We operate with strong backing and a clean, transparent legacy.
We have been providing our clients with “banking as it should be” for almost a decade.
Clean balance sheet, soundly funded
Our prudent approach to asset backed lending is funded predominantly by customer deposits and is underpinned by a strong capital position, with a total capital ratio of 15.1% and CET1 capital ratio of 12.3% as at 30 June 2018.
We’re members of the Financial Services Compensation Scheme, which protects your deposits (up to a limit of £85,000). Regulated in the UK by the PRA and FCA, we are a UK-centric bank where customer deposits are ring-fenced and can only be utilised for UK lending.