HSBC UK Bank Plc

Reference number: 765112

Instant download

Scammers have impersonated this firm. The FCA has published 3 warnings naming the fake phone numbers, emails and websites they used. See the warnings →

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Identity

Check their details

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

Also trades as 10 other names
  • fd
  • fd bank
  • first direct
  • first direct bank
  • HSBC
  • HSBC Private Banking
  • HSBC UK
  • M&S Bank
  • M&S Insurance
  • M&S Savings and Investments

Company details

From the company's Companies House record.

Company number
09928412
Company status
Active
Company type
Public limited company
Incorporated
23 December 2015 (10 years old)
Registered office
1 Centenary Square, Birmingham, B1 1HQ, United Kingdom
Nature of business
  • Banks (SIC 64191)

Current directors and secretaries

Name Role Born Appointed
Mridul Hegde Director Mar 1967 7 Feb 2018
Jenny Fiona Goldie-Scot Director Nov 1955 19 Jul 2022
Janet Bernadette Henry Director Feb 1969 1 Nov 2022
Simon John Calver Director Jul 1964 1 Apr 2023
Oliver Roebling Panton Corbett Director Jan 1965 1 Jan 2024
Zoe Andrea Knight Director Oct 1974 1 Jan 2024
Carolyn Adele Dittmeier Director Nov 1956 1 Oct 2024
Abimbola Olubunmi Edet Afolami Director Feb 1986 9 Jan 2025
David Robert Lindberg Director Mar 1975 8 Dec 2025
Jonathan Bingham Director Jan 1975 8 Apr 2026
Dame Carolyn Julie Fairbairn Director Dec 1960 13 Apr 2026
Fiona Mary Mackay Secretary Not published 1 Oct 2024

Check on the FCA register → Report a scam →

Warning

Scammers have impersonated this firm

Fraudsters have used this firm's name or details with their own contact information to appear genuine. Check whatever you were given below, and against the firm's real details above.

Fake phone numbers (2)
  • +12082184299
  • 020 3769 2990
Fake email addresses (4)
  • compliance@hsbcukbankplc.com
  • davidbrown@investdirectuk.com
  • investdirect@europe.com
  • support@thefirstdirect.com
Fake websites (1)
  • thefirstdirect.com
The 3 FCA warnings these came from

Scammers change these details often. Always check the live FCA warning.

Activities and protection

What they can do, and how you are protected

  • Hold or safeguard your money FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.
  • Advise on or arrange mortgages · Arrange equity release FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit · Hire out goods to consumers No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.

Check your FSCS cover →

Show FCA detail (35 permissions)
  • Accepting Deposits
  • Acting as a CBTL administrator
  • Acting as a CBTL advisor
  • Acting as a CBTL lender
  • Administering a home purchase plan
  • Administering a regulated mortgage contract
  • Advising on a regulated credit agreement the purpose of which is to acquire land
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Advising on Pension Transfers and Pension Opt Outs
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) a home purchase plan
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Arranging safeguarding and administration of assets
  • Assisting in the administration and performance of a contract of insurance
  • Causing dematerialised instructions to be sent
  • Credit Broking
  • Dealing in investments as agent
  • Dealing in investments as principal
  • Debt Administration
  • Debt-collecting
  • Debt-counselling
  • Entering into a home purchase plan
  • Entering into a regulated mortgage contract as lender
  • Entering into Regulated Consumer Hire Agreements as owner
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Establishing/operating/winding up a personal pension scheme
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire agreement
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments
  • Managing investments
  • Safeguarding and administration of assets (without arranging)
  • Sending dematerialised instructions

Limits on what they may do

  • RFB sub-groups
    TO: HSBC UK Bank Plc (FRN 765112) Marks & Spencer Financial Services Plc (FRN 151427) HSBC Private Bank (UK) Ltd (FRN 124781) HSBC Trust Company (UK) Ltd (FRN 119297) (each a ‘firm’) WRITTEN NOTICE TAKE NOTICE: The Prudential Regulation Authority of 20 Moorgate, London, EC2R 6DA has decided to take the following action. 1. ACTION Following an application received from each firm pursuant to section 55M(5)(a) of FSMA for the imposition of the requirements, the PRA has decided to grant the application. 2. CONSTITUTION OF THE RFB SUB-GROUP The sub-consolidation group comprises the entities within the scope of consolidation referred to in paragraph 3(a) of this notice. 3. REQUIREMENTS UNDER S. 55M FSMA (a) Pursuant to Article 11(6) of the CRR, each firm must comply with Parts Two and Three of CRR, and CRD UK law which implemented Title 7, Chapter 4 of CRD on the basis of the consolidated situation of HSBC UK Bank Plc. (b) Each firm must immediately notify the PRA of: (i) any change proposed by the firm to the composition of the sub-consolidation group; (ii) any sub-consolidation group member carrying on or intending to carry on a new activity or materially changing the nature or extent of an existing activity which, if the entity were a ring-fenced body, would be an excluded activity under section 142D of FSMA and the Excluded Activities Order or would contravene a prohibition under section 142E of FSMA and the Excluded Activities Order; (iii) any failure to meet the requirements; or (iv) any change in circumstances likely to affect the ability of the firm to meet the requirements. (c) Each firm must be capable of demonstrating to the PRA that the requirements are met. 4. INTERPRETATION Interpretative provisions (including definitions in the Glossary) of the PRA Rulebook apply to the requirements. 5. EFFECTIVE DATE This written notice takes effect from 1 January 2024 and ceases to have effect on 1 September 2028. 6. DECISION-MAKER The decision to give this notice was made by Simon Dixon on behalf of the PRA. This application has been granted in consultation with the FCA. This notice will be published on the Financial Services Register ANNEX Definitions Excluded Activities Order: means the Financial Services and Markets Act 2000 (Excluded and Prohibited Activities) Order 2014 firm: means each of HSBC UK Bank Plc, Marks & Spencer Financial Services Plc, HSBC Private Bank (UK) Ltd and HSBC Trust Company (UK) Ltd. requirements: mean the requirements in paragraph 3 of this notice

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

Action taken against them, and what customers complained about

2 fines in 2024, £57.42m across 1 of the 2 that state an amount. This is part of the official register record and is worth reviewing before going ahead.

  • Fined on 23 May 2024
    On 23 May 2024, the FCA fined HSBC UK Bank plc, HSBC UK Bank plc, Marks and Spencer Financial Services plc (HSBC). The reason for this action is that between 1 June 2017 and 31 October 2018, HSBC breached Principles 3 and 6 of the Authority’s Principles for Businesses, CONC 7.2.1R, 7.3.4R and 7.3.14R from its Consumer Credit sourcebook, and MCOB 13.3.2A from its Mortgages and Home Finance sourcebook for failures in its treatment of customers who were in arrears or experiencing financial difficulty.  The FCA’s action took effect on 23 May 2024 and a copy of the Final Notice is displayed on the FCA's web site.

    Read the FCA notice →

  • Fined £57.42m on 30 January 2024
    HSBC Bank plc breached PRA Fundamental Rules 2,6,7,8 and Depositor Protection Rules 11,12,14 and 50 HSBC UK Bank plc breached PRA Fundamental Rules 2,6 and Depositor Protection Rules 11,12,14 Both entities were fined a combined £57,417,500 The PRA’s investigation uncovered that there were serious failings at the Firms in relation to the implementation of the DP Rules. The Firms’ failure to organise their affairs responsibly and effectively and to conduct their business with due skill, care and diligence contributed to these failings. HBEU failed in its preparations for resolution in respect of DP Rule compliance, and failed to deal with the PRA in an open and co-operative way by reason of it not providing information of which the PRA could reasonably have expected notice. See the published Final Notice for more details.

    Read the FCA notice →

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • HSBC UK RFB Limited

Complaints record

In January–June 2025, the Financial Ombudsman Service received 3,222 new complaints about this firm, and upheld 28% of the ones it decided.

That is below the 31% median for the firms the Ombudsman reports on.

  • Banking and credit 3,020
  • Mortgages 157
  • Investments 34

A bigger firm receives more complaints simply because it has more customers. FOS complaints data →

Download this page as a PDF report

£5 for a clean, timestamped copy you can keep, file or send on. It also helps keep the site free to use and free of ads.

Instant download

Common questions

Frequently asked questions

Is HSBC UK Bank Plc FCA authorised?
Yes, HSBC UK Bank Plc (FRN 765112) is authorised by the FCA to carry out regulated activities.
Is my money safe with HSBC UK Bank?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about HSBC UK Bank to the Financial Ombudsman Service, free of charge.
Is HSBC UK Bank a scam or clone?
HSBC UK Bank is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is HSBC UK Bank's Firm Reference Number (FRN)?
HSBC UK Bank's FRN is 765112. You can verify it on the FCA register.