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.
1 Centenary Square, Birmingham, West Midlands, B1 1HQ, United Kingdom
In the full report: 3 background checks
When hsbc.co.uk first appeared online, and whether it can receive email
What kind of line 0345 740 4404 is
Who else gives the postcode B1 1HQ
Other names(11)
If you were contacted under any of these names, it is this firm.
fd Trading name: A name it trades under now.
fd bank Trading name: A name it trades under now.
first direct Trading name: A name it trades under now.
first direct bank Trading name: A name it trades under now.
HSBC Trading name: A name it trades under now.
HSBC Private Banking Trading name: A name it trades under now.
HSBC UK Trading name: A name it trades under now.
M&S Bank Trading name: A name it trades under now.
M&S Insurance Trading name: A name it trades under now.
M&S Savings and Investments Trading name: A name it trades under now.
HSBC UK RFB Limited Former name: A name it was registered under before.
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.
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
Providing Targeted Support
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
FCA disciplinary action and Ombudsman complaints
FCA action
fines
2
in fines
£57.4m
most recent
May 2024
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.
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.
Ombudsman complaints
new complaints, January–June 2025
3,222
upheld, against a 31% median
28%
about banking and credit
3,020
A bigger firm gets more complaints simply because it has more customers.
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
9
still active
9
are FCA-registered
3
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 9 companies, named
What each company does, and whether it is still trading
Which of these 10 directors sit on each board, and since when
Any that went into liquidation or administration
The 3 on the FCA register, including one no longer authorised
The 2 companies these 10 directors run together
All 27 people who have ever been directors, with their dates
Key dates in its history
HSBC UK Bank’s history from the FCA register and Companies House, newest first.
HSBC Holdings PLC took control (75–100% of shares)
HSBC UK Holdings Limited gave up control
Companies House
2020
31 December 2020
No longer regulated by the Irish Financial Regulator
FCA register
8 April 2020
FCA warned the public about a scam impersonating this firm
FCA warning list
2018
8 May 2018
Regulated by the Irish Financial Regulator from this date
FCA register
2017
9 October 2017
Changed its registered name from "HSBC UK RFB Limited"
FCA register
10 July 2017
Regulated by the FCA from this date
Regulated by the Prudential Regulation Authority from this date
Became authorised by the FCA
FCA register
21 March 2017
HSBC Holdings PLC gave up control
HSBC UK Holdings Limited took control (75–100% of shares)
Companies House
2016
26 October 2016
HSBC Holdings PLC took control (75–100% of shares)
Companies House
2015
23 December 2015
Incorporated at Companies House
Companies House
In the full report: all 74 events
All 74 events in its history (16 shown here)
Every director appointment and resignation: 44
Firms connected to HSBC UK Bank
Other FCA-listed firms that share a director, phone number or address with HSBC UK Bank. A link shows who the firm is tied to, not whether either can be trusted.
connected firms
4
share a director
3
share its postcode
1
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 4 connected firms, named
How each is linked: shared directors (3), the same postcode (1)
Who links each one: the named directors, with dates
Firms like HSBC UK 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 HSBC UK Bank
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
9 other companies its directors have run, named
3 background checks on its contact details
All 74 events in its history
4 connected firms, named, and who links them
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FirmSearch Report
HSBC UK Bank PLC
Reference 765112 31 October 2026
Frequently asked questions about this firm
Is HSBC UK Bank PLC FCA authorised?
Yes, HSBC UK Bank PLC (FRN 765112) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2017 and works as a bank or building society. The FCA has placed a limit on what it may do.
What is HSBC UK Bank’s phone number and website?
The FCA register lists the phone number 0345 740 4404 and the website hsbc.co.uk for HSBC UK Bank. If you were given different contact details, use these to check with the firm before going any further.
Is HSBC UK Bank a scam or clone?
Scammers have impersonated HSBC UK Bank: the FCA has published 3 warnings about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for HSBC UK Bank, shown on this page.
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.
Who owns HSBC UK Bank?
HSBC UK Bank is owned by HSBC Holdings PLC, which holds 75–100% of shares and 75–100% of votes, since 21 June 2021. Before that, it was controlled by HSBC UK Holdings Limited.
Who runs HSBC UK Bank?
Companies House lists 10 directors of HSBC UK Bank: Mridul Hegde, Jenny Fiona Goldie-Scot, Janet Bernadette Henry, Simon John Calver, Oliver Roebling Panton Corbett, Carolyn Adele Dittmeier and 4 more.
How long has HSBC UK Bank been in business?
The company was formed on 23 December 2015, and has held its current FCA authorisation since July 2017.
Has the FCA taken action against HSBC UK Bank?
Yes. The FCA register records 2 fines in 2024, £57.42m across 1 of the 2 that state an amount. The details are in the disciplinary section above, with links to the FCA's notices.
How many complaints does HSBC UK Bank get?
In January–June 2025, the Financial Ombudsman Service received 3,222 new complaints about HSBC UK Bank, and upheld 28% of those it decided.
Does HSBC UK Bank use any other names?
It trades as fd, fd bank, first direct, first direct bank and HSBC, and 5 more names. It has previously used the name HSBC UK RFB Limited.