List of banks in the United Kingdom
Independent British retail banks
The table shows the main independent British retail banks, in order of market capitalisation. The list is quite short as British banking has been highly consolidated since the early 20th century. Unlike some other major economies, the UK does not have a major stratum of independent local banks. The list shrank further during 2008: Northern Rock was nationalised by the UK Government, followed by Bradford & Bingley; Alliance & Leicester was acquired by Santander, who merged it into Santander UK.On 18 September 2008, Lloyds TSB plc entered into a confirmed agreement to take over HBOS plc, which took effect on 19 January 2009, when HBOS was acquired and folded into Lloyds Banking Group.
| Bank | Headquarters | Market value As of 31 May 2019 | Total assets As of 31 Dec 2018 |
| HSBC Holdings | London, England | 131 | 1,998 |
| Lloyds Banking Group† | London, England | 40 | 794 |
| NatWest Group†† | Edinburgh, Scotland | 26.2 | 691 |
| Barclays | London, England | 25 | 873 |
| Standard Chartered | London, England | 22.4 | 540 |
The retail and commercial banking markets are dominated by HSBC, Barclays, Lloyds Banking Group, NatWest Group and Spanish-owned Santander UK. The fifth major UK-based bank, Standard Chartered, operates primarily in Asia and Africa.
There are a number of banking businesses owned by retail groups, such as:
- Post Office Money, a trading name used by Post Office Ltd for its branded financial products, most of which are provided by Bank of Ireland
- Sainsbury's Bank, owned by British supermarket company Sainsbury's.
- Tesco Bank, owned by British supermarket company Tesco.
Banks incorporated in the UK
| Name of bank | Parent company | Location of headquarters |
| Abbey National Treasury Services plc | The Santander Group | Spain |
| ABC International Bank plc | Arab Banking Corporation | Bahrain |
| The Access Bank UK Limited | Access Bank Group | Nigeria |
| ADIB Ltd | Abu Dhabi Islamic Bank | United Arab Emirates |
| Ahli United Bank plc | Ahli United Bank | Bahrain |
| AIB Group plc | Allied Irish Banks | Republic of Ireland |
| Al Rayan Bank plc | Masraf Al Rayan | Qatar |
| Aldermore Bank plc | FirstRand | South Africa |
| Alliance Trust Savings Limited | Alliance Trust | Scotland |
| Alpha Bank London Limited | Alpha Bank | Greece |
| ANZ Bank Limited | Australia and New Zealand Banking Group | Australia |
| Arbuthnot Latham & Co Limited | Arbuthnot Banking Group | England |
| Atom Bank plc | Independently run | England |
| Axis Bank UK Limited | Axis Bank | India |
| Bank and Clients plc | Ocean Industries S.A. | Luxembourg |
| Bank Leumi plc | Bank Leumi | Israel |
| Bank Mandiri Limited | Bank Mandiri | Indonesia |
| Bank of America Merrill Lynch International Limited | Bank of America | United States of America |
| Bank of Baroda | Government of India | India |
| Bank of Beirut Ltd | Bank of Beirut | Lebanon |
| Bank of Ceylon Ltd | Bank of Ceylon | Sri Lanka |
| Bank of China Ltd | Bank of China | China |
| Bank of Communications Limited | Bank of Communications | China |
| Bank of Cyprus UK Limited | Bank of Cyprus | Cyprus |
| Bank of India | Government of India | India |
| Bank of Ireland Plc | Bank of Ireland | Republic of Ireland |
| Bank of London and The Middle East plc | Independently run | England |
| The Bank of New York Mellon Limited | The Bank of New York Mellon | United States of America |
| Bank of Scotland plc | Lloyds Banking Group | Scotland |
| Bank of the Philippine Islands plc | Bank of the Philippine Islands | Philippines |
| Bank Saderat plc | Bank Saderat Iran | Iran |
| Bank Sepah International plc | Bank Sepah | Iran |
| Barclays Bank plc | Barclays | England |
| BFC Bank Ltd | BFC Group Holdings W.L.L. | Bahrain |
| BIRA Bank Ltd | Independently run | England |
| BMCE Bank International plc | BMCE Bank International | England |
| British Arab Commercial Bank plc | British Arab Commercial Bank | England |
| Brown Shipley & Co Limited | KBL European Private Bankers | Luxembourg |
| C. Hoare & Co | Independently run | England |
| CAF Bank Ltd | Independently run | England |
| Cambridge & Counties Bank Limited | 50% by Trinity Hall, a Cambridge University college, and 50% by Cambridgeshire Local Government Pension Scheme | England |
| Cater Allen Limited | Santander Group | Spain |
| Charity Bank Limited | Independently run | England |
| Charter Court Financial Services Limited | Independently run | England |
| China Construction Bank Limited | China Construction Bank | China |
| CIBC World Markets plc | CIBC World Markets | Canada |
| ClearBank Ltd | Independently run | England |
| Close Brothers Limited | Close Brothers Group | England |
| Clydesdale Bank plc | Virgin Money UK plc | England |
| The Co-operative Bank plc | Independently run | England |
| Coutts & Company | NatWest Group | Scotland |
| Credit Suisse Limited | Credit Suisse | Switzerland |
| Credit Suisse International | Credit Suisse | Switzerland |
| Crown Agents Bank Limited | Helios Investment Partners | England |
| DB UK Bank Limited | Deutsche Bank | Germany |
| Diamond Bank plc | Diamond Bank | Nigeria |
| Duncan Lawrie Limited | Camellia plc | England |
| EFG Private Bank Limited | EFG International | Switzerland |
| Europe Arab Bank plc | Arab Bank | Jordan |
| FBN Bank Ltd | First Bank of Nigeria | Nigeria |
| FCE Bank plc | Ford Motor Credit Company | United States of America |
| FCMB Bank Limited | First City Monument Bank | Nigeria |
| Gatehouse Bank plc | Independently run | England |
| GE Capital Bank Limited | GE Capital | United States of America |
| Ghana International Bank plc | Independently run | England |
| Goldman Sachs International Bank | Goldman Sachs | United States of America |
| Guaranty Trust Bank Limited | Guaranty Trust Bank | Nigeria |
| Gulf International Bank Limited | Gulf International Bank | Bahrain |
| Habib Bank Zurich Plc | Habib Bank AG Zurich | Switzerland |
| Habibsons Bank Limited | Habib Bank Limited | Pakistan |
| Hampden & Co Plc | Independently run | Scotland |
| Hampshire Trust Bank Plc | Independently run | England |
| Havin Bank Ltd | Independently run | England |
| HSBC Bank Plc | HSBC | England |
| HSBC Private Bank Limited | HSBC | England |
| HSBC Trust Company Ltd | HSBC | England |
| ICBC plc | Industrial and Commercial Bank of China | China |
| ICBC Standard Bank Plc | Industrial and Commercial Bank of China | China |
| ICICI Bank UK Plc | ICICI Bank | India |
| Investec Bank PLC | Investec | South Africa |
| Itau BBA International PLC | Itaú Unibanco | Brazil |
| J.P. Morgan Europe Limited | J.P. Morgan | England |
| J.P. Morgan International Bank Limited | J.P. Morgan | England |
| J.P. Morgan Securities plc | J.P. Morgan | England |
| Jordan International Bank Plc | The Housing Bank for Trade and Finance | Jordan |
| Julian Hodge Bank Limited | Independently run | Wales |
| Kexim Bank Ltd | Export–Import Bank of Korea | South Korea |
| Kingdom Bank Ltd | Assemblies of God Property Trust | England |
| SG Kleinwort Hambros Bank Limited | Société Générale | France |
| Kookmin Bank International Limited | KB Kookmin Bank | South Korea |
| Lloyds Bank Plc | Lloyds Banking Group | England |
| Lloyds Bank Private Banking Limited | Lloyds Banking Group | England |
| Macquarie Bank International Ltd | Macquarie Group | Australia |
| Marks & Spencer Financial Services Plc | HSBC Bank plc | England |
| Masthaven Bank Limited | Independently run | England |
| Melli Bank plc | Bank Melli Iran | Iran |
| Methodist Chapel Aid Limited | Independently run | England |
| Metro Bank PLC | Independently run | England |
| MUFG | Mitsubishi UFJ Financial Group, Inc. | Japan |
| Mizuho International Plc | Mizuho Financial Group | Japan |
| Monzo Bank Ltd | Independently run | England |
| Morgan Stanley Bank International Limited | Morgan Stanley | United States of America |
| National Bank of Egypt Limited | National Bank of Egypt | Egypt |
| National Bank of Kuwait Plc | National Bank of Kuwait | Kuwait |
| National Westminster Bank Plc | NatWest Group | England |
| Nomura Bank International Plc | Nomura Group | Japan |
| Northern Bank Limited | Danske Bank | Denmark |
| Northern Trust Global Services Ltd | Northern Trust | United States of America |
| OakNorth Bank Limited | Independently run | England |
| OneSavings Bank Plc | OneSavings Bank | England |
| Paragon Bank Plc | Paragon Banking Group | England |
| PCF Group Plc | Independently run | England |
| Persia International Bank Plc | Bank Mellat | Iran |
| Philippine National Bank Plc | Philippine National Bank | Philippines |
| Punjab National Bank Limited | Punjab National Bank | India |
| QIB Plc | Qatar Islamic Bank | Qatar |
| R. Raphael & Sons Plc | Lenlyn Holdings Plc | England |
| Rathbone Investment Management Limited | Independently run | England |
| RBC Europe Limited | RBC Capital Markets | Canada |
| Reliance Bank Ltd | Independently run | England |
| Royal Bank of Scotland Plc, The | NatWest Group | Scotland |
| Sainsbury's Bank Plc | Independently run | Scotland |
| Santander UK Plc | The Santander Group | Spain |
| Schroder & Co Ltd | Independently run | England |
| Scotiabank Europe Plc | Scotiabank | Canada |
| Scottish Widows Bank Plc | Lloyds Banking Group | Scotland |
| Secure Trust Bank Plc | Independently run | England |
| Shawbrook Bank Limited | Independently run | England |
| Smith & Williamson Investment Services Limited | Independently run | England |
| Sonali Bank Limited | 51% of the shares are held by Bangladesh Government and 49% by Sonali Bank Ltd, Bangladesh | Bangladesh |
| Standard Chartered Bank | Independently run | England |
| Starling Bank Limited | Independently run | England |
| State Bank of India | State Bank of India Group | India |
| Sumitomo Mitsui Banking Corporation Europe Limited | Sumitomo Mitsui Financial Group | Japan |
| Tandem Bank Limited | Tandem Money Limited | England |
| TD Bank Europe Limited | Toronto-Dominion Bank | Canada |
| Tesco Personal Finance Plc | Independently run | England |
| TSB Bank plc | Banco Sabadell | Spain |
| Turkish Bank Ltd | The Turkish Bank Group | Turkey |
| UBS Limited | UBS | Switzerland |
| Ulster Bank Ltd | NatWest Group | Ireland |
| Union Bank of India Limited | Union Bank of India | India |
| Union Bank UK Plc | Union Bank of Nigeria | Nigeria |
| United National Bank Limited | United Bank | Pakistan |
| United Trust Bank Limited | Independently run | England |
| Unity Trust Bank Plc | Independently run | England |
| Vanquis Bank Limited | Provident Financial | England |
| Virgin Money | Virgin Money UK plc | England |
| VTB Capital plc | VTB Bank | Russia |
| Weatherbys Bank Limited | Weatherbys | England |
| Wesleyan Bank Limited | Wesleyan Assurance Society | England |
| Westpac Europe Ltd | Westpac | Australia |
| Wyelands Bank Plc | GFG Alliance | England |
| Yorkshire Bank | Virgin Money UK plc | England |
| Zenith Bank Limited | Zenith Bank | Nigeria |
There is also a government-run savings bank called National Savings and Investments.
The other main class of consumer financial service organisation in the United Kingdom is the building society, but the building society sector is much smaller than it used to be as many major building societies demutualised in the 1980s and 1990s and there has also been ongoing consolidation via mergers between societies. Halifax and Abbey were the two largest building societies. The remaining building societies which demutualised have all subsequently lost their independence, either through nationalisation or acquisition by other banks. See Building society for a list of the remaining building societies. Out of the remaining building societies, only Nationwide would be large enough to appear in the above table if it were a bank.
UK retail banking brands owned by foreign banks
- Allied Irish Bank and First Trust Bank, owned by AIB Group of the Republic of Ireland
- Al Rayan Bank, owned by Masraf Al Rayan of Qatar
- Axis Bank UK, owned by Axis Bank of India
- Bank of Ceylon, owned by Bank of Ceylon of Sri Lanka
- Bank of Baroda, owned by Bank of Baroda of India
- Bank of China, owned by Bank of China
- Bank of India, owned by Bank of India
- Bank Sepah International plc, owned by Bank Sepah of Iran
- FCMB Bank Limited, owned by First City Monument Bank of Nigeria
- Zenith Bank, owned by Zenith Bank of Nigeria
- Bank of Ireland UK, owned by Bank of Ireland of the Republic of Ireland; one of the leading banks in Northern Ireland, and present in Great Britain to a lesser extent
- Citibank, owned by Citigroup of the United States
- ICBC plc, by Industrial and Commercial Bank of China
- ICICI Bank, owned by ICICI Bank of India
- Danske Bank, owned by Danske Bank of Denmark
- Punjab National Bank, owned by Punjab National Bank of India
- Santander UK, owned by Santander Group of Spain
- SEB, owned by Skandinaviska Enskilda Banken, Sweden
- Silicon Valley Bank UK, owned by Silicon Valley Bank of the United States
- State Bank of India, owned by State Bank of India
- Svenska Handelsbanken, UK Branch
- The Bank of East Asia, UK Branch
- TSB Bank, part of Sabadell Group, headquartered in Spain
- Union Bank of India Ltd, owned by Union Bank of India of India
- United Bank UK, owned by United Bank Limited of Pakistan