1766:
351:
175:
The first high street bank to launch in the UK in over 150 years. In 2019 it lost £800m (40%) of its company value as the result of an accounting error in which its commercial loans were misclassified. An investigation by the PRA resulted in the bank being fined £5.38m by the PRA in
December 2021. In
105:, set up their New Bank Start-up Unit which guides firms through the process from an expression of interest, through the application process, to 'authorisation with restrictions' if appropriate, and finally to those restrictions being lifted and the firm being granted a full banking license.
87:, was extremely expensive and time-consuming. This led to a very small number of banks dominating the UK market—the so-called Big Four—with virtually no competition at all. Indeed, when Metro Bank received their license in 2010, it was the first new high street bank for 100 years.
1204:
547:
628:
197:
terminated the ability to "passport" a
European banking licence, necessitating applying for a British banking licence to continue which N26 decided would be too complex and expensive.
766:
1197:
90:
In the wake of the 2008 financial crisis, it was decided to open the market up to new banks. After a period of consultation, the regulation to enable this formed part of the
1190:
488:
1832:
391:
286:
A UK financial technology company specialising in accounts for small and medium-sized businesses, offering FSCS protected bank accounts provided by ClearBank.
923:
822:
215:
655:
1055:
980:
953:
867:
1134:
575:
415:
738:
793:
603:
1803:
680:
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48:). As well as new entrants to the market, some challenger banks were created following divestment from larger banking groups (
526:
1822:
1082:
83:
Prior to changes in the regulatory landscape in the UK financial services industry, setting up a new bank, with a full UK
1213:
369:
28:
that compete directly with the longer-established banks in the UK, sometimes by specialising in areas underserved by the
1695:
464:
629:"A new approach to financial regulation: transferring consumer credit regulation to the Financial Conduct Authority"
1419:
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1222:
364:
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895:
1027:
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167:
109:
91:
1796:
1634:
1363:
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29:
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1607:
1424:
120:
This list contains companies that received authorisation from the PRA to operate as banks in the UK.
49:
1182:
278:
999:
848:
681:"A review of requirements for firms entering into or expanding in the banking sector: one year on"
425:
333:
1498:
1351:
429:
420:
452:
1827:
1789:
1567:
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1272:
516:
548:"As watchdogs approve CYBG and Virgin Money's merger, should the big five banks be worried?"
1683:
1309:
1295:
68:
53:
41:
8:
1777:
1582:
1429:
771:
493:
325:
710:
1708:
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1462:
304:
291:
95:
1701:
1577:
1278:
522:
460:
308:
1135:"Bank of London debuts as first new UK clearing bank in 250 years with global plans"
1109:"Inside the world of clearing banks: Is the Bank of London worth the 250 year wait?"
1672:
1665:
1658:
1652:
1612:
1373:
1304:
1060:
847:
Wiggins, Kaye; Venkataramakrishnan, Siddharth; Morris, Stephen (4 November 2021).
1735:
1622:
1617:
1510:
1383:
1345:
1246:
1056:"Britain just got a new digital bank and it's raising tens of millions of pounds"
1004:
580:
552:
395:
316:
193:
A German app-based bank which ceased to do business in the UK in April 2020. The
102:
84:
57:
269:
The former
Harrods Bank, founded in 1893, which was acquired in January 2018 by
1773:
1627:
1587:
1493:
1357:
1314:
900:
329:
300:
231:
1816:
1689:
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1160:
379:
261:
244:
202:
177:
61:
45:
1602:
1525:
1452:
1403:
1267:
868:"Number26 Grabs $ 10.6 Million To Bring Its Bank Of The Future To Everyone"
798:
532:
470:
356:
159:
75:
operations, that avoid the costs and complexities of traditional banking.
1397:
1368:
1319:
1284:
711:"Atom is the first of the new UK challenger banks out the gate — sort of"
660:
Harvard Law School Forum on
Corporate Governance and Financial Regulation
25:
739:"Monzo, a UK digital-only challenger bank, granted full banking license"
518:
The End of the
Experiment?: From Competition to the Foundational Economy
457:
Disruptive
Technologies for Business Development and Strategic Advantage
1714:
1597:
1547:
872:
743:
715:
253:
94:, which came into force on 1 April 2013. A summary and assessment from
1765:
767:"First high street bank 100 years, but will Metro Bank get a licence?"
656:"Financial Services Act 2012: A New UK Financial Regulatory Framework"
239:
Provides savings, business finance, property finance, personal loans.
101:
To assist new firms to enter the banking market, the PRA, part of the
1537:
1488:
1447:
1212:
224:
137:
1503:
1240:
1231:
1164:
1032:
823:"Bank of England fines Metro Bank $ 7 mln after accounting blunder"
67:
The banks distinguish themselves from the historic banks by modern
33:
1339:
927:
374:
270:
72:
981:"New UK mortgage lender Perenna offers 30-year fixed-rate deals"
846:
1391:
1028:"Legacy banks are fighting back against the Monzo insurrection"
924:"OakNorth gets banking licence, appoints Adair Turner to board"
311:
status upon debut, after achieving a valuation of over $ 1.1B.
194:
307:
set up in over 250 years, it is also the first bank to attain
108:
In July 2014, the PRA, together with their co-regulators, the
576:"Six challenger banks using IT to shake up UK retail banking"
150:
252:
Starling Bank was founded by former Allied Irish Banks COO,
1772:
This United
Kingdom bank or insurance-related article is a
1467:
1258:
37:
185:
489:"Are challenger banks the saviours of British banking?"
794:"Metro Bank shares crash after loans blunder revealed"
896:"German bank N26 blames Brexit as it pulls out of UK"
336:(NAB) in February 2016, when it was called CYBG plc.
112:
published a review of the requirements, one year on.
849:"Metro Bank receives takeover approach from Carlyle"
346:
1214:Commercial and retail banks in the United Kingdom
1083:"Four fintech trends to watch in 2022 and beyond"
1000:"UK 'challenger' banks plan listings worth £10bn"
1814:
998:Goff, Sharlene; Arnold, Martin (18 March 2014).
332:, and Virgin Money. It was originally set up by
1833:United Kingdom financial services company stubs
145:App-based bank offering savings and mortgages.
210:Provides business and property loans to SMEs.
1797:
1198:
1053:
893:
647:
162:has 9.3 million customers as of June, 2024.
521:. Manchester University Press. p. 92.
482:
480:
328:, which in turn trades as Clydesdale Bank,
115:
1804:
1790:
1205:
1191:
997:
708:
1025:
894:Williams-Grut, Oscar (11 February 2020).
394:as of 16 February 2021, by the
176:November 2021, it entered talks with the
1054:Williams-Grut, Oscar (1 December 2015).
921:
786:
621:
573:
477:
486:
450:
56:) or wind-down of a failed large bank (
1815:
1019:
865:
764:
601:
514:
1186:
978:
653:
545:
223:Providing 'fixed for life' long term
16:Small recently created UK retail bank
1760:
1161:"CYBG improves bid for Virgin Money"
1026:Moskvitch, Katia (7 February 2019).
820:
392:List of authorised UK start-up banks
180:concerning a possible takeover bid.
673:
370:List of banks in the United Kingdom
13:
979:Jones, Rupert (7 September 2023).
821:Cohn, Carolyn (22 December 2021).
736:
574:Flinders, Karl (21 January 2015).
273:startup Tandem Money and renamed.
158:One of the early app-based banks,
14:
1849:
954:"New banks authorised since 2013"
765:Wallop, Harry (1 February 2010).
487:Wallace, Tim (29 December 2015).
451:Zhuplev, Anatoly V., ed. (2018).
385:
195:UK's exit from the European Union
1764:
1420:National Savings and Investments
866:Dillet, Romain (16 March 2016).
604:"Metro bank granted FSA licence"
349:
1153:
1127:
1101:
1075:
1047:
991:
972:
946:
922:Scuffham, Matt (9 March 2015).
915:
887:
859:
840:
814:
758:
730:
702:
688:Prudential Regulation Authority
546:Moore, James (4 October 2018).
709:O'Hear, Steve (6 April 2016).
602:Wallop, Harry (5 March 2010).
595:
567:
539:
508:
444:
408:
1:
1679:Cambridge & Counties Bank
1223:Banking in the United Kingdom
654:Noked, Noam (24 March 2013).
401:
365:Banking in the United Kingdom
1776:. You can help Knowledge by
324:A holding company that owns
24:are small, recently created
7:
1823:Banks of the United Kingdom
459:. IGI Global. p. 106.
342:
303:. The second new principal
110:Financial Conduct Authority
92:Financial Services Act 2012
10:
1854:
1759:
78:
1746:UK Government Investments
1723:
1653:Arbuthnot Latham & Co
1643:
1476:
1438:
1425:UK Government Investments
1412:
1382:
1328:
1293:
1256:
1229:
1220:
116:List of challenger banks
98:can be accessed online.
1364:Holt's Military Banking
1139:InternationalInvestment
515:Bowman, Andrew (2014).
426:Oxford University Press
334:National Australia Bank
1499:Allied Irish Bank (GB)
1352:Royal Bank of Scotland
428:. 2017. Archived from
421:OxfordDictionaries.com
1521:The Co-operative Bank
1684:Close Brothers Group
1310:Birmingham Midshires
1296:Lloyds Banking Group
69:financial technology
54:Lloyds Banking Group
42:Lloyds Banking Group
1838:European bank stubs
1744:Partially owned by
1709:Rothschild & Co
1430:UK Asset Resolution
772:The Daily Telegraph
494:The Daily Telegraph
326:Clydesdale Bank plc
256:, in January 2014.
71:practices, such as
1593:Standard Chartered
1413:Wholly state-owned
1089:. 31 December 2021
934:on 26 January 2016
453:"Challenger Banks"
292:The Bank of London
96:Harvard Law School
1785:
1784:
1754:
1753:
1702:Kleinwort Hambros
1673:C. Hoare & Co
1644:Other commercial
1578:Secure Trust Bank
1279:HSBC Private Bank
1141:. 1 December 2021
1115:. 11 January 2022
960:. Bank of England
802:. 23 January 2019
635:. 16 January 2014
528:978-0-7190-9633-4
432:on 18 August 2017
416:"Challenger bank"
340:
339:
1845:
1806:
1799:
1792:
1768:
1761:
1666:Butterfield Bank
1659:Bank and Clients
1613:Unity Trust Bank
1583:Sainsbury's Bank
1440:Challenger banks
1374:Isle of Man Bank
1358:Messrs. Drummond
1346:Coutts & Co.
1305:Bank of Scotland
1207:
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1193:
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1061:Business Insider
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930:. Archived from
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844:
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216:Perenna Bank Plc
123:
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22:Challenger banks
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1848:
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1844:
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1813:
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1757:
1755:
1750:
1719:
1645:
1639:
1623:Clydesdale Bank
1511:Bank of Ireland
1472:
1434:
1408:
1384:Santander Group
1378:
1324:
1289:
1252:
1247:Barclays Wealth
1225:
1216:
1211:
1181:
1180:
1170:
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1142:
1133:
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1128:
1118:
1116:
1107:
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1092:
1090:
1087:FinTech Futures
1081:
1080:
1076:
1066:
1064:
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1038:
1036:
1024:
1020:
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1008:
1005:Financial Times
996:
992:
977:
973:
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961:
958:Bank of England
952:
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947:
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906:
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853:Financial Times
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819:
815:
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792:
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749:
747:
737:O’Hear, Steve.
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553:The Independent
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396:Bank of England
388:
355:
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103:Bank of England
85:banking licence
81:
17:
12:
11:
5:
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1794:
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1769:
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1728:Big Four banks
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1628:Yorkshire Bank
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1588:Shawbrook Bank
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1494:AIB Group (UK)
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901:Yahoo! Finance
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386:External links
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330:Yorkshire Bank
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1738:are shown in
1737:
1736:private banks
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1713:
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1690:Duncan Lawrie
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1635:Wesleyan Bank
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1573:Reliance Bank
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1553:Kent Reliance
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1484:Al Rayan Bank
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1469:
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1458:Starling Bank
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1331:NatWest Group
1327:
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1265:
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1261:
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1259:HSBC Holdings
1255:
1249:
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1242:
1241:Barclays Bank
1239:
1238:
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1234:
1233:
1228:
1224:
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1201:
1196:
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1189:
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1167:. 3 June 2018
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633:UK Government
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716:TechCrunch
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168:Metro Bank
30:"big four"
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500:18 August
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