What we offer

Accounts

Bank of London offers a range of account structures designed to meet the operational, regulatory, and technical needs of modern businesses.

What do you need?

From day-to-day cash management to FCA-compliant client money segregation, our accounts provide the flexibility, security, and API access required to run and scale your operations.

‍Client money accounts
Ensure compliance with CASS, SRA, and CMP regulation through a pooled account, with the option to utilise vIBAN’s per customer for enhanced reconciliation.

Eligible deposits covered by FSCS protection.

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Safeguarding accounts
Ensure compliance with FCA Safeguarding requirements through a pooled account, with the option to utilise vIBAN’s per customer for enhanced reconciliation.

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Deposit accounts‍

Earn competitive interest rates, FSCS-protected, while all deposits are held securely at the Bank of England.

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Operating accounts
Next-generation banking designed to give you full control over your operational cash flow and financial operations with agile instant access, secure transfers, and smart domestic payment options in real-time.

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Payments

Real-time access to payment infrastructure and interbank networks though API or Online Banking

faster payments

Clear up to £1m per transaction in real-time with instant payments 24/7/365, supporting immediate or forward-dated payments via Online Banking or Payments API.

See API documentation
Bacs

Clear up to £20m in Direct Debit and Direct Credit transactions, with a 3-day settlement Monday to Friday, initiated via Payments API or online banking.

See API documentation
CHAPS

Clear high-value transactions in real-time with same-day settlement, Monday to Friday, via Online Banking or Payments API.

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See API documentation
Payments, Clearing and Settlement

Confirmation of Payee

With Confirmation of Payee, we verify account names before payments, reducing errors and ensuring funds reach and come from the correct account.

Safe and Secure

At the Bank of London, your deposits are kept 100% at the Bank of England. That means your funds remain fully protected at all times.

Peace of mind with FSCS protection

The Financial Services Compensation Scheme (FSCS) is the United Kingdom’s independent deposit guarantee scheme, and it protects eligible deposits with authorised banks, like ours.
Download the factsheet