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Well, if your bank or building society goes belly up now, and was regulated by the Financial Services Authority (which they would generally be in this country, but worth checking), provided you have less than ?35k in a deposit account, you will get all your money back via the Financial Services Compensation Scheme.


If you are lucky to have more savings than that, it might not hurt to split them between different banks so that all accounts have less than the maximum in.


More info at : http://www.fscs.org.uk/consumer/ - including how to tell whether your bank is regulated by the FSA / covered by the FSCS.

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