FSCS deposit protection increased from £120,000 to £120,000 per person, per authorised institution, from 1 December 2025 (joint accounts: £240,000). Some figures below may not yet reflect this change. See our FSCS Protection UK 2026 guide for the current limit.
Bath Building Society: the facts (checked 24 September 2026)
| Item | Detail |
|---|---|
| Legal name | Bath Investment and Building Society, trading as Bath Building Society |
| Regulation | Authorised by the PRA and regulated by the FCA and PRA, register number 206026 |
| Ownership | A mutual: owned by its savers and borrowers (members), not shareholders |
| History | Started in 1904 as a friendly society; became a building society in the 1950s |
| Branches | Two, in Bath city centre and Oldfield Park; head office at 15 Queen Square, Bath BA1 2HN |
| Savings protection | Eligible deposits covered by the FSCS up to £120,000 per person |
| Known for | Niche mortgages, including student and older-borrower products, and local savings accounts |
Rates change often; check the society's own rate sheet before you apply.
Sources: Bath Building Society, about us · FCA Mutuals Public Register, Bath Investment and Building Society · FSCS, deposit protection limit rises to £120,000 (1 December 2025)
Bath Building Society operates as Bath Investment and Building Society, authorised and regulated by the FCA/PRA under Firm Reference Number 206026. This review covers its instant access savings account and regular saver account range, its position under the Financial Services Compensation Scheme, eligibility, and the customers it tends to suit, using verified information only.
What Bath Building Society is
The current range covers instant access savings account, regular saver account, cash isa, charity account (and other personal savings accounts). These are the products a new customer would actually encounter, and each carries its own terms around access, notice periods and eligibility that are worth reading before any money moves.
How it works
Savings products like these are funded by the customer depositing money, with returns paid as interest or, for Sharia-compliant providers, as an expected profit rate. Access depends on the account type: instant or easy access allows withdrawals on demand, while fixed-term and notice accounts trade flexibility for a higher headline rate.
Money held in eligible deposits is covered by the Financial Services Compensation Scheme, up to £120,000, which is the backstop that applies if an authorised deposit-taker fails. That cover is per eligible person and is worth checking against any other balances held with the same banking group.
The key consumer nuance
The nuance with Bath Building Society is less about the headline rate and more about access and protection: how quickly money can be withdrawn, whether the rate is fixed or variable, and how the deposit sits under FSCS rules. Those three points usually matter more than a small difference in advertised rate.
Who it suits
Regulation and protection
Bath Building Society is covered by UK financial regulation through Firm Reference Number 206026, which can be checked on the FCA register. That reference is the single most reliable way to confirm a firm is genuine before any money changes hands.
Eligible deposits are protected by the FSCS, up to £120,000. The limit applies per eligible person per authorised firm, so anyone holding larger balances should check how cover spreads across the wider banking group.
Guides for Bath Building Society |
Compare Bath Building Society against the market
Important information This article is for general information only and is not financial advice. Kaeltripton is not authorised by the Financial Conduct Authority and does not provide regulated advice or recommendations. Rates, products and eligibility change; always confirm details with the provider and the relevant regulator before acting. Kaeltripton is registered with the Information Commissioner's Office (ICO registration ZC135439). |
Regulator check
| FCA register number | 206026 (check on the FCA register) |
| Deposit protection | Eligible deposits with an authorised UK deposit taker are protected by the FSCS up to £120,000 per person per banking licence (limit raised from £85,000 on 1 December 2025). Brands sharing one licence share one limit. |
| Complaints | Complain to the firm first; after eight weeks or a final response, the Financial Ombudsman Service can review it free of charge. |
| Checked | 20 September 2026 |
Frequently asked questions
Is Bath Building Society FCA regulated?
Yes. The verified records show Bath Investment and Building Society authorised under Firm Reference Number 206026, which you can confirm on the FCA register.
Is my money with Bath Building Society FSCS protected?
Eligible deposits are protected by the FSCS, up to £120,000. The limit applies per eligible person per authorised firm, so check it against any other balances you hold in the same group.
What does Bath Building Society offer?
The verified range includes instant access savings account, regular saver account, cash isa. Always confirm current availability and terms on the official site.
Who is Bath Building Society best for?
It is positioned for uk retail savers (with regional/local member focus). Whether it suits you depends on your own amount, time horizon and existing arrangements.
How can I check Bath Building Society is genuine?
Search the firm on the FCA register at register.fca.org.uk and compare the contact details there with the official website. Never use links or numbers from unsolicited messages.
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