Coutts & Company

FRN: 122287
Date authorised: 1 April 2013
Companies House: 00036695
Last scraped: 6 days ago

Addresses

The contact details this firm has registered with the FCA.

Principal Place of Business

440 Strand

London

WC2R 0QS

UNITED KINGDOM

Phone

+4402077531000

Web

https://www.coutts.com
Complaints Contact

440 Strand

London

WC2R 0QS

UNITED KINGDOM

Phone

+4402077531000

What this firm is allowed to do

The regulated activities the FCA has granted this firm permission to carry out.

Bank Deposits

For All, Deposit
Buy-to-Let Mortgage Admin
Buy-to-Let Mortgage Advice
Buy-to-Let Mortgage Arranging
Buy-to-Let Mortgage Lending
Mortgage Servicing

For Customer, Regulated mortgage contract
P2P Lending Advice

For Retail (Investment), Professional, Eligible Counterparty, Retail (Non-Investment Insurance), Commercial
Pension Transfer Advice

For Retail (Investment), Unit, Stakeholder pension scheme, Rights to or interests in investments (Security), Life Policy, Rights to or interests in investments (Contractually Based Investments), Personal pension scheme
Show 2 limitations Hide limitations
- · This activity is limited to the provision of advice in relation to the conversion or transfer of benefits from: i) pension policies with a Guaranteed Annuity Rate (for the avoidance of doubt, this includes policies which are retirement annuity contracts with a minimum guaranteed income, where that income satisfies limb (b) of the Glossary definition of Guaranteed Annuity Rate); ii) defined contribution occupational schemes without safeguarded benefits.
- · Investment activity in "rights to or interests in investments (security)" and "rights to or interests in investments (contractually based investment)" is limited to the investment types granted for this activity.
Land Loan Advice
Investment Advice (no pensions)

For Retail (Investment), Professional, Eligible Counterparty, Retail (Non-Investment Insurance), Commercial, Structured Deposits, Share, Debenture, Government and public security, Warrant, Certificates representing certain security, Unit, Stakeholder pension scheme, Rights to or interests in investments (Security), Option (excluding a commodity option and an option on a commodity future), Commodity option and option on commodity future, Future (excluding a commodity future and a rolling spot forex contract), Commodity Future, Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet), Spread Bet, Rolling spot forex contract, Life Policy, Funeral plan contract, Rights to or interests in investments (Contractually Based Investments), Non-investment insurance contracts, Personal pension scheme
Show 1 limitation Hide limitations
- · Investment activity in "rights to or interests in investments (security)" and "rights to or interests in investments (contractually based investment)" is limited to the investment types granted for this activity.
Mortgage Advice

For Customer, Regulated mortgage contract
Authorised to Operate
Show 1 limitation Hide limitations
- · The firm can only agree to carry on the regulated activities specified in this Notice.
Arranges Investments

For Retail (Investment), Professional, Eligible Counterparty, Retail (Non-Investment Insurance), Commercial, Structured Deposits, Share, Debenture, Government and public security, Warrant, Certificates representing certain security, Unit, Stakeholder pension scheme, Rights to or interests in investments (Security), Option (excluding a commodity option and an option on a commodity future), Commodity option and option on commodity future, Commodity Future, Future (excluding a commodity future and a rolling spot forex contract), Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet), Spread Bet, Rolling spot forex contract, Life Policy, Funeral plan contract, Rights to or interests in investments (Contractually Based Investments), Non-investment insurance contracts, Personal pension scheme
Show 1 limitation Hide limitations
- · Investment activity in "rights to or interests in investments (security)" and "rights to or interests in investments (contractually based investment)" is limited to the investment types granted for this activity.
Mortgage Arranging

For Customer, Regulated mortgage contract
Arranges Asset Safekeeping

For Retail (Investment), Professional, Eligible Counterparty, Share, Debenture, Government and public security, Warrant, Certificates representing certain security, Unit, Stakeholder pension scheme, Rights to or interests in investments (Security), Option (excluding a commodity option and an option on a commodity future), Commodity option and option on commodity future, Future (excluding a commodity future and a rolling spot forex contract), Commodity Future, Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet), Spread Bet, Rolling spot forex contract, Life Policy, Funeral plan contract, Rights to or interests in investments (Contractually Based Investments), Personal pension scheme
Show 1 limitation Hide limitations
- · Investment activity in "rights to or interests in investments (security)" and "rights to or interests in investments (contractually based investment)" is limited to the investment types granted for this activity.
Insurance Admin

For Retail (Non-Investment Insurance), Commercial, Non-investment insurance contracts
Trade Settlement Routing

For Retail (Investment), Professional, Eligible Counterparty, Share, Debenture, Government and public security, Warrant, Certificates representing certain security, Unit, Rights to or interests in investments (Security)
Show 1 limitation Hide limitations
- · Investment activity in "rights to or interests in investments (security)" is limited to the investment types granted for this activity.
Credit Brokering
Stockbroking

For Retail (Investment), Professional, Eligible Counterparty, Retail (Non-Investment Insurance), Commercial, Structured Deposits, Share, Debenture, Government and public security, Warrant, Certificates representing certain security, Unit, Stakeholder pension scheme, Rights to or interests in investments (Security), Option (excluding a commodity option and an option on a commodity future), Commodity option and option on commodity future, Future (excluding a commodity future and a rolling spot forex contract), Commodity Future, Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet), Spread Bet, Rolling spot forex contract, Life Policy, Funeral plan contract, Rights to or interests in investments (Contractually Based Investments), Non-investment insurance contracts, Personal pension scheme
Show 1 limitation Hide limitations
- · Investment activity in "rights to or interests in investments (security)" and "rights to or interests in investments (contractually based investment)" is limited to the investment types granted for this activity.
Trades With You Directly

For Retail (Investment), Professional, Eligible Counterparty, Share, Debenture, Government and public security, Warrant, Certificates representing certain security, Unit, Stakeholder pension scheme, Rights to or interests in investments (Security), Option (excluding a commodity option and an option on a commodity future), Commodity option and option on commodity future, Future (excluding a commodity future and a rolling spot forex contract), Commodity Future, Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet), Spread Bet, Rolling spot forex contract, Life Policy, Funeral plan contract, Rights to or interests in investments (Contractually Based Investments), Personal pension scheme
Show 1 limitation Hide limitations
- · Investment activity in "rights to or interests in investments (security)" and "rights to or interests in investments (contractually based investment)" is limited to the investment types granted for this activity.
Debt Plan Admin
Debt Collection
Debt Advice
Mortgage Lending

For Customer, Regulated mortgage contract
Consumer Loans
Loan Servicing
Mortgage Setup

For Customer, Regulated mortgage contract
Investment Setup

For Retail (Investment), Professional, Eligible Counterparty, Retail (Non-Investment Insurance), Commercial, Structured Deposits, Share, Debenture, Government and public security, Warrant, Certificates representing certain security, Stakeholder pension scheme, Rights to or interests in investments (Security), Unit, Option (excluding a commodity option and an option on a commodity future), Commodity option and option on commodity future, Future (excluding a commodity future and a rolling spot forex contract), Commodity Future, Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet), Spread Bet, Rolling spot forex contract, Life Policy, Funeral plan contract, Rights to or interests in investments (Contractually Based Investments), Non-investment insurance contracts, Personal pension scheme
Show 1 limitation Hide limitations
- · Investment activity in "rights to or interests in investments (security)" and "rights to or interests in investments (contractually based investment)" is limited to the investment types granted for this activity.
Manages Your Portfolio

For Retail (Investment), Professional, Eligible Counterparty, Structured Deposits, Share, Debenture, Government and public security, Warrant, Certificates representing certain security, Unit, Stakeholder pension scheme, Rights to or interests in investments (Security), Option (excluding a commodity option and an option on a commodity future), Commodity option and option on commodity future, Future (excluding a commodity future and a rolling spot forex contract), Commodity Future, Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet), Spread Bet, Rolling spot forex contract, Life Policy, Funeral plan contract, Rights to or interests in investments (Contractually Based Investments), Personal pension scheme
Show 1 limitation Hide limitations
- · Investment activity in "rights to or interests in investments (security)" and "rights to or interests in investments (contractually based investment)" is limited to the investment types granted for this activity.
Holds Your Assets

For Retail (Investment), Professional, Eligible Counterparty, Share, Debenture, Government and public security, Warrant, Certificates representing certain security, Unit, Stakeholder pension scheme, Rights to or interests in investments (Security), Option (excluding a commodity option and an option on a commodity future), Commodity option and option on commodity future, Future (excluding a commodity future and a rolling spot forex contract), Commodity Future, Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet), Spread Bet, Rolling spot forex contract, Life Policy, Funeral plan contract, Rights to or interests in investments (Contractually Based Investments), Personal pension scheme
Show 1 limitation Hide limitations
- · Investment activity in "rights to or interests in investments (security)" and "rights to or interests in investments (contractually based investment)" is limited to the investment types granted for this activity.
Electronic Trade Settlement

For Retail (Investment), Professional, Eligible Counterparty, Share, Debenture, Government and public security, Warrant, Certificates representing certain security, Unit, Rights to or interests in investments (Security)
Show 1 limitation Hide limitations
- · Investment activity in "rights to or interests in investments (security)" is limited to the investment types granted for this activity.

Approved individuals

Senior staff personally approved by the FCA to hold their roles here.

Paul John Cecil
IRN PXC00018
- (1536)[FCA CF] Manager of certification employee (1 May 2022 to 13 Nov 2024)
- (1535)[PRA CF] Significant risk taker or Material risk taker (1 Jan 2020 to 1 Jul 2020)
Paul Kevin Brooks
IRN PKB01043
- (135)CF30 Customer (2 Apr 2008 to 4 Apr 2012)
Paul Michael Clements
IRN PMC01112
- (391)[FCA CF] Manager of certification employee (since 7 Mar 2016)
- (1083)[FCA CF] Functions requiring qualifications (7 Mar 2016 to 29 Oct 2019)
- (1080)CF30 Customer (1 Nov 2007 to 19 Nov 2012)
- (1082)CF21 Investment Adviser (7 Jan 2005 to 31 Oct 2007)
- (1081)CF22 Investment Adviser (Trainee) (4 Dec 2003 to 7 Jan 2005)
Paul Michael Gomme
IRN PMG01116
- (8)CF30 Customer (21 Apr 2015 to 5 Sep 2015)
Paul Millar
IRN PXM01650
- (1485)CF30 Customer (1 Nov 2007 to 12 Aug 2008)
- (1487)CF21 Investment Adviser (24 Aug 2007 to 24 Aug 2007)
- (1486)CF22 Investment Adviser (Trainee) (24 Aug 2007 to 31 Oct 2007)
Paul O'Hara
IRN PXO01140
- (242)[FCA CF] Manager of certification employee (15 Feb 2019 to 17 Jul 2019)
Paul Pascal Di Mucci
IRN PPD00006
- (2450)[FCA CF] Functions requiring qualifications (7 Mar 2016 to 30 Jun 2020)
- (2449)CF30 Customer (20 Mar 2013 to 6 Mar 2016)
Paul Richardson
IRN PXR00239
- (902)[FCA CF] Manager of certification employee (since 20 Jan 2025)
- (901)[FCA CF] Client dealing (since 4 Nov 2021)
- (2761)[FCA CF] Manager of certification employee (5 Jun 2023 to 19 Oct 2023)
Paul Robert Bray
IRN PRB00030
- (2331)[FCA CF] Manager of certification employee (3 Apr 2018 to 18 Jun 2020)
- (2332)[FCA CF] Functions requiring qualifications (7 Mar 2016 to 17 Feb 2026)
- (2330)CF30 Customer (20 Nov 2007 to 6 Mar 2016)
Paul Robertshaw
IRN PXR00009
- (1030)[PRA CF] Significant risk taker or Material risk taker (since 1 Jan 2020)

Recent activity

Updates to this firm's record on the FCA register.

6 days ago
controlled function added: (1302)SMF4 Chief Risk
6 days ago
controlled function added: (1301)SMF16 Compliance Oversight
6 days ago
controlled function added: (1300)[PRA CF] Significant risk taker or Material risk taker
6 days ago
controlled function added: (1299)[PRA CF] Significant risk taker or Material risk taker
6 days ago
controlled function added: (1298)[FCA CF] Manager of certification employee
6 days ago
controlled function added: (1297)SMF18 Other Overall Responsibility
6 days ago
controlled function added: (1296)SMF7 Group Entity Senior Manager
6 days ago
controlled function added: (1295)SMF2 Chief Finance
6 days ago
controlled function added: (1294)SMF24 Chief Operations
6 days ago
controlled function added: (1293)SMF18 Other Overall Responsibility

What it all means

A quick guide to the terms on this page.

The FCA: The Financial Conduct Authority is the UK's regulator for banking, lending, insurance, investments and payments. Any firm offering these services has to be authorised by the FCA.
Permissions: The specific regulated activities a firm is allowed to carry out, like advising on insurance, lending money or arranging investments. Anything outside this list isn't covered.
Approved individuals: Senior staff (directors, compliance officers and similar) have to be approved by the FCA personally before they can take up the role. They're held accountable for the firm's conduct.
Appointed representatives: Smaller firms can do regulated business under another firm's authorisation rather than getting their own. The bigger firm (the 'principal') is legally on the hook for what they do.

Information on this page is sourced from the official FCA register.