OneSavings Bank PLC: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 15 years
Your funds are protected by FSCS
No FCA actions
Active company since 2010
79 Ombudsman complaints in January–June 2025

Website, phone number and address

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.

Website

osb.co.uk (opens in a new tab)
Phone number

01634 848944
Address

O S B House, Quayside, Chatham Maritime, Chatham, Medway, ME4 4QZ, United Kingdom

In the full report: 3 background checks

When osb.co.uk first appeared online, and whether it can receive email
What kind of line 01634 848944 is
Who else gives the postcode ME4 4QZ

Other names (18)

If you were contacted under any of these names, it is this firm.

Guernsey Home Loans Trading name: A name it trades under now.
Heritable Trading name: A name it trades under now.
Heritable Development Finance Trading name: A name it trades under now.
Interbay Trading name: A name it trades under now.
Interbay Asset Finance Trading name: A name it trades under now.
Interbay Commercial Trading name: A name it trades under now.
Jersey Home Loans Trading name: A name it trades under now.
Kent Reliance Trading name: A name it trades under now.
Kent Reliance Banking Services Trading name: A name it trades under now.
Kent Reliance for Intermediaries Trading name: A name it trades under now.
Kent Reliance Property Loans Trading name: A name it trades under now.
KRBS Trading name: A name it trades under now.
KRFI Trading name: A name it trades under now.
OSB Trading name: A name it trades under now.
Reliance Property Loans Trading name: A name it trades under now.
Rely Trading name: A name it trades under now.
Rely Mortgages Trading name: A name it trades under now.
Rochester Mortgages Trading name: A name it trades under now.

FCA permissions and consumer protection

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

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

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025: 79
upheld, against a 31% median: 26%
about banking and credit: 42

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.

Company number: 07312896 (opens Companies House in a new tab)
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)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
David Avery Weymouth	Director	May 1955	1 Sep 2017	24 other companies
Simon Walker	Director	Feb 1959	4 Jan 2022	None
Kalvinder Atwal	Director	Sep 1971	7 Feb 2023	7 other companies
Henry James Daubeney	Director	Oct 1963	1 Jul 2024	None
Victoria Jane Sullivan-Hyde	Director	Jun 1976	23 Jul 2024	14 other companies
Sally Ann Jones-Evans	Director	Jul 1966	1 Apr 2025	8 other companies
Gareth Hoskin	Director	Sep 1960	1 Apr 2025	2 other companies
Robert James Mackenzie Bulloch	Director	Dec 1961	1 Apr 2026	2 other companies
Enrique Alvarez Labiano	Director	Dec 1978	1 Sep 2026	5 other companies
Jason Stanley Elphick	Secretary	Not published	15 Jul 2016	–

Other companies run by these 9 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: 50
closed down: 5
are FCA-registered: 19

In the full report: all 50 companies, named

What each company does, and whether it is still trading
Which of these 9 directors sit on each board, and since when
Any that went into liquidation or administration
The 19 on the FCA register, including one no longer authorised
The 2 companies these 9 directors run together
All 39 people who have ever been directors, with their dates

Key dates in its history

OneSavings Bank’s history from the FCA register and Companies House, newest first.

Key events (6) All events (100)

2020

30 November 2020

Osb Group PLC took control (75–100% of shares)

Companies House

2013

1 April 2013

Regulated by the FCA from this date
Regulated by the Prudential Regulation Authority from this date

FCA register

2011

1 February 2011

Regulated by the Financial Services Authority from this date
Became authorised by the FCA

FCA register · Companies House

2010

13 July 2010

Incorporated at Companies House

Companies House

In the full report: all 100 events

All 100 events in its history (6 shown here)
Every director appointment and resignation: 69

Firms connected to OneSavings Bank

Other FCA-listed firms that share a director, phone number or address with OneSavings Bank. A link shows who the firm is tied to, not whether either can be trusted.

connected firms: 9
share a director: 9
past links: 3

In the full report: all 9 connected firms, named

How each is linked: shared directors (9)
Who links each one: the named directors, with dates
3 past links through former directors

Firms like OneSavings Bank

Other firms of the same type (bank or building society), nearest first.

In the Medway (ME) postcode area

Caf Bank LimitedWest MallingAuthorised Medway Credit Union LimitedGillinghamAuthorised

Elsewhere in the UK

Marks and Spencer Financial Services PLCChesterSee the register Santander UK PLCLondonAuthorised Monzo Bank LimitedLondonAuthorised HSBC UK Bank PLCBirminghamAuthorised

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 OneSavings Bank

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

50 other companies its directors have run, named
3 background checks on its contact details
All 100 events in its history
9 connected firms, named, and who links them

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Frequently asked questions about this firm

Is OneSavings Bank PLC FCA authorised?

Yes, OneSavings Bank PLC (FRN 530504) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2011 and works as a bank or building society. The FCA has placed no limits on its permissions.

What is OneSavings Bank’s phone number and website?

The FCA register lists the phone number 01634 848944 and the website osb.co.uk for OneSavings Bank. If you were given different contact details, use these to check with the firm before going any further.

Is OneSavings Bank a scam or clone?

OneSavings Bank is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.

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.

Who owns OneSavings Bank?

OneSavings Bank is owned by Osb Group PLC, which holds 75–100% of shares and 75–100% of votes, since 30 November 2020.

Who runs OneSavings Bank?

Companies House lists 9 directors of OneSavings Bank: David Avery Weymouth, Simon Walker, Kalvinder Atwal, Henry James Daubeney, Victoria Jane Sullivan-Hyde, Sally Ann Jones-Evans and 3 more.

How long has OneSavings Bank been in business?

The company was formed on 13 July 2010, and has held its current FCA authorisation since February 2011.

How many complaints does OneSavings Bank get?

In January–June 2025, the Financial Ombudsman Service received 79 new complaints about OneSavings Bank, and upheld 26% of those it decided.

Does OneSavings Bank use any other names?

It trades as Guernsey Home Loans, Heritable, Heritable Development Finance, Interbay and Interbay Asset Finance, and 13 more names.