Learn more about our partner banks

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United Kingdom
Max. £85000
fscs.org.uk
Established in 1966, Ahli United Bank (UK) PLC is a UK incorporated bank headquartered in London. It was originally set up to meet the investment and banking needs of offshore investors and visitors from the Gulf. Today, its range of British banking services include Private Banking, Wealth Management, Residential Property Finance, Commercial Property Finance and Premium Banking services. Deposits made into savings accounts offered by Ahli United Bank (UK) PLC through Raisin UK are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 per person, per banking group.
United Kingdom
Max. £85000
fscs.org.uk
Founded in 2004, Al Rayan Bank is an inclusive Islamic bank which welcomes customers of all faiths and beliefs. As the oldest and largest Islamic bank in the UK, Al Rayan Bank serves over 85,000 customers throughout the UK with Sharia-compliant and FSCS protected banking products. Because Al Rayan Bank is an ethical, Sharia-compliant bank, they adhere to Sharia banking principles, which you can read about on our Sharia banking page. Al Rayan Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
United Kingdom
Max. £85000
fscs.org.uk
Established in 2009, Aldermore Group PLC provides financial products to businesses and individuals. Through their core values of being reliable, expert, dynamic and straightforward, Aldermore aims to deliver banking as it should be. In addition to dedicated online banking solutions and phone services, Aldermore has a network of UK offices. In March 2018, Aldermore became part of FirstRand Group.
United Kingdom
Max. £85000
fscs.org.uk
Bank of Ceylon (UK) Limited (BOC UK) is a wholly owned subsidiary of Bank of Ceylon, Sri Lanka (BOC) and has a single office in the UK. BOC is the largest bank in Sri Lanka in terms of asset base and has branches in India, Maldives and Seychelles. BOC UK’s business operated as a branch of BOC since 1949 until it was converted into a subsidiary in 2010, and is now authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). The bank’s business model focuses on providing wholesale banking, trade finance, correspondent banking services, and granting commercial and buy-to-let loans within retail banking. The Financial Services Compensation Scheme (FSCS), the UK’s statutory deposit guarantee scheme, protects all eligible deposits offered by BOC UK through the savings marketplace.
Malta
Max. £85000
fscs.org.uk
BNF Bank p.l.c. was incorporated in Malta on 27 March 2007 as Banif Bank (Malta) p.l.c., and licensed to operate as a credit institution in terms of the Banking Act. On 4 October 2016, JUD Investment Group Limited, a subsidiary of Al Faisal International for Investment, acquired a controlling stake in the Bank, and to date remains its largest shareholder. The Bank’s name was subsequently changed to BNF Bank p.l.c. In September 2019, and the Bank established BNF Bank p.l.c. (London Branch), an overseas company registered in the United Kingdom bearing company number FC036636. BNF Bank plc (London Branch) is authorised and regulated by the Malta Financial Services Authority, Malta. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. The Bank is a key player in the Maltese financial services sector and has an international presence through its branch in London. The latter’s strategic focus is participation in the syndicated loan market and raising retail deposits through the Raisin platform. BNF Bank aims to be the bank of choice for individuals and businesses, driven by the highest principles of ethical and social responsibility. In Malta, the Bank offers personal and business clients highly personalised products and services, through a network of 12 retail branches equipped with automated teller machines (ATMs) and deposit machines spread across the island, a corporate and business banking centre, a local trading room, as well as a strong team of customer care representatives. Through the Commercial Banking arm, BNF Bank offers a wide array of services to retail, small to medium sized enterprises (SMEs) and corporate customers. With more than 200 employees, the Bank makes every effort not to treat customers as mere numbers and for this reason, the Bank has managed to carve lasting relationships with its customers while attracting new ones, who see the Bank as innovative and above all true to the promise of service personalisation. The Bank is focused on growing its own digital channels solidly founded on the notions of scalability, speed, security and stability. The Financial Services Compensation Scheme protects deposits made into savings accounts offered by BNF Bank Plc via our marketplace up to £85,000 per person, per banking group.
United Kingdom
Max. £85000
fscs.org.uk
Founded in 1810, Brown Shipley is a UK authorised private bank with over 200 years of experience, and is regulated by both the PRA and FCA. Brown Shipley is headquartered in London with offices in seven other UK cities, offering fully integrated wealth planning, investment management and banking services. Brown Shipley is owned by Quintet Private Bank, and is part of a group of boutique private banks and wealth managers operating across over 50 European cities. Being part of Quintet expands their scale and security and adds a truly global outlook to already strong foundations. All eligible deposits made into Brown Shipley bank accounts are protected by the FSCS up to a total of £85,000 per individual.
United Kingdom
Max. £85000
fscs.org.uk
Byblos Bank Europe (BBE) is a niche Bank established and headquartered since 1976 in Brussels, with two fully fledged branches in Paris (1977) and London (1981). BBE operates with banking licences in Belgium, France and the United Kingdom* and is governed by the regulatory authorities in these three respective jurisdictions. BBE falls under the standard Deposit Guarantee Scheme in its three countries of presence. As such, deposits collected via Raisin Platform UK are protected by the Financial Services Compensation Scheme (FSCS) up to the maximum limit of GBP £85,000 per individual client. BBE is a commercial bank with a focus on three main business segments: Financial Institutions, Corporate Banking and Wealth Services. Its core business is International Trade Finance combined with personalised banking services catered to vetted entrepreneurs and private individuals. BBE’s mission is to create significant value for its clients, by building long-term business opportunities and fostering personal relationships, both in Europe, the United Kingdom and in strategically selected countries across the Middle East, Africa and South East Asia.” *Authorised and regulated by the National Bank of Belgium. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.
United Kingdom
Max. £85000
fscs.org.uk
Launched in 2012, Cambridge & Counties Bank is a British bank with a customer-focused approach to financial services. They offer a variety of financial services, including savings accounts which you can apply for at Raisin UK, as well as property finance, asset finance and classic car finance. All eligible deposits made into Cambridge & Counties Bank savings accounts are protected by the Financial Services Compensation Scheme (FSCS) up to a total of £85,000 per person, per banking group. Find out more about Cambridge & Counties Bank as part of our ‘Meet the Bank’ series.
United Kingdom
Max. £85000
fscs.org.uk
Castle Community Bank was formed late in 2015 following the merger of two long- established credit unions: Castle Credit Union and North Edinburgh Credit Union. Since its establishment, the business has progressed and is now considered to be amongst the top 5 credit unions in the UK. A credit union is a financial institution which is owned by its members and is registered on the FCA Mutual Register as entity 0019CUS. From a governance perspective, Castle Community Bank is supported by both the Prudential Regulation Authority and the Financial Conduct Authority with registration reference 213877. Castle Community Bank provides both loans and savings for members across the UK within their Common Bond*. All savings up to £85,000 are fully protected by the Financial Savings Compensation Scheme. * The Common Bond means a member/depositor must be eligible by their employment code or by membership in a recognised institution such as the Co-Op or National Trust.
United Kingdom
Max. £85000
fscs.org.uk
Charter Savings Bank is an online retail bank which has helped UK customers deposit over £6 billion in award-winning online and postal accounts. Founded in 2008, Wolverhampton based Charter Court Financial Services Limited is a specialist financial services business built for today’s challenging mortgage and savings markets which launched Charter Savings Bank in 2015. All eligible deposits made into Charter Savings Bank savings accounts are protected by the Financial Services Compensation Scheme (FSCS) up to a total of £85,000 per person, per banking group.
United Kingdom
Max. £85000
fscs.org.uk
FCMB Bank (UK) Limited is headquartered in London and is an independently established wholly owned subsidiary of First City Monument Bank Ltd, which was initially founded in 2009 as an investment company. FCMB Bank (UK) Limited started offering banking services in 2013 and in September 2018, they expanded their portfolio to include retail and corporate banking, catering to the financial needs of businesses and individuals. FCMB Bank (UK) Limited is committed to achieving a high level of customer satisfaction by offering attractive investment opportunities coupled with honesty, service and respect. FCMB Bank (UK) Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
United Kingdom
Max. £85000
fscs.org.uk
Since 1983, FidBank UK Limited has operated from the heart of London. Fully authorised by the UK regulator in October 2004 as an independently incorporated UK bank, FidBank UK Limited provides a comprehensive range of banking services, including trade finance, personal banking, business banking, treasury services, commercial lending and private banking. FidBank UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority and subscribe to the Financial Services Compensation Scheme.
United Kingdom
Max. £85000
fscs.org.uk
For over 150 years, Furness Building Society has been helping to build a brighter future for people and communities. As a mutual building society, we believe in the power of togetherness and always put our members’ needs first. Our head office is located in the beautiful Cumbria countryside, but our products are available across England, Scotland, and Wales. Through a supportive, secure and accessible service, we aim to create an even better building society for future generations. We also take great pride in supporting the communities we serve through fundraising events, food bank donations, volunteering days, community support donations, and sponsorships.
United Kingdom
Max. £85000
fscs.org.uk
Gatehouse Bank, formerly Milestone Savings, is a new ethical Sharia-compliant challenger bank that is authorised by the Financial Conduct Authority and the Prudential Regulation Authority. Gatehouse Bank adheres to a strict ethical code of Sharia banking principles, and subsequently, they won’t invest in gambling, alcohol, tobacco or arms. Instead, they support projects with less ethical concerns, such as property and real estate projects across the UK. The principles of Sharia banking prohibit excessive uncertainty, gambling and speculation, and as the Financial Services Compensation Scheme protects savings products offered by Gatehouse Bank through Raisin UK, you can rest assured that your capital is secure.
United Kingdom
Max. £85000
fscs.org.uk
GB Bank is a bank with a purpose and a bank on a mission.  After receiving its full UK banking licence in August 2022, the award-winning bank is already driving a positive change in the local community and beyond. GB Bank is a specialist bank that is dedicated to building and re-generating underserved communities across the UK by supplying SME property developers with flexible finance solutions for both commercial and residential developments.  Every penny saved with GB Bank helps to support regional, community developments across the UK.
United Kingdom
Max. £85000
fscs.org.uk
Hampshire Trust Bank (HTB) is a privately owned British bank that provides award-winning savings services. HTB also specialises in finance solutions for British businesses through specialist mortgages, business finance and development finance products.   The FSCS protects deposits made into savings accounts offered by Hampshire Trust Bank Plc through our marketplace, and Hampshire Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
United Kingdom
Max. £85000
fscs.org.uk
The independent HBL Bank UK opened its first branch in London in 1961. Initially known as Habib Bank Limited (HBL), the bank changed its name for the first time in 2001. As Habib Bank UK, it acquired 100% of the shares in Habibsons Bank Limited (HSB) in 2011. Following the acquisition, HAIB’s banking operations were merged with HSB in December 2014 and continued as Habibsons Bank. In 2018, both the trading name and the registered name of Habibsons Bank were changed to “HBL Bank UK Limited”, trading as HBL Bank UK. Today, HBL Bank UK offers a range of personal, business, and corporate banking services – including traditional banking products, loans and trade finance. Thereby, the bank meets the banking needs of target market customers in the United Kingdom. HBL Bank UK is authorized by the Prudential Regulation Authority. It is also regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA).
United Kingdom
Max. £85000
fscs.org.uk
Founded in 1965, Hodge Bank is a British bank headquartered in Cardiff, who succinctly describe its approach as a financial service provider as “doing the right thing”. With half a century’s worth of experience in the later-life lending market, and more than thirty years providing lending and deposits to private and commercial clients, Hodge believes it knows what customers need.
Sweden
Max. Kr1050000
riksgalden.se
HoistSavings is the savings arm of Hoist Finance, and all eligible deposits made into HoistSavings savings accounts are protected by the Swedish deposit guarantee scheme, and up to a total of SEK 1,050,000 per person, per institution. As Hoist Finance is located in Sweden, it is regulated by Finansinspektionen (FI), and your funds will be sent to and be held in Sweden, rather than the UK. Find out more about the Swedish deposit guarantee scheme here. Hoist Finance, founded in 1994, is a Swedish financial institution listed on the Nasdaq Stockholm stock exchange under the supervision of the Swedish Financial Supervisory Authority, offering deposit accounts covered by the Swedish deposit guarantee scheme. Hoist Finance is a trusted debt resolution partner to individuals, companies, and banks in eleven European countries. With over 1,700 dedicated colleagues, smart digital solutions, and a deep understanding of individual financial circumstances, we help over six million customers keep their commitments. Hoist Finance has a diverse portfolio of asset classes and our online savings platform in Sweden, UK and Germany enables our unique funding model.
United Kingdom
Max. £85000
fscs.org.uk
ICICI Bank UK plc was established in the UK in 2003 and offers a range of personal, business, corporate and investment banking services in the UK and Europe. ICICI Bank UK plc is part of ICICI Bank Limited, which has over 60 years of experience in finance and a presence in 17 countries.
United Kingdom
Max. £85000
fscs.org.uk
Since they were founded in 1974, the Investec Group has gone from strength to strength. They acquired London-based Allied Trust Bank Limited in 1992, and in 1997, renamed it to Investec Bank (UK) Limited before it then became Investec Bank PLC in 2009. Investec offers savings accounts that have been designed to help you achieve your financial goals without compromising on flexibility. The FSCS protects deposits made into savings accounts offered by Investec Bank PLC through our marketplace, and Investec Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
United Kingdom
Max. £85000
fscs.org.uk
Founded in 1924, İşbank has continued to grow through innovation and their strategy to achieve sustainable and profitable growth based upon their philosophy of being, “the bank closest to its customers”. İşbank is Turkey’s largest private bank*, and in 2020,  it was ranked 156th in The Banker Magazine’s list of “Top 1000 World Banks”. İşbank strives to provide the best quality commercial and retail banking services to its customers, which as of the end of 2020, included approximately 9.2 million digital customers. The FSCS protects deposits made into savings accounts offered by İşbank through our marketplace, and İşbank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Please note, İşbank Ltd is listed on the FSCS website under their official name in Turkish, Turkiye Is Bankasi AS. (*) As of December 2020, in terms of total assets, total loans, total deposits and shareholders’ equity.
United Kingdom
Max. £85000
fscs.org.uk
Kroo is a bank with a conscience. A bank built to change banking. For good. Forever. Founded in 2016, we secured our full banking licence in 2022 and have gone on to launch our FSCS-protected current account. Kroo has been awarded the Best Newcomer 2021 Award by the British Bank Awards, as well as the Banking Innovation Newcomer Award 2021 by the Finder Awards. Kroo believes it can transform banking for good, changing perceptions about what a bank can and should be – one that actually cares for its customers as well as the planet we share. It’s all part of our mission to be a bank that is truly trusted and loved by our customers.
United Kingdom
Max. £85000
fscs.org.uk
LHV Bank, a fully licensed UK bank, specialises in Banking Services for global fintechs, retail consumer Savings and SME Lending solutions for UK businesses. The SME Lending division offers commercial real estate investment loans and trading loans from £0.5m to small and medium-sized businesses in the UK. As a leading Banking Services provider, LHV Bank delivers a wide range of services, including real-time multi-currency payments, accounts, acquiring, indirect scheme access, open banking, and FX solutions. Over 200 renowned fintech companies utilise LHV Bank to serve more than 10 million end customers and to access a pool of 500 million potential customers across the UK and Europe.
Malta
Max. €100000
mfsa.mt
Lidion Bank PLC was established in 2012 in Malta, and after acquiring the necessary rights, they began offering financial services specifically designed for the agricultural and the renewable energy industries in the UK. Since then, Lidion Bank PLC has expanded their services to UK savers, and they’ve begun specialising in collecting online deposits. Deposits made into savings accounts from Lidion Bank PLC are protected by the Maltese Depositor Compensation Scheme up to the equivalent of €100,000 per person, per banking group.
United Kingdom
Max. £85000
fscs.org.uk
National Bank of Egypt (UK) Limited (“NBEUK”) is a UK-incorporated bank headquartered in London. NBEUK was established in 1982 and offers a diverse range of products and services for its customers, including corporate banking, buy-to-let mortgages, retail banking, and trade finance. NBEUK is a wholly-owned subsidiary of the National Bank of Egypt, Egypt’s oldest and largest bank. Deposits made into savings accounts offered by NBEUK through Raisin UK are protected by the Financial Services Compensation Scheme (FSCS).
United Kingdom
Max. £85000
fscs.org.uk
Launched in September 2015, OakNorth Bank is the UK bank for entrepreneurs, by entrepreneurs, providing loans of £500k to £50m to the “Missing Middle” – high-growth businesses which are the most significant contributors of economic and employment growth, yet still struggle to access fast, flexible debt finance. To date, the bank has lent several billion pounds to hundreds of businesses across the UK who have collectively gone on to create tens of thousands of new homes and jobs across the country. OakNorth Bank’s lending is supported by its range of Financial Services Compensation Scheme (FSCS)-protected savings accounts, available to savers at all stages of life. Find out more about OakNorth Bank as part of our ‘Meet the Bank’ series.
United Kingdom
Max. £85000
fscs.org.uk
Paragon Bank PLC is a subsidiary of the Paragon Banking group PLC which is a FTSE 250 company based in Solihull in the West Midlands. Established in 1985, Paragon Banking Group PLC has over £12.5 billion assets under management and manages over 420,000 customer accounts.
United Kingdom
Max. £85000
fscs.org.uk
Plane Saver was founded in 1993 by a group of British Airways Engineers. They had a passion to provide a range of flexible savings and affordable loans to their colleagues. Now with over 25,500 members, it is one of the largest Credit Unions in the UK. Over the last 30 years, Plane Saver has been dedicated to assisting people in managing their finances. As we have grown, we have evolved, embracing modern technology while preserving the essence of personalised service. We firmly believe that the human touch is what matters most when handling money matters, and this principle remains unchanged. At the core of our mission lies a commitment to your financial well-being.
United Kingdom
Max. £85000
fscs.org.uk
Punjab National Bank (International) Limited (PNBIL) is a UK-incorporated commercial bank offering a range of financial services to its customers. PNBIL is the wholly-owned subsidiary of Punjab National Bank (PNB), India. PNB is a leading public sector bank in India having more than 100 million customers and a network of over 6,900 branches. PNBIL was incorporated in the UK on 13th April 2006 and registered with the Companies House in England & Wales under NO. 5781326. PNBIL has been authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA). It got authorisation on 13th April 2007 (Baisakhi Day, and exactly 116 years after PNB was incorporated) to conduct Banking Business in the UK under Registration No. 459701. Complete details of the authorization are available in the FCA register. PNBIL started its UK operations in May 2007 and presently operates through its seven branches, comprising four branches in Greater London (Moorgate, Southall, Ilford and Wembley)  and three branches in the Midlands (Leicester, Birmingham and Wolverhampton). Its corporate office is located at Moorgate in the City of London.
United Kingdom
Max. £85000
fscs.org.uk
Headquartered in London, QIB (UK) Plc provides private banking services and structured real estate financing in the UK, as well as a range of personal savings products, and has been fully authorised by the Prudential Regulation Authority and regulated by the FCA and PRA. The Financial Services Compensation Scheme (FSCS), the UK’s statutory deposit guarantee scheme, protects all eligible deposits offered by QIB (UK) Plc through the Raisin UK savings marketplace. In 2019 QIB UK won The Banker’s UK country award for best Islamic Bank. QIB UK won this award in part for its provision of attractive products and services including its leading deposit products available through Raisin UK. As a result of this offering, QIB UK is seeing increased interest from non-Islamic customers who are looking to benefit from the bank’s competitive rates, as well as its high ethical standards and customer service. Established in 1926, The Banker is read by senior decision makers at the world’s foremost financial institutions. Each year, The Banker produces a definitive ranking of the industry’s best Islamic financial institutions in order to promote and reward excellence in the global Islamic banking community.
United Kingdom
Max. £85000
fscs.org.uk
Formed in 2022, StreamBank is a UK specialist lending and savings bank, focused on Property Finance and Savings. StreamBank differentiates itself by concentrating on markets underserved by the mainstream banks, where its experience, non-traditional thinking, and advanced technologies make informed decisions based on the full picture. For savers, StreamBank aims to offer consistently competitive rates, combined with flexible and easy-to-use products.
United Kingdom
Max. £85000
fscs.org.uk
Tandem Bank, the UK’s greener digital bank, provides customers with fairer, greener ways to save. Launched in 2014 as one of the UK’s original digital challenger banks, Tandem Bank provides customers with simple, transparent, and fair products across its range of savings accounts.
United Kingdom
Max. £85000
fscs.org.uk
Teachers Building Society was founded in 1966 by the National Union of Teachers (now the National Education Union) to help teachers and other education professionals onto the property ladder and provide a safe haven for their savings. Today, the Teachers Building Society offers a wide range of mortgage options to teaching professionals as well as a variety of competitive savings options which are available to all. As a mutual organisation, Teachers Building Society is run solely for the benefit of their members, rather than shareholders. This means that instead of paying dividends to shareholders, they invest their profits back into the products and services they offer, ensuring that their mortgage and savings rates are as competitive as possible. The FSCS protects deposits made into savings accounts offered by Teachers Building Society through our marketplace, and Teachers Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority.
United Kingdom
Max. £85000
fscs.org.uk
UBL UK was established in 2001 and the Bank’s principal activities are to provide Retail Banking services, Wholesale Banking, Treasury, Money Transfer services and Finance facilities to individuals and businesses of all sizes in the UK. UBL UK is a Bank incorporated in the UK, and authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority (PRA).
United Kingdom
Max. £85000
fscs.org.uk
Headquartered in London, Zenith Bank (UK) Ltd was authorised by the FSA in 2007 and has embraced and promoted online banking. Zenith Bank (UK) is the UK subsidiary of Zenith Bank PLC which was founded in 1990. The FSCS protects deposits made into savings accounts offered by Zenith Bank (UK) through our marketplace, and Zenith Bank (UK) Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
United Kingdom
Max. £85000
fscs.org.uk
The fully state-owned Ziraat Bank was established in 1863 with the principal goal of financing agriculture. Ziraat Bank now serves 38 million retail, SME and corporate customers in all sectors of the economy. As the largest financial institution of Turkey with 15% market share, Ziraat Bank has a widespread service network of 1,726 domestic branches and service points in 116 locations across 17 countries, providing high quality banking services and products. Ziraat Finance Group commands an extensive portfolio of domestic and international affiliates in  banking, investment services, portfolio management, venture capital, real estate investment trust and financial technologies. With its customer-oriented balance sheet, well-diversified funding base and prudent risk management strategies, the Bank aims to continue growing, adhering to highest standards of responsible and sustainable banking and further supporting economic development. T.C. Ziraat Bankası A.Ş. is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 204705. Your eligible deposits with TC Ziraat Bankasi A.S London Branch are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS), the UK’s deposit guarantee scheme.