FSA Policy Statement PS12/10: Deposit Protection
The financial services regulators require all banks, building societies and credit unions to prominently display posters and stickers in branches and on websites explaining which deposit guarantee scheme applies to their customers’ deposits. These rules will take effect from 31 August 2012.
The policy statement can be read here.
By downloading and using these materials you are agreeing to FSCS terms and conditions.
These materials are for use by authorised firms only.
Materials for deposit-takers with a single brand/trading name
A firm that accepts deposits under a single brand or trading name must prominently display the compensation sticker and compensation poster in each branch in the following ways:
- displaying the compensation sticker or compensation poster in the branch window; and
- displaying:
(a) the compensation sticker at each cashier window or desk; and
(b) the compensation poster inside the branch.
It is recommended that your firm works with a designer to insert the name of your firm into the stickers and posters, as well as a professional print firm. Clear instructions for your designer and printer are included with each file you download.
To download the files required by your designer and printer, please make your selection using the thumbnails or links below.
Sticker for the branch window
Size: A4 landscape
Sticker (ZIP 1.9MB)
Sticker for the cashier window or desk
Size: 120mm x 90mm
Sticker (ZIP 1.1MB)
Poster for inside the branch
You have a selection of three different images to choose from in either A4 or A1 size. Please choose the size you require using the thumbnails or links below.
Size: A1 portrait
Option 1 (ZIP 14MB) | Option 2 (ZIP 10MB) | Option 3 (ZIP 9.7MB)
Size: A4 portrait
Option 1 (ZIP 4.6MB) | Option 2 (ZIP 3.9MB) | Option 3 (ZIP 3.7MB)
Materials for deposit-takers with multiple brands/trading names
A firm that accepts deposits under multiple brands or trading names must prominently display the compensation sticker and compensation poster in each branch in the following ways:
- displaying the compensation poster in the branch window; and
- displaying:
(a) the compensation sticker at each cashier window or desk; and
(b) the compensation poster inside the branch.
It is recommended that your firm work with a designer to insert the name of your firm, along with the names of the brands you share a licence with. It is also recommended that you work with a professional print firm. Clear instructions for your designer and printer are included with each file you download.
To download the files required by your designer and printer, please make your selection using the thumbnails or links below.
Sticker for the cashier window or desk
Size: 120mm x 90mm
Sticker (ZIP 1.1MB)
Posters for the branch window and inside the branch
You have a selection of three different images to choose from in either A4 or A1 size. Please choose the size you require using the thumbnails or links below.
Size: A1 portrait
Option 1 (ZIP 14.2MB) | Option 2 (ZIP 10.3MB) | Option 3 (ZIP 9.8MB)
Size: A4 portrait
Option 1 (ZIP 4.5MB) | Option 2 (ZIP 3.7MB) | Option 3 (ZIP 3.5MB)
Optional materials for Credit Unions with a single brand/trading name
Your firm is required to display stickers and a poster prominently in branch, including a leaflet available on request. If your firm has no permanent location, you are expected to display materials with equal prominence.
All PRA authorised credit unions should have been sent a sample pack of materials.
It is recommended that you work with a professional print firm. Clear instructions for your printer are included with each file you download.
To download the files required by your designer and printer, please make your selection using the thumbnails or links below.
Sticker for the main window
Size: A4 landscape
Sticker (ZIP 169KB)
Sticker for the cashier window or desk
Size: 120mm x 90mm
Sticker (ZIP 158KB)
Poster for the branch
You have a selection of three different images to choose from in either A4 or A1 size. Please choose the size you require using the thumbnails or links below.
Size: A1 portrait
Option 1 (ZIP 10.8MB) | Option 2 (ZIP 7.5MB) | Option 3 (ZIP 7.2MB)
Size: A4 portrait
Option 1 (ZIP 2.4MB) | Option 2 (ZIP 1.8MB) | Option 3 (ZIP 1.5MB)
Deposit takers who do not operate branches
Deposit takers who do not operate branches or whose branches are not accessible to customers would not be required to display posters or stickers in branches. But, as is the case with credit unions with no permanent location, we would expect the FSCS material to be displayed with equal prominence wherever or whenever there is customer contact.
Leaflet for all deposit-takers
All deposit-takers are required to have leaflets to be made available on request for customers in branch.
Leaflet title: Protecting your money - A guide to how the FSCS protects your money
Size: A5
To download the file required by your printer, please make your selection using the thumbnail or link below.
A5 Leaflet and instructions (PC version - ZIP 3.1MB)
A5 Leaflet and instructions (MAC version - ZIP 3.1MB)
Website PDF
Size: A4
To download a PDF version of this leaflet for your website, please select one of the links below.
Leaflet (PDF 1.3MB)
Information on websites for all deposit-takers
Where a deposit taker has a website, the specified deposit protection information should be displayed in a way that best brings the information to the depositor’s attention. It is recommended that the information is displayed on the front page of the website or a pop-up box when logging on. Mobile banking sites are also to be considered, those that are accessed by mobile handsets and tablet computers.
Single brand/trading name
A firm that accepts deposits under a single brand or trading name must, on pages of its website where it advertises new accounts operated by any of its branches, in a way that best brings the information to depositors' attention:
- display prominently (in electronic form) the compensation sticker; and
- provide from the sticker an electronic link to the compensation leaflet.
For example, you might include one of the following on the front page of the website or a pop-up box when logging on:
500mm x 500mm banner (JPG, 70KB) | 500mm x 300mm banner (JPG, 96KB)
This button could link to a page displaying the live text version of the sticker for single brand/trading name. Click on the thumbnail to see an example of this.
Multiple brands/trading names
A firm that accepts deposits under multiple brands or trading names must, on pages of its website where it advertises new accounts operated by any of its branches, in a way that best brings the information to depositors' attention:
- display prominently (in electronic form) the compensation poster; and
- provide from the poster an electronic link to the compensation leaflet.
For example, you might include one of the following on the front page of the website or a pop-up box when logging on:
500mm x 500mm banner (JPG, 70KB) | 500mm x 300mm banner (JPG, 96KB)
This button could link to a page displaying the live text version of the poster for multiple brands/trading names. Click on the thumbnail to see an example of this.
It is recommended that you work with a professional web designer to produce these materials in electronic format.
Compliance queries
The FSCS is not authorised to provide compliance sign off. You will need to coordinate directly with the FCA or PRA for any compliance related queries.
Please contact the PRA for all queries related to deposits (banks, building societies and credit union) and insurance providers:
- PRA firm enquiries: PRA.FirmEnquiries@bankofengland.co.uk or +44 (0)20 3461 7000
- General public enquiries: enquiries@bankofengland.co.uk or +44 (0)20 7601 4878
Please contact the FCA for all queries related to investments, insurance mediation and home finance.
- FCA firm enquiries: fcc@fca.org.uk 0845 606 9966
- General public enquiries: consumer.queries@fca.org.uk or 0800 111 6768
For example, the types of queries that we are not authorised to answer are:
-
approval of final designs of the posters and stickers after they have been updated.
-
approval of final website designs.
-
approval of where information should be placed on websites.
approval of final designs of the posters and stickers after they have been updated.
approval of final website designs.
approval of where information should be placed on websites.
Questions and Answers
Some of our most frequently asked questions are answered via the links below.
- Can I buy the posters, leaflet and stickers directly from the FSCS?
- What if I don’t have FSCS Ingrid text?
- Can we use a different sized poster?
- Who can I ask to get approval of the FSCS artwork?
- Can we change the colour of the FSCS text on the sticker?
- Can we translate £85,000 into €100,000?
Print and Design queries
If you have any print or design queries, please email communications@fscs.org.uk.
Please quote ‘FCA requirements’ in the subject line of the email.
The FSCS will respond to you within two working days of receiving the email.