OneSavings Bank Plc

Reference number: 530504

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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 18 other names
  • Guernsey Home Loans
  • Heritable
  • Heritable Development Finance
  • Interbay
  • Interbay Asset Finance
  • Interbay Commercial
  • Jersey Home Loans
  • Kent Reliance
  • Kent Reliance Banking Services
  • Kent Reliance for Intermediaries
  • Kent Reliance Property Loans
  • KRBS
  • KRFI
  • OSB
  • Reliance Property Loans
  • Rely
  • Rely Mortgages
  • Rochester Mortgages

Company details

From the company's Companies House record.

Company number
07312896
Company status
Active
Company type
Public limited company
Incorporated
13 July 2010 (16 years old)
Registered office
The Observatory Brunel Way, Dock Road, Chatham, Kent, ME4 4AF, United Kingdom
Nature of business
  • Banks (SIC 64191)

Current directors and secretaries

Name Role Born Appointed
Andrew John Golding Director Jan 1969 30 Dec 2011
David Avery Weymouth Director May 1955 1 Sep 2017
Simon Walker Director Feb 1959 4 Jan 2022
Kalvinder Atwal Director Sep 1971 7 Feb 2023
Henry James Daubeney Director Oct 1963 1 Jul 2024
Victoria Jane Sullivan-Hyde Director Jun 1976 23 Jul 2024
Sally Ann Jones-Evans Director Jul 1966 1 Apr 2025
Gareth Hoskin Director Sep 1960 1 Apr 2025
Robert James Mackenzie Bulloch Director Dec 1961 1 Apr 2026
Jason Stanley Elphick Secretary Not published 15 Jul 2016

Check on the FCA register → Report a scam →

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.
  • 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 (12 permissions)
  • Accepting Deposits
  • Acting as a CBTL administrator
  • Acting as a CBTL lender
  • Administering a regulated mortgage contract
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Dealing in investments as agent
  • Dealing in investments as principal
  • Entering into a regulated mortgage contract as lender
  • 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)
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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

Track record

What customers have complained about

Names it no longer trades under

This firm has retired 2 trading names. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired names
  • kent reliance
  • krbs

Complaints record

In January–June 2025, the Financial Ombudsman Service received 79 new complaints about this firm, and upheld 26% of the ones it decided.

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

  • Banking and credit 42
  • Mortgages 36
  • Investments 1

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

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Common questions

Frequently asked questions

Is OneSavings Bank Plc FCA authorised?
Yes, OneSavings Bank Plc (FRN 530504) is authorised by the FCA to carry out regulated activities.
Is my money safe with OneSavings Bank?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about OneSavings Bank to the Financial Ombudsman Service, free of charge.
Is OneSavings Bank a scam or clone?
OneSavings 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 OneSavings Bank's Firm Reference Number (FRN)?
OneSavings Bank's FRN is 530504. You can verify it on the FCA register.