Peace of mind

The FSCS protects most depositors, including individuals, companies and small local authorities up to a limit of £85,000.

For the purpose of calculating the applicable limit for joint account holders, each holder is deemed to have an equal share (to the nearest £1) of the joint account total. This means, for example, that if you had a joint account with one other person and neither of you had any other deposits with us, the limit for your joint account would be £170,000.

Things to consider

Any deposits you hold above the FSCS compensation limit are unlikely to be covered, unless under specific circumstances, as determined by the FSCS.

Further information

For more information on the scheme, please visit the FSCS website or download the FSCS leaflet below.

HTB would like to reassure customers that we are operating normal business hours, 9am to 5pm Monday to Friday with no interruptions to our service. Click here for more information about our response to COVID-19. Please get in touch here, or via your usual method should you have any concerns.