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FINANCIAL INSTITUTION INFORMATION PLATFORM

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Verify with the source.Wherever possible, information is matched against official registers and primary sources.
When was it checked?We clearly show when each critical piece of data was last checked.
Know the type of information.We classify user complaints, company statements and official records separately.
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HOW IT WORKS

See the level of evidence
on every institution profile.

Instead of ratings, we show the data, its source and its verification status.

  1. 01Data
  2. 02Source
  3. 03Verification
A

Sample Financial Institution

Broker · United Kingdom

Last checked: 23.09.2026
REGULATIONOfficial record verified

The licence number and scope are matched directly against the regulator’s source.

● Official source
USER FEEDBACKRecurring topics

Topics such as withdrawals, support and trading conditions are grouped by period.

● Verified platform record
COMPANY STATEMENTData disclosed by the company

The company’s own statements are shown separately from independent verification.

● Statement
← Home

Tandem Bank

Bank · United Kingdom

About the company

Legal company nameTandem Bank Limited
Year founded2014
Headquarters / registered countryBlackpool, United Kingdom
Websitewww.tandem.co.uk
Last checked08.10.2026

According to its official website, Tandem Bank is Tandem Bank Limited, trading as Tandem, which launched in 2014 as one of the UK's original digital challenger banks; its registered office is in Blackpool. The site states that Tandem bought Harrods Bank in 2018, acquired Allium Lending Group in 2020, merged with Oplo in 2022 and acquired Loop in 2023. Through its app the bank offers instant access and fixed rate Cash ISAs, an Instant Access Saver and a Fixed Term Saver; through brokers and partners it provides home improvement loans, motor finance, home loans and mortgages, and says some deposits support greener lending such as solar panels and low-emission vehicles. According to the Bank of England list and the FCA register, the bank is authorised by the PRA and regulated by the FCA and the PRA; the site states that deposits are protected up to GBP 120,000 by the FSCS. This information is the company's own statement.

Account Details

ACCOUNT TYPESInstant access savings account · Fixed term savings account · Cash ISA
MIN. DEPOSITNot stated
PLATFORMSTandem mobile app
PRODUCTSSavings accounts · Cash ISAs · Home improvement loans · Motor finance · Home loans · Mortgages

Licences and regulation

FCA (United Kingdom)

Licence no.FRN 204479
Licence holderTandem Bank Limited
ScopeAuthorised by the PRA to accept deposits according to the Bank of England list of 1 Oct 2026; listed in the FCA register under Tandem Bank Limited (FRN 204479), regulated by the FCA and the PRA.
StatusVerified

User complaints

User reports found online are classified by topic. The charts show how reports are distributed; the reports are compiled from records on platforms that verify users and screen out fake reviews.

Period reviewed: March 2025 – October 2026

  • Customer support: 29
  • Account / trading conditions: 24
  • Other: 20
  • Withdrawal / payment: 16
  • Identity verification: 5

No. 89 for most complaints among 520 institutions.

RANK BY TOPIC — Customer support: 13. · Account / trading conditions: 144. · Other: 13. · Withdrawal / payment: 139. · Identity verification: 90.

SOURCES REVIEWED

The complaint distribution is based on the latest 1-star reviews on the Tandem Bank Trustpilot page (94) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the Tandem Bank name are left out. Across the complaints, difficulty reaching customer service by phone, email and live chat, delayed ISA transfers and funds made inaccessible by app problems, and faulty-vehicle disputes under motor finance stand out.

Sources and verification history

Official company sourcestandem.co.uk — homepage, About us, Instant Access Saver, Fixed Saver and FSCS Protection pages, footer
Regulator recordsBank of England PRA bank list (1 Oct 2026) · FCA — Tandem Bank Limited, FRN 204479 (register.fca.org.uk)
Company registerCompanies House — Tandem Bank Limited, company no 00955491
User feedback sourcesTrustpilot · Şikayetvar · WikiFX
Last verified08.10.2026

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