At Cambridge & Counties Bank, one of our key responsibilities is to protect our depositors.
As a Bank, your eligible deposits are protected by the Financial Services Compensation Scheme, which is independent from both the Government and the Financial Services Industry. The FSCS is designed to protect customers if a Financial Services firm has failed, and to give peace of mind.
What’s changing?
The amount of money in your deposit account that is protected by the FSCS is changing:
- The current FSCS deposit protection limit on eligible deposits is £85,000
- From 1st December 2025 the limit will rise from £85,000 to £120,000.
- It is worth noting that the limit is per authorised Firm, so it is sensible to check if you have deposit accounts with multiple Banks how much protection you have.
To find out more about FSCS protection, if your money is eligible for cover and what is changing, go to the FSCS website: https://www.fscs.org.uk/
What does this mean for you?
This means the amount of protection you will have on your eligible deposits with Cambridge & Counties Bank will increase and you will be protected up to £120,000 from 1st December 2025.
Why FSCS Matters
FSCS protection is in place to protect customers eligible deposits and give you peace of mind. It’s an important safeguard that ensures your money is secure, no matter what happens.
Why save with Cambridge & Counties Bank?
Established in June 2012, Cambridge & Counties Bank has a stable and supportive ownership structure, being jointly owned by Trinity Hall, a college of the University of Cambridge, and Cambridgeshire County Council as Administering Authority of the Cambridgeshire Local Government Pension Fund. We were founded by these 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 lender.
The Bank is authorised by the Prudential Regulation Authority, regulated by the Financial Conduct Authority and the Prudential Regulation Authority, and is registered under the Financial Services Compensation Scheme.
Frequently asked questions
The FSCS limit will increase to £120,000 from 1 December 2025, following a consultation by the Prudential Regulation Authority (PRA).
The Financial Services Compensation Scheme (FSCS) is the UK’s deposit guarantee scheme. It protects eligible deposits if a bank, building society, or credit union fails.
Your eligible deposits with Cambridge & Counties Bank will be protected up to £120,000 from 1 December 2025 (currently £85,000).
To learn more about FSCS, including eligibility, visit www.fscs.org.uk.
Our primary responsibility is to protect our depositors. We do this by employing a conservative approach to risk management and holding levels of capital and liquidity comfortably above regulatory requirements.
In addition, your eligible deposits with Cambridge & Counties Bank will be protected up to £120,000 from 1 December 2025 (currently £85,000). Cambridge & Counties Bank does not operate under any other trading names.
For more details, read our current Information Sheet and Exclusions List.
No. Our authorisation isn’t shared with any other bank, so when you make a deposit with us, if you are eligible, you will have full FSCS cover.
Visit the FSCS website for full details.