Which compensation scheme applies to the entity, or does none apply?
Answered for 2 of 6 firms. The scheme's own register matched to the entity, or the entity's binding statement of which scheme covers it. Where no scheme applies, the entity's own disclosure to that effect is the answer: a compensation scheme's register cannot establish that a firm outside its scope is outside its scope.
STARLING BANK LIMITED
VerifiedWe can only protect money held by UK branches of authorised banks and building societies and credit unions.
The document states that FSCS protection applies to UK branches of authorised banks, building societies and credit unions.
Statutory register · Financial Services Compensation Scheme · Check the source
WISE PAYMENTS LIMITED
VerifiedFSCS can't protect e-money or payment services firms. We can only protect money held by UK branches of authorised banks and building societies and credit unions
The scheme states that it cannot protect electronic money or payment services firms, and that it can only protect money held by UK branches of authorised banks, building societies and credit unions.
Statutory register · Financial Services Compensation Scheme · Can't find your firm? · Check the source
FREETRADE LIMITED
Not foundNo qualifying source was located within the evidence window. This records what we could not confirm, and carries no inference about the firm.
No qualifying source was located within the evidence window. This records what we could not confirm, and carries no inference about the firm.
MONZO BANK LIMITED
Not foundNo qualifying source was located within the evidence window. This records what we could not confirm, and carries no inference about the firm.
TRADING 212 UK LIMITED
Not foundNo qualifying source was located within the evidence window. This records what we could not confirm, and carries no inference about the firm.
Every firm here was asked the same question against the same published standard, and every answer quotes the passage it came from. Where the answers differ, the difference is in the firms’ own documents, not in how we read them.
Darker text marks stronger evidence. A statutory register prints at full strength; a firm’s own marketing prints lighter. The methodology sets out the weightings.