Financial Services
Compensation Scheme (FSCS)

How FSCS protects your money

As an FCA-regulated firm, Alliance Trust Savings is covered by the Financial Services Compensation Scheme (FSCS). The FSCS is an independent body and is there to protect your money.

If a regulated firm fails to meet its financial obligations, the FSCS can pay compensation. Along with cash deposits, they protect a wide range of other financial products and services such as investments, pensions and financial advice.

The current FSCS compensation limits that are applicable to money held by Alliance Trust Savings are:

  • £85,000 for cash deposits, per individual or company
  • £85,000 for investments, per individual

The deposit compensation limit applies to individuals and companies, not accounts. This means that for joint accounts, the limit applies to each named account holder. Each account holder can make a claim for up to £85,000, for a total of up to £170,000.

For Investment business the FSCS can pay compensation if the firm concerned has failed and cannot return your investments or money owed, and you lose money because of:

  • bad or misleading investment advice
  • negligent management of investments
  • misrepresentation, or
  • fraud

It does not pay compensation if your investment does not perform as well as you hoped.

Find out more

Compensation Statement

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FSCS Information sheet

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You can contact the FSCS at:

Financial Services Compensation Scheme,
10th Floor,
Beaufort House,
15 St Botolph Street,
020 7741 4100 or 0800 678 1100 or alternatively at

Alliance Trust Savings Limited is registered in Scotland No. SC 98767, registered office, PO Box 164, 8 West Marketgait, Dundee DD1 9YP; is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, firm reference number 116115. Alliance Trust Savings Limited gives no financial or investment advice. ‘Alliance Trust Savings’, ‘ATS’ and 'AT Savings' are all brand names of Alliance Trust Savings Limited together with the ‘Alliance Trust Savings’ logo are owned by and used with the permission of Alliance Trust PLC, the previous owner of Alliance Trust Savings Limited.