BANK COLLAPSE? You’re Only Protected If You Know THIS

NEW FSCS LIMIT: £120,000 PROTECTION EXPLAINED — Are Your Savings Safe?

From 1st December 2025, the Financial Services Compensation Scheme (FSCS) is increasing its protection limit from £85,000 to £120,000 per person, per firm — but this update doesn’t protect everyone.

In this video, we break down:
✔ What the new FSCS limit means for your savings
✔ Who is actually protected — and who isn’t
✔ The dangers of unregulated platforms, crypto exchanges & overseas providers
✔ How shared banking licences can silently expose your money
✔ What FSCS does cover (bank collapse, platform failure)
✔ What FSCS does NOT cover (market losses, volatility, crypto, poor decisions)

If your bank collapsed tomorrow… would your money be safe?
This video gives you the clear, simplified breakdown that every UK saver and investor needs to understand.

⭐ WHAT YOU’LL LEARN IN THIS VIDEO

FSCS protection rules for UK banks, building societies & investment platforms

How to check if your money is held with an FCA-authorised, FSCS-eligible firm

Real-life examples of who the new limit helps — and who stays unprotected

Why spreading money across regulated firms protects you

Why the FSCS increase is great news for long-term financial security


📩 NEED HELP CHECKING IF YOUR BANK, PENSION, OR INVESTMENT PLATFORM IS COVERED?

Message us — our team at Heathcote Financial Planning can check this for you quickly and clearly so you know exactly where you stand.
[email protected]
@heatcotefinancialplanning

🎓 EDUCATIONAL PURPOSE ONLY

This video is for education and general information only. It does not constitute financial advice.
Always speak with a qualified financial adviser before making decisions relating to pensions, investments, mortgages or protection planning.



⚠️ RISK WARNING

Your home may be repossessed if you do not keep up repayments on your mortgage.

Please ensure you fully understand the features and risks of a lifetime mortgage before proceeding. We can provide you with a personalised illustration to help you make an informed decision.

Some Buy to Let and Commercial mortgages are not regulated by the Financial Conduct Authority (FCA).

Protection plans have no cash-in value at any time and will cease at the end of the term. If premiums are not maintained, you may not be covered should a claim be made. (Cover is subject to underwriting, terms and conditions, and exclusions may apply.)

Investments carry risk. The value of investments and the income from them can fall as well as rise due to market and economic conditions, including currency movements. You may get back less than you originally invested. Past performance is not a reliable indicator of future results.

Tax treatment depends on individual circumstances and may change in the future.

FSCS protection applies only to UK-authorised firms and does not cover market losses or crypto assets.



Company registration: Heathcote Financial Planning is a trading style of The Mortgage and Protection Partnership Ltd, authorised and regulated by the Financial Conduct Authority (No: 612049). Registered address: Olympus House, Olympus Park, Quedgeley GL2 4NF. Company No: 08734287.

#FSCS2025update
#moneyprotection
#fcaregulated
#ukbankingsafety