93Z\" fill=\"#212121\"><\/path>\n      <\/g>\n    <\/svg>\n  <\/div>\n<\/div>\n                                                    <\/div>\n                                        <div class=\"eeQuote__authorDetails\">\n                                                    <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/katesteere\" itemprop=\"url\" target=\"_blank\">\n                                Kate Steere\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Editor<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<h3>Credit ratings<\/h3><p>But, FSCS aside, if your bank were to go bust, it still wouldn\u2019t be pretty (it might take some time before the FSCS kicks in, for example). So if you want to know how solid your bank is, there are a few criteria you can look at.<\/p><p>One is credit ratings. Ratings agencies build their credit ratings by making careful judgement calls on how risky it is to lend money to a certain entity (it can be a bank, a company or even a country).<\/p><p>In practice, the higher the rating, the less an institution is considered likely to default. The 3 leading ratings agencies are Standard &amp; Poor\u2019s, Moody\u2019s and Fitch.<\/p><p>If your bank has a high credit rating, you can be reasonably confident of its financial health \u2013 with a caveat: like all the other criteria we are about to look at, credit ratings don\u2019t give you 100% certainty that everything is fine. Nobody can do that.<\/p><h3>Capital ratios<\/h3><p>Capital ratios are another good indicator of a bank\u2019s financial health. The capital ratio tells you what percentage of the bank\u2019s capital is held in so-called Tier 1 Capital, against the total risk-weighted assets.<\/p><p>Tier 1 Capital refers to a bank\u2019s \u201ccore capital\u201d, such as cash, that remains once you take away all the potential liabilities.<\/p><p>The higher the capital ratio, the bigger the safety net the bank can fall on if things go wrong. According to Basel III (an international regulatory accord for the banking sector introduced after the financial crisis), the minimum capital ratio banks are required to hold is 8%.<\/p><h3>Credit Default Swap rates<\/h3><p>We know, all this jargon is starting to sound vaguely scary. But it\u2019s easier than it looks, we promise.<\/p><p>In a nutshell, a Credit Default Swap (CDS) is a sort of insurance policy that an investor can take out against the risk that a company (in our case, a bank) will default on its debt. You pay a premium and if the company does go bust, you get some money in return.<\/p><p>CDS rates, or premiums, tell you something about the financial health of a bank. It\u2019s just like with your <a href=\"https:\/\/www.finder.com\/uk\/car-insurance\">car insurance<\/a>: The more likely your insurer thinks you are to cause an accident, the higher the premium will be.<\/p><p>Like credit ratings, CDS rates give you an indication of how likely a bank is to go bust. Or more accurately: They give you an indication of how likely the CDS provider <em>believes<\/em> the bank is likely to go bust. Just like with credit ratings, things can always go wrong.<\/p><h3>Safe alternatives to a savings account<\/h3><p>If you are looking for a safer place to store your savings, you are out of luck. <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\">Savings accounts<\/a> are considered one of the safest options for savers, thanks to the FSCS.<\/p><p>Most other options imply some form of investment, and are riskier by definition. For example, you may think that buying property is safer; but actually, there are a tonne of other risk factors that mean that you can get back less than you invested if you buy a house with your savings (the value of the area could diminish; there could be a fire; and so on).<\/p><p>However, investing options that are considered comparatively low-risk are gilts. Gilts are bonds (a type of debt) issued by the UK government to fund its spending. These are considered pretty safe because the government has never defaulted on its debt.<\/p><p>Peer-to-peer lending can offer higher returns, but on the flip side is still not as safe as a savings account.<\/p><h3>Bottom line<\/h3><p>Before choosing a <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/best-savings-accounts\">savings<\/a> or <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/best-banks\">current account<\/a>, it\u2019s well worth checking the provider\u2019s financial health and ensuring that your funds will be protected under the FSCS. Remember to check banking brands too and that you have no more than \u00a3120,000 saved with each one so that you\u2019ll still be covered.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">How do I check if my bank is fully licensed by the Financial Conduct Authority?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can check at the bottom of their website. Banks must include a couple of sentences with their FCA registration number and indication of the type of licence they hold.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What if I have an account with a company that has an electronic money licence?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Electronic money licences are quite common among so-called challengers offering digital accounts. Institutions that are regulated this way are still pretty safe because they cannot lend out their account holders\u2019 money; they have to keep it in so-called \u201csegregated\u201d accounts. This means that even if the firm went bust, customers\u2019 money couldn\u2019t be used to pay its debts.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>","protected":false},"excerpt":{"rendered":"<p>While there is no such thing as absolute safety, there are a few things you can look at to try and figure out how likely your bank is to collapse.<\/p>\n","protected":false},"author":653,"featured_media":127196,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"safest bank in the uk","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"How safe is your bank? 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