Morgan Stanley Bank International Limited

Reference number: 195430

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Scammers have impersonated this firm. The FCA has published 1 warning 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
  • Advantage
  • Advantage Home Loans

Company details

From the company's Companies House record.

Company number
03722571
Company status
Active
Company type
Private limited company
Incorporated
23 February 1999 (27 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Banks (SIC 64191)
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Current directors and secretaries

Name Role Born Appointed
Noreen Philomena Whyte Director May 1972 2 Jul 2014
Paul David Taylor Director Aug 1962 1 Aug 2020
Melanie Jane Richards Director Apr 1964 8 Jul 2021
Megan Veronica Butler Director Jun 1964 1 Oct 2022
Jane Elizabeth Pearce Director Oct 1967 1 Oct 2022
Anthony Philip Mullineaux Director Jul 1967 25 Oct 2022
Christopher Edward Beatty Director Mar 1972 18 Aug 2023
Anna Khazen Director Sep 1974 12 Jun 2025
Philipp Otto Kahre Director Feb 1972 1 Nov 2025
Robert Alexander Talma Stheeman (Sir) Director Jun 1959 5 Feb 2026
Guy Matthew Clayton Secretary Not published 20 Feb 2013
Emily Sarnia Everard Upton Secretary Not published 20 Jun 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 (1)
  • 020 8079 8113
Fake email addresses (1)
  • contact@msaccounts.uk
The FCA warning 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.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit 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 (16 permissions)
  • Accepting Deposits
  • Administering a regulated mortgage contract
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on P2P agreements
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Arranging safeguarding and administration of assets
  • Causing dematerialised instructions to be sent
  • Dealing in investments as agent
  • Dealing in investments as principal
  • Entering into a regulated mortgage contract as lender
  • 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

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

Past business

The FCA has required this firm to go back over business it already did and put things right where customers lost out. Each entry below is the FCA's own wording, and several may amend one scheme rather than describe separate ones.

  • Amendment to a consumer redress exercise
    The Requirements became effective on 13 August 2013. The Requirements shall be supplemented as follows: The definition of 'Scheme of Arrangement' at paragraph 1.28 of the Requirements shall mean the solvent scheme of arrangement under Part 26 of the Companies Act 2006 as sanctioned by the Court on 14 January 2014 (as subsequently modified in accordance with its terms) and as described more particularly in Annex 1 to this Supplemental Requirement. Changes to the Scheme of Arrangement as appended to Part 1 of Annex C to the Requirements are highlighted through underlined or struck through text. All references in the Requirements to ”Scheme Document shall be references to the Scheme of Arrangement described more particularly in Annex 1 hereto. Paragraph 5.1 of Part 3 of Annex C of the Requirements shall be amended so as to read as follows: If a Scheme Creditor disagrees with the amount of compensation payable to him, he may initiate the Dispute Resolution Procedure to refer the dispute to the Scheme Adjudicator, provided he does so within the time limits specified in Clauses 4.5 and 4.8 of the Scheme Document. If a Scheme Creditor disagrees with the rejection of his Claim Form by the Scheme Administrators, and provided that the Claim Form was received on or before 22 July 2016, he may initiate the Dispute Resolution Procedure to refer the dispute to the Scheme Adjudicator, provided he does so within the time limits specified in Clauses 4.7 to 4.9 of the Scheme Document.
  • Firm must undertake a consumer redress exercise
    The firm is required to establish and operate a consumer redress scheme following a finding of mis-selling against Card Protection Plan Limited ('CPPL'), in respect of those customers who were mis-sold policies. 'Policies' (or 'policy') means CPPL's Card Protection Product, where the sale (or renewal) was on or after 14 January 2005 and was before the relevant Amendment Date (as defined in the scheme documentation); and/or CPPL's Identity Protection Product, where the sale (or renewal) was on or after 14 January 2005 and the sale was by telephone. The amount of redress may be calculated to off-set any claims made under the policy. This customer redress scheme must be implemented no later than 30 April 2014. Such consumer redress scheme shall be binding on the Financial Ombudsman Service. Further details are available on the FCA website: www.fca.org.uk

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.

  • Morgan Stanley Dean Witter Bank Limited

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Common questions

Frequently asked questions

Is Morgan Stanley Bank International Limited FCA authorised?
Yes, Morgan Stanley Bank International Limited (FRN 195430) is authorised by the FCA to carry out regulated activities.
Is my money safe with Morgan Stanley Bank International?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Morgan Stanley Bank International to the Financial Ombudsman Service, free of charge.
Is Morgan Stanley Bank International a scam or clone?
Morgan Stanley Bank International 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 Morgan Stanley Bank International's Firm Reference Number (FRN)?
Morgan Stanley Bank International's FRN is 195430. You can verify it on the FCA register.