BankConductIndex

Firms

Firms with at least five published banking decisions. An uphold rate is only shown once a firm has thirty banking decisions with a recorded outcome.

FirmBanking decisionsUphold rate
Bank of Scotland Plc7,74917.5%
Santander UK Plc7,37525.4%
Lloyds Bank PLC6,82318.0%
Barclays Bank Plc6,13822.2%
Barclays Bank UK PLC6,12927.9%
National Westminster Bank Plc5,98620.3%
HSBC UK Bank Plc4,48831.6%
Nationwide Building Society4,26625.2%
HSBC Bank plc3,67618.1%
Revolut Limited3,29124.3%
TSB Bank plc2,68131.4%
MONZO BANK LIMITED2,44833.2%
NewDay Ltd2,09446.2%
Clydesdale Bank Plc1,80925.6%
Tesco Personal Finance Limited1,36932.9%
Vanquis Bank Limited1,17723.0%
Shawbrook Bank Limited1,16316.9%
MBNA Limited1,16216.1%
American Express Services Europe Limited1,02926.3%
Capital One (Europe) plc96219.2%
Casheuronet UK LLC96080.9%
Metro Bank PLC88239.1%
Co-operative Bank Financial Advisers Limited86125.0%
Starling Bank Limited82029.3%
Halifax Limited81817.4%
MONEYBARN NO.1 LIMITED77217.6%
NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY72118.0%
Creation Consumer Finance Limited68056.2%
Wise Payments Limited65723.1%
Shop Direct Finance Company Limited64326.7%
Black Horse Limited61825.2%
Gain Credit LLC61149.6%
Madison CF UK Limited60133.8%
WDFC UK Limited58982.7%
Loans 2 Go Limited58462.3%
Bank of Ireland (UK) Plc58328.5%
Everyday Lending Limited58364.2%
Volkswagen Financial Services (UK) Limited58134.1%
Sainsbury's Bank Plc51532.6%
Clydesdale Financial Services Limited50718.7%
BMW Financial Services(GB) Limited46337.1%
PDL Finance Limited46256.3%
Provident Personal Credit Limited46037.4%
Virgin Money plc41025.4%
Zopa Bank Limited40031.0%
NRAM Limited39129.9%
Lending Stream Limited38471.6%
Mercedes-Benz Financial Services UK Limited37134.5%
Elevate Credit International Limited36081.4%
MotoNovo Finance Limited34646.0%
Uncle Buck Finance LLP34370.8%
J.P. Morgan Europe Limited34234.2%
MEM Consumer Finance Limited33775.7%
Lloyds TSB Bank Plc33412.3%
National Savings and Investments32935.3%
Yorkshire Building Society32728.4%
Mitsubishi HC Capital UK Plc32323.2%
Close Brothers Limited31846.2%
Lendable Ltd31322.4%
Santander Consumer (UK) Plc30842.5%
MARKS AND SPENCER FINANCIAL SERVICES PLC30225.2%
MYJAR Limited29656.8%
PayPal Europe Sarl & Cie, SCA29641.6%
Experian Limited29421.1%
PayPal UK Ltd29024.8%
Oakbrook Finance Limited28816.3%
Equifax Limited28735.9%
Morses Club Limited28255.3%
Oodle Financial Services Limited27626.4%
RBS Collective Investment Funds Limited25721.0%
Instant Cash Loans Limited25155.4%
Evergreen Finance London Limited24460.2%
Startline Motor Finance Limited24445.9%
Avantcredit Of Uk, Llc23073.0%
J.D. WILLIAMS & COMPANY LIMITED22138.9%
Moneybarn Limited21531.6%
Mortgage Express21327.7%
Creation Financial Services Limited21350.7%
Northern Rock (Asset Management) plc20927.8%
CURO TRANSATLANTIC LIMITED20876.4%
PSA Finance UK Limited20641.3%
Erudio Student Loans Limited20540.0%
Ulster Bank Ltd20213.9%
Blue Motor Finance Limited20047.5%
Advantage Finance Limited19720.3%
Western Circle Limited19656.6%
FirstRand Bank Limited19537.9%
Cheltenham & Gloucester plc17210.5%
Secure Trust Bank Plc17033.5%
Bamboo Limited17038.2%
Kensington Mortgage Company Limited16932.0%
Advanced Payment Solutions Limited16866.7%
FCE Bank Plc16834.5%
Hitachi Capital (UK) Plc16728.7%
Active Securities Limited16381.0%
Home Retail Group Card Services Limited16222.8%
The Royal Bank of Scotland Plc15717.8%
ClearBank Limited15551.6%
PrePay Technologies Limited15546.5%
Specialist Motor Finance Limited15440.9%
RCI Financial Services Limited15338.6%
Topaz Finance Limited15234.9%
Healthcare Finance Limited15151.0%
TFS Loans Limited14981.2%
Link Financial Outsourcing Limited14932.9%
WorldPay (UK) Limited14717.7%
PayPal Sarl & Cie, SCA14718.4%
Leeds Building Society14722.4%
Cabot Credit Management Group Limited14519.3%
Sunny Marketing Ltd14491.7%
Lowell Portfolio I Limited14428.5%
Next Retail Limited13916.5%
Skipton Building Society13928.8%
Lex Autolease Limited13831.9%
Arrow Global Limited13644.1%
TRANSUNION INTERNATIONAL UK LIMITED13469.4%
Studio Retail Limited12948.8%
John Lewis Financial Services Limited12932.6%
Northern Bank Limited12627.0%
Ikano Bank AB (publ)12631.7%
FIRST RESPONSE FINANCE LIMITED12619.8%
Legal & General Partnership Services Limited12535.2%
Motability Operations Limited12518.4%
Connells Limited12244.3%
Amigo Loans Ltd11625.9%
UK Credit Limited10948.6%
Indigo Michael Limited10772.0%
Kroo Bank Ltd10753.3%
PayrNet Limited10570.5%
AIB Group (UK) Plc10219.6%
Accord Mortgages Limited10233.3%
Skrill Limited10127.7%
Fairscore Ltd10025.0%
JAJA FINANCE LTD10029.0%
Elderbridge Limited10049.0%
Chetwood Financial Limited9927.3%
Ald Automotive Limited9831.6%
LeasePlan UK Limited9833.7%
Telefonica UK Limited9753.6%
West Bromwich Mortgage Company Limited972.1%
Zempler Bank Limited9550.5%
Capquest Debt Recovery Limited9444.7%
Paragon Bank Plc9419.1%
Lowell Financial Ltd9310.8%
Pepper (UK) Limited9329.0%
Target Servicing Limited9074.4%
Zopa Limited8939.3%
Coventry Building Society8911.2%
Stagemount Limited8859.1%
PRA Group (UK) Limited8817.0%
Landmark Mortgages Limited8731.0%
Arval UK Limited8637.2%
GE Money Home Lending Limited8614.0%
GE Money Consumer Lending Limited848.3%
Valour Finance Limited8125.9%
Toyota Financial Services (UK) Plc8031.3%
Wage Day Advance Limited8065.0%
Go Car Credit Limited8026.3%
Firstplus Financial Group Plc7912.7%
Welcome Loans Limited7996.2%
First Holiday Finance Limited789.0%
Admiral Financial Services Limited7724.7%
Harvey & Thompson Limited7646.1%
Santander Cards UK Limited7636.8%
Cash On Go Limited7552.0%
Frasers Group Financial Services Limited7554.7%
GMAC UK Plc7443.2%
The Co-operative Bank Plc7416.2%
Aldermore Bank Plc7424.3%
Omni Capital Retail Finance Limited7331.5%
Blemain Finance Limited7231.9%
Caversham Finance Limited7058.6%
OneSavings Bank Plc7044.3%
MoneyGram International Limited7032.9%
Express Gifts Limited6939.1%
Think Money Limited6937.7%
PROPEL HOLDINGS (UK) LIMITED6823.5%
R. Raphael & Sons Limited6740.3%
CA AUTO FINANCE UK LTD6741.8%
Citibank UK Limited6747.8%
First Data Europe Limited6744.8%
FUND OURSELVES LIMITED6728.4%
Coutts & Company6616.7%
Novaloans Ltd.6643.9%
Tide Platform Limited6549.2%
Shop Direct Financial Services Limited6535.4%
Quidie Limited6451.6%
Hyundai Capital UK Limited6442.2%
Tandem Motor Finance Limited6248.4%
Al Rayan Bank PLC6237.1%
Wirecard Card Solutions Limited6160.7%
Sesame Limited6023.3%
Countrywide Principal Services Limited6028.3%
Jigsaw Finance Limited5945.8%
Vacation Finance Limited593.4%
EE Limited5954.2%
Ferratum UK Ltd.5954.2%
Retail Money Market Ltd5942.4%
ZILCH TECHNOLOGY LIMITED5944.1%
Aviva Equity Release UK Limited5812.1%
Vauxhall Finance plc5851.7%
Carcashpoint Limited5756.1%
Bradford & Bingley Limited5536.4%
Argos Limited5416.7%
Secret Eye Limited5396.2%
Harrington Brooks (Accountants) Limited5330.2%
UCB Home Loans Corporation Ltd5226.9%
Advancis Limited5286.5%
Paymentsense Limited5242.3%
Shelby Finance Ltd5223.1%
MKDP LLP5113.7%
Post Office Limited5127.5%
Paratus AMC Limited5022.0%
Openwork Limited5034.0%
Marsh Finance Limited5056.0%
TM Advances Limited4961.2%
Virgin Media Mobile Finance Limited4928.6%
Raedex Consortium Limited4998.0%
FCA Automotive Services UK Ltd4932.7%
DJS (UK) Limited4944.9%
Cabot Financial (Europe) Limited4926.5%
Lantern Debt Recovery Services Limited4928.6%
Loans Direct UK Limited49100.0%
Stellantis Financial Services UK Limited4955.1%
Amazon Payments UK Limited4816.7%
Tandem Bank Limited4717.0%
Southern Pacific Mortgage Limited4746.8%
S.D. Taylor Limited4774.5%
Inclusive Finance Limited4753.2%
Oakam Ltd4757.4%
New Wave Capital Limited4731.9%
Charter Court Financial Services Limited4617.4%
Microcredit Limited4687.0%
Vodafone Limited4637.0%
Progressive Money Limited4671.7%
Plata Finance Limited4520.0%
Hoist Finance UK Limited4537.8%
Mortgage Advice Bureau Limited4443.2%
Billing Finance Limited4420.5%
Klarna Bank AB (publ)4452.3%
Platform Home Loans Ltd4434.1%
Curve UK Limited4443.2%
Oplo PL Ltd4450.0%
Brent Shrine Credit Union Limited4330.2%
Cynergy Bank Limited4327.9%
Sky UK Limited4238.1%
West Bromwich Building Society4216.7%
Cfo Lending Limited4257.1%
Rooftop Mortgages Limited429.5%
Paragon Finance Plc4112.2%
Mortgages Plc4119.5%
1plus1 Loans Limited4072.5%
ICICI Bank UK Plc4020.0%
Short Term Finance Limited4097.5%
Principality Building Society3928.2%
Mi Vehicle Finance Limited3844.7%
First Complete Limited3745.9%
Greenlight Credit Ltd3773.0%
TransferWise Ltd378.1%
Banque PSA Finance3721.6%
NEO Media Solutions Limited3781.1%
Preferred Mortgages Limited3622.2%
Swift Advances Plc3613.9%
GPUK LLP3511.4%
Sygma Banque3537.1%
N.I.I.B. Group Limited3458.8%
Newcastle Building Society3318.2%
Handelsbanken plc3333.3%
Premium Credit Limited3215.6%
Tandem Personal Loans Ltd3225.0%
Financial Limited3221.9%
Mortgage Agency Services Number Five Limited3148.4%
The Mortgage Business Plc316.5%
HFC Bank Limited3119.4%
Key Retirement Solutions Limited319.7%
Cater Allen Limited3119.4%
Capital Home Loans Limited3116.1%
Mobile Money Limited3138.7%
Caledonian Consumer Finance Ltd3016.7%
Everyday Loans Limited3050.0%
Match the Cash Limited3053.3%
Apfin Ltd29—
Welcome Financial Services Limited29—
Epayments Systems Ltd29—
Foundation for Credit Counselling28—
Morgan Stanley Bank International Limited28—
Stripe Payments UK Limited28—
Evolution Lending Limited28—
ACI-UK LIMITED28—
Alphabet (GB) Limited27—
HiFX Europe Limited27—
Intrum UK Limited27—
Gresham Insurance Company Limited26—
Aviva Life & Pensions UK Limited26—
Citibank International Limited26—
Atom Bank PLC26—
1st Credit Limited26—
APS Financial Limited26—
Nextcredit Limited26—
Redstone Mortgages Limited25—
Paysafe Financial Services Limited25—
Remitly U.K., Ltd.25—
Prestige Finance Limited25—
Secure Trust Bank Public Limited Company24—
Citibank Europe plc24—
ONMO Limited24—
Salary Finance Limited23—
Freemans Plc23—
Cumberland Building Society23—
Idem Capital Securities Limited23—
Moneyplus Group Limited23—
London Community Credit Union Limited23—
Wirex Limited23—
Contis Financial Services Limited23—
Aviva Life Services UK Limited23—
Moorcroft Debt Recovery Limited23—
Merchant Rentals Limited23—
Funding Circle Ltd22—
Swift 1st Limited22—
Honda Finance Europe Plc22—
Oakwood Homeloans Limited22—
Everest Limited22—
DSG Retail Limited22—
WorldPay Limited22—
GE Money Home Finance Limited22—
Callcredit Limited22—
Citifinancial Europe Limited22—
AutoMoney Limited22—
Robinson Way Limited21—
NCO Europe Limited21—
Nottingham Building Society21—
Inventive Finance Limited21—
East End Fair Finance Limited21—
Wescot Credit Services Limited21—
Baines & Ernst Limited21—
Arnold Clark Automobiles Limited21—
N26 Bank GmbH21—
Daniel Chandler Limited21—
BW Legal Services Limited20—
Allied Irish Banks Plc20—
Yorkshire Bank Home Loans Limited20—
SLL Capital Limited20—
Emergency Cash Limited20—
Modulr FS Limited20—
Motormile Finance UK Limited20—
St. James's Place Wealth Management Plc20—
State Bank Of India (UK) Limited20—
Amplifi Capital (U.K.) Limited20—
Kapama Limited20—
PSI-Pay Ltd20—
Debt Managers (Services) Limited19—
Carnegie Consumer Finance Limited19—
247 Money Group Limited19—
Uncle Buck Payday Loans LLP19—
TANDEM HOME LOANS LIMITED19—
Temple Finance Limited19—
Trusted Cash Limited19—
Caxton FX Ltd19—
Pockit Limited19—
The Mortgage Works (UK) Plc19—
Tesco Mobile Limited19—
Allium Money Limited19—
State Bank of India19—
Clear Score Technology Limited19—
CB Payments Ltd18—
3J Finance Limited18—
First Rate Exchange Services Ltd18—
Elavon Financial Services Designated Activity Company18—
Lenvi Servicing Limited18—
Credit Resource Solutions Limited17—
NewDay Cards Ltd17—
Salad Finance Limited17—
Investec Bank PLC17—
American Express Payment Services Limited17—
Clear View Finance Limited17—
Web Loan Processing Limited17—
LEASYS UK LTD17—
Personal Touch Financial Services Limited17—
Cheque Centres Limited17—
Service Insurance Company Limited17—
Totemic Limited16—
Gregory Pennington Limited16—
Currencies Direct Limited16—
Skyline Direct Limited16—
Moorgate Loan Servicing Limited16—
Butler-Do Ltd16—
Hutchison 3G UK Limited16—
Godiva Mortgages Limited16—
Hillesden Securities Limited16—
Amber Homeloans Limited16—
Grattan Plc16—
FGA Capital UK Limited16—
SRC Transatlantic Limited16—
MMP Financial Limited16—
Iwoca Ltd16—
Platinum Options Limited15—
Nemo Personal Finance Limited15—
V12 Retail Finance Limited15—
Fleet Mortgages Ltd15—
PREPAID FINANCIAL SERVICES LIMITED15—