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.
Virgin Money, 177 Bothwell Street, Glasgow, Glasgow City, G2 7ER, United Kingdom
In the full report: 3 background checks
When virginmoneyukplc.com first appeared online, and whether it can receive email
What kind of line 0800 345 7365 is, and the 2 other firms that give it
Who else gives the postcode G2 7ER
Other names(4)
If you were contacted under any of these names, it is this firm.
Virgin Money Trading name: A name it trades under now.
Yorkshire Bank Trading name: A name it trades under now.
Clydesdale Bank Plc Former name: A name it was registered under before.
B Former trading name: A name it used to trade under.
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.
Entering into a regulated mortgage contract as lender
Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
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
Providing Credit Information Services
Limits on what they may do
Permitted to canvass off trade premises
The firm is permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises.
FCA disciplinary action and Ombudsman complaints
FCA action
fines
2
in fines
£29.6m
most recent
April 2015
Fined £20.68m on 14 April 2015
The Financial Conduct Authority (the FCA) has imposed a financial penalty of £20,678,300 on Clydesdale Bank Plc. The FCA's action took effect on 14 April 2015 and a copy of the Final Notice, which sets out the reason for the action, is displayed on the FCA's web site and can be accessed using the following link: http://www.fca.org.uk/your-fca/documents/final-notices/2015/clydesdale-bank-plc The reason for this action is that the firm breached Principle 6 of the FCA Principles for Businesses by failing to pay due regard to the interests of its customers and treat them fairly in relation to handling complaints from its customers who had purchased Payment Protection Insurance. Clydesdale agreed to settle at an early stage of the FCA’s investigation and therefore qualified for a 30% (Stage 1) discount under the FCA’s executive settlement procedures. Were it not for this discount, the FCA would have imposed a financial penalty of £29,540,500 on Clydesdale.
Fined £8.9m on 19 March 2014
The Financial Conduct Authority (the FCA) has imposed a financial penalty of £8,904,000 on Clydesdale Bank Plc. The FCA's action took effect on 24 September 2013 and a copy of the Final Notice, which sets out the reason for the action, is displayed on the FCA's web site and can be accessed using the following link: http://www.fca.org.uk/your-fca/documents/final-notices/2013/clydesdale-bank-plc The reason for this action is that the firm breached Principle 6 by failing to pay due regard to the interests of its customers and treat them fairly after it discovered an error in how it had calculated some of its customers' mortgage repayments.
Ombudsman complaints
new complaints, January–June 2025
1,165
upheld, against a 31% median
31%
about banking and credit
1,065
A bigger firm gets more complaints simply because it has more customers.
Customer compensation schemes
The FCA has ordered this firm to review past sales and pay back customers who lost out.
January 2015To address possible selling issues affecting customers who purchased Card Security Products provided by Affinion International Limited, where the sale (or renewal) of such products was on or after 14 January 2005 and…
August 2013Following a finding of mis-selling against Card Protection Plan Limited ('CPPL'), in respect of those customers who were mis-sold policies.
The FCA's wording
Amendment to a consumer redress exercise
The Requirements became effective on 27 January 2015 and were supplemented on 15 May 2015. The Requirements shall be supplemented as follows: The definition of 'Scheme of Arrangement' at paragraph 1.33 of the Requirements shall mean the solvent scheme of arrangement under Part 26 of the Companies Act 2006 described more particularly in Annex 1 hereto and all references in the Requirements to Scheme Document shall be references to the Scheme of Arrangement in Annex 1 hereto. Changes to the Scheme of Arrangement originally appended to the Requirements are highlighted through underlined or struck through text. Paragraph 5.1 of Part 3 of Annex B 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 4.6 and 4.9 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 15 November 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 4.8 to 4.10 of the Scheme Document.
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.
Amendment to a consumer redress exercise
Supplemental Requirements 6. The Requirements shall be supplemented as follows: 6.1 A new paragraph 1.21(A) be inserted as follows: 'Extreme Distressed Suppression Population' means Scheme Creditors in respect of whom Schemeco and/or the Scheme Administrators receive a direct communication, in writing or otherwise, from: 1.21(A).1 that Scheme Creditor expressly requesting that no further communication be sent to that Scheme Creditor in connection with the Scheme of Arrangement; or 1.21(A).2 a third party on behalf of a Scheme Creditor stating that the Scheme Creditor is deceased and requesting that no further communication be sent to that Scheme Creditor in connection with the Scheme of Arrangement (provided that the Scheme Administrators are reasonably satisfied that the third party is authorised by law to make such a request on behalf of the Scheme Creditor), and in each case the Scheme Administrators reasonably determine at their discretion on the information available to them that the sending of further communications in connection with the Scheme to the Scheme Creditor will or will be reasonably likely to cause distress or harm.. 6.2 The definition of 'Scheme of Arrangement' at paragraph 1.33 shall mean the solvent scheme of arrangement under Part 26 of the Companies Act 2006 described more particularly in Annex 1 hereto and all references in the Requirements to Scheme Document shall be references to the scheme of arrangement in Annex 1 hereto. Scheme Claims Decisioning Procedures 7. The requirements set out in Annex B to the Requirements be supplemented by inserting a new paragraph 5.2 at Part 3 of Annex B as follows: 5.2 Certain time limits apply where Scheme Creditors wish to initiate the Dispute Resolution Procedure or (as part of the Dispute Resolution Procedure) to refer a dispute to the Scheme Adjudicator. These are set out in Clauses 4.6, 4.8, 4.9 and 7.1 of the Scheme of Arrangement.
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
Firm must undertake a consumer redress exercise
The firm is required to establish and operate a consumer redress scheme scheme to address possible selling issues affecting customers who purchased Card Security Products provided by Affinion International Limited, where the sale (or renewal) of such products was on or after 14 January 2005 and was before the relevant Amendment Date (as defined in the scheme documentation). For full terms see the scheme documentation: www.aischeme.co.uk. The amount of redress may be calculated to off-set any insurance claims made under the Card Security Products. This consumer redress scheme must be implemented no later than 31 October 2015. This consumer redress scheme shall be binding on the Financial Ombudsman Service. Further details are also available on the FCA website: www.fca.org.uk/affinion-scheme.
Companies House record
The company behind the firm: its status, age, registered office and directors.
A firm is run by people, and their other companies are their track record:
what they built, what closed, and anything that failed. It is the check most
people never think to make.
other companies
90
closed down
38
are FCA-registered
11
Lorem Ipsum Holdings LtdDirector · 2014 to 2019Dissolved
Dolor Sit LtdDirector · since 2016FCA-registeredActive
Amet Consectetur Property Services LtdDirector · 2011 to 2015In liquidation
Adipiscing Elit Group LLPSecretary · since 2020Active
In the full report: all 90 companies, named
What each company does, and whether it is still trading
Which of these 11 directors sit on each board, and since when
Any that went into liquidation or administration
The 11 on the FCA register
The 2 companies these 11 directors run together
All 104 people who have ever been directors, with their dates
Key dates in its history
Clydesdale Bank’s history from the FCA register and Companies House, newest first.
Changed its registered name from "Clydesdale Bank Plc"
FCA register
2020
13 October 2020
FCA warned the public about a scam impersonating this firm
FCA warning list
2016
30 September 2016
Cyb Investments Limited gave up control
Virgin Money UK PLC took control (75–100% of shares)
Companies House
6 April 2016
Cyb Investments Limited took control (75–100% of shares)
Companies House
11 January 2016
FCA imposed a requirement (Permitted to canvass off trade premises)
FCA register
2015
14 April 2015
Fined £20.68m by the FCA
FCA register
27 January 2015
FCA ordered a customer compensation scheme
FCA register
2014
19 March 2014
Fined £8.9m by the FCA
FCA register
2013
22 August 2013
FCA ordered a customer compensation scheme
FCA register
1 April 2013
Regulated by the FCA from this date
Regulated by the Prudential Regulation Authority from this date
FCA register
2001
1 December 2001
Regulated by the Financial Services Authority from this date
Became authorised by the FCA
FCA register
1882
3 April 1882
Incorporated at Companies House
Companies House
In the full report: all 214 events
All 214 events in its history (15 shown here)
Every director appointment and resignation: 191
Firms connected to Clydesdale Bank
Other FCA-listed firms that share a director, phone number or address with Clydesdale Bank. A link shows who the firm is tied to, not whether either can be trusted.
connected firms
11
share a director
10
share its phone number
2
Lorem Ipsum Finance LtdAuthorisedShared director
Dolor Sit LtdNo longer authorisedSame phone number
Amet Consectetur Capital Partners LtdAppointed representativeSame postcode
Adipiscing LLPAuthorisedShared director
In the full report: all 11 connected firms, named
How each is linked: shared directors (10), the same phone number (2), the same postcode (1)
Who links each one: the named directors, with dates
1 past link through former directors
Firms like Clydesdale Bank
Other firms of the same type (bank or building society), nearest first.
Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.
Get the full report on Clydesdale Bank
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
90 other companies its directors have run, named
3 background checks on its contact details
All 214 events in its history
11 connected firms, named, and who links them
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FirmSearch Report
Clydesdale Bank Limited
Reference 121873 30 October 2026
Frequently asked questions about this firm
Is Clydesdale Bank Limited FCA authorised?
Yes, Clydesdale Bank Limited (FRN 121873) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as a bank or building society. The FCA has placed a limit on what it may do.
What is Clydesdale Bank’s phone number and website?
The FCA register lists the phone number 0800 345 7365 and the website virginmoneyukplc.com for Clydesdale Bank. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms.
Is Clydesdale Bank a scam or clone?
Scammers have impersonated Clydesdale Bank: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for Clydesdale Bank, shown on this page.
Is my money safe with Clydesdale Bank?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Clydesdale Bank to the Financial Ombudsman Service, free of charge.
Who owns Clydesdale Bank?
Clydesdale Bank is owned by Virgin Money UK PLC, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 30 September 2016. Before that, it was controlled by Cyb Investments Limited.
Who runs Clydesdale Bank?
Companies House lists 11 directors of Clydesdale Bank: Tracey Graham, Deborah Klein, Muir Mathieson, Philip George Rivett, Sally-Ann Orton, Gillian Riley and 5 more.
How long has Clydesdale Bank been in business?
The company was formed on 3 April 1882, and has held its current FCA authorisation since December 2001.
Has the FCA taken action against Clydesdale Bank?
Yes. The FCA register records 2 fines between 2014 and 2015, £29.58m in total. The details are in the disciplinary section above, with links to the FCA's notices.
How many complaints does Clydesdale Bank get?
In January–June 2025, the Financial Ombudsman Service received 1,165 new complaints about Clydesdale Bank, and upheld 31% of those it decided.
Does Clydesdale Bank use any other names?
It trades as Virgin Money and Yorkshire Bank. It has previously used 2 other names: Clydesdale Bank Plc and B.