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Cambridge & Counties Bank is proudly owned by Trinity Hall, Cambridge and the Cambridgeshire Local Government Pension Fund.

We were founded in 2012 by two respected institutions with a shared vision: to create a responsible, expert banking specialist. Our mission is to bring back the best of traditional banking; personal service, transparency, and long-term relationships - while delivering the speed, efficiency, and innovation expected of a modern provider. Whether you're looking to grow your business or save securely, we offer a fast, flexible, and dependable way to do both.

Our approach

We avoid speculative markets and maintain a strong financial foundation. Our lending is always backed by real assets, and we focus on responsible growth that benefits our customers and communities. 

Planning ahead

We take a forward-looking approach to risk and resilience. By regularly stress testing our business and maintaining robust capital and liquidity levels, we’re prepared to navigate economic challenges and continue supporting our customers. 

  • Regular stress tests to assess resilience against economic and operational shocks 
  • Strong capital and liquidity buffers to ensure long-term stability 

A bank you can rely on

We’re committed to being open and straightforward about how we manage your money. As a single UK bank with no subsidiaries or complex structures, we keep things simple and transparent. We operate under one UK banking licence, which means eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to the applicable limit. We also publish our financial results and risk reports annually, so you always know where we stand. 

  • One banking licence – helping ensure FSCS protection for eligible deposits 
  • No complex structures – just one UK bank 
  • No surprises – clear reporting and open communication 

Want to know more?

Explore our Annual Report and Pillar 3 Report to learn more about how we manage risk and protect your savings. The Pillar 3 Report is part of our regulatory disclosures and provides detailed insights into our risk management framework, capital adequacy, and governance. It’s designed to help customers, investors, and stakeholders understand how we operate safely and responsibly as a bank. 

Delivering on our commitment to responsible banking

As a certified B Corp, we meet the highest verified standards of social and environmental performance, transparency, and accountability. This certification reflects our belief that business can be a force for good – for our customers, communities, and the planet. 

We actively support the communities we serve through charitable giving, volunteering, and partnerships with local organisations. Our environmental initiatives include carbon offsetting, green certifications, and ongoing investment in sustainability. 

Read our 2024 Impact Report

Committed to high standards

Good governance is a fundamental principle at Cambridge & Counties Bank, and we work hard to ensure we are following best practices as we strive to maintain the highest standards of ethical conduct.

Keeping your money safe is our number one priority.

Our primary banking responsibility is to protect our depositors. We do this by employing a conservative approach to risk management; we always hold levels of capital and liquidity comfortably in excess of all regulatory requirements.

FSCS Protected Logo

Your eligible deposits with Cambridge & Counties Bank are protected up to £120,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

For more details about the protection of your deposits, with Cambridge & Counties Bank, read our Information Sheet and Exclusions List.

To learn more about FSCS, including eligibility, please click here or head to their website www.fscs.org.uk

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