Tandem Bank Limited

Reference number: 204479

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Authorised by the FCA

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

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.

In the full report: 3 background checks

  • When tandem.co.uk first appeared online, and whether it can receive email
  • What kind of line 01253 603951 is, and the 4 other firms that give it
  • Who else gives the postcode FY4 2FB
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Other names (2)

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

  • Tandem Trading name
  • Harrods Bank Ltd Former name

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.
  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • 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 (13 permissions)
  • Accepting Deposits
  • Acting as a CBTL administrator
  • Acting as a CBTL advisor
  • Acting as a CBTL lender
  • Administering a regulated mortgage contract
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) regulated mortgage contracts
  • Dealing in investments as principal
  • 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
  • Providing Credit Information Services

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
00955491
Company status
Active
Company type
Private limited company
Incorporated
4 June 1969 (57 years old)
Registered office
Viscount Court, Sir Frank Whittle Way, Blackpool, FY4 2FB, England
Nature of business
  • Banks (SIC 64191)

Directors and company secretaries

Name Role Born Appointed Other companies
Matthew James Gary Potter Director Sep 1983 31 Mar 2022 18 other companies
Malcolm Graham Mccaig Director May 1955 29 Jun 2023 27 other companies
Aileen Wallace Director Dec 1970 1 Nov 2023 12 other companies
Patrick Hatfield Carey Director May 1983 28 Mar 2024 5 other companies
Imran Gulamhuseinwala Director Aug 1974 30 May 2024 1 other company
Ryan Heaps Director Dec 1985 26 Jun 2025 5 other companies
Neil Chandler Director Sep 1971 30 Jun 2025 11 other companies
Stephen Jones Director Jul 1964 6 Jan 2026 1 other company
Clive Kornitzer Director Nov 1964 16 Feb 2026 1 other company
Marriam Malik Secretary Not published 31 Jul 2024 –

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
67
closed down
10
went insolvent
7

In the full report: all 67 companies, named

  • What each company does, and whether it is still trading
  • Which of these 9 directors sit on each board, and since when
  • The 7 that went into liquidation or administration
  • The 22 on the FCA register, including 2 no longer authorised
  • The 8 companies these 9 directors run together
  • All 55 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (10) All events (112)

2018

12 January 2018

  • Changed its registered name from "Harrods Bank Ltd"

FCA register

10 January 2018

  • Tandem Money Limited took control (75–100% of shares)

Companies House

3 January 2018

  • Harrods Group (Holding) Limited gave up control

Companies House

2016

16 April 2016

  • Harrods Group (Holding) Limited 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

2001

1 December 2001

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

FCA register

1998

1 June 1998

  • Regulated by the Financial Services Authority from this date

FCA register

1969

4 June 1969

  • Incorporated at Companies House

Companies House

In the full report: all 112 events

  • All 112 events in its history (10 shown here)
  • Every director appointment and resignation: 98
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Firms connected to Tandem Bank

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

connected firms
5
share a director
5
share its phone number
4

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (5), the same phone number (4), the same postcode (1)
  • Who links each one: the named directors, with dates
  • 7 past links through former directors
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Firms like Tandem Bank

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

In Blackpool

Blackpool, Fylde & Wyre Credit Union LimitedBlackpoolAuthorisedFirst Rate Credit Union LimitedBlackpoolAuthorised

Elsewhere in the UK

Wells Fargo Bank, National AssociationLondonAuthorisedCredit Suisse (UK) LimitedLondonAuthorisedUBS AGLondonAuthorisedDB UK Bank LimitedLondonAuthorised

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 Tandem Bank

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

  • 67 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 112 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Tandem Bank Limited FCA authorised?
Yes, Tandem Bank Limited (FRN 204479) 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 no limits on its permissions.
What is Tandem Bank’s phone number and website?
The FCA register lists the phone number 01253 603951 and the website tandem.co.uk for Tandem 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 4 other FCA firms.
Is Tandem Bank a scam or clone?
Tandem 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 Tandem Bank?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Tandem Bank to the Financial Ombudsman Service, free of charge.
Who owns Tandem Bank?
Tandem Bank is owned by Tandem Money Limited, which holds 75–100% of shares and 75–100% of votes, since 10 January 2018. Before that, it was controlled by Harrods Group (Holding) Limited.
Who runs Tandem Bank?
Companies House lists 9 directors of Tandem Bank: Matthew James Gary Potter, Malcolm Graham McCaig, Aileen Wallace, Patrick Hatfield Carey, Imran Gulamhuseinwala, Ryan Heaps and 3 more.
How long has Tandem Bank been in business?
The company was formed on 4 June 1969, and has held its current FCA authorisation since December 2001.
Does Tandem Bank use any other names?
It trades as Tandem. It has previously used the name Harrods Bank Ltd.

Sources and links

The full report on Tandem Bank Limited

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