THE ROYAL BANK OF SCOTLAND PUBLIC LIMITED COMPANY

FRN: 114724
Date authorised: 1 April 2013
Companies House: SC083026
Last scraped: 4 days ago

Addresses

The contact details this firm has registered with the FCA.

Principal Place of Business

36 St. Andrew Square

Edinburgh

Midlothian

EH2 2YB

UNITED KINGDOM

Phone

+4403457242424

Web

https://www.rbs.co.uk
Complaints Contact

Customer Relations

Freepost

Chatham

Kent

ME4 9DP

UNITED KINGDOM

Phone

+448001510404

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
Pension Transfer Advice

For Retail (Investment), Rights to or interests in investments (Contractually Based Investments), Unit, Rights to or interests in investments (Security), Stakeholder pension scheme, Life Policy, Personal pension scheme
Show 2 limitations 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.
- · 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.
Land Loan Advice
Investment Advice (no pensions)

For Retail (Non-Investment Insurance), Retail (Investment), Professional, Eligible Counterparty, Spread Bet, Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet), Commodity Future, Non-investment insurance contracts, Future (excluding a commodity future and a rolling spot forex contract), Commodity option and option on commodity future, Option (excluding a commodity option and an option on a commodity future), Certificates representing certain security, Warrant, Government and public security, Rolling spot forex contract, Debenture, Structured Deposits, Share, Unit, Stakeholder pension scheme, Rights to or interests in investments (Security), 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.
Mortgage Advice

For Customer, Regulated mortgage contract
Authorised to Operate
Arranges Investments

For Retail (Non-Investment Insurance), Retail (Investment), Professional, Eligible Counterparty, Non-investment insurance contracts, Rights to or interests in investments, 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.
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), 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 Eligible Counterparty, Professional, Retail (Non-Investment Insurance), Retail (Investment), Structured Deposits, Rolling spot forex contract, Spread Bet, Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet), Commodity Future, Non-investment insurance contracts, Future (excluding a commodity future and a rolling spot forex contract), Commodity option and option on commodity future, Option (excluding a commodity option and an option on a commodity future), Funeral plan contract, Rights to or interests in investments (Security), Rights to or interests in investments (Contractually Based Investments), Unit, Stakeholder pension scheme, Certificates representing certain security, Warrant, Government and public security, Debenture, Share, Personal pension scheme, Life Policy
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 Eligible Counterparty, Professional, Retail (Investment), Spread Bet, Commodity Future, Commodity option and option on commodity future, Rights to or interests in investments (Contractually Based Investments), Unit, Funeral plan contract, Rights to or interests in investments (Security), Stakeholder pension scheme, Certificates representing certain security, Warrant, Government and public security, Life Policy, Debenture, Share, Personal pension scheme, Rolling spot forex contract, 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), Option (excluding a commodity option and an option on a commodity future)
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
Consumer Hire
Mortgage Lending

For Customer, Regulated mortgage contract
Consumer Loans
Consumer Hire Servicing
Loan Servicing
Digital Money

For All, Issuing Electronic Money
Mortgage Setup

For Customer, Regulated mortgage contract
Investment Setup

For Retail (Non-Investment Insurance), Retail (Investment), Professional, Eligible Counterparty, Non-investment insurance contracts, Rights to or interests in investments, 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.
Manages Your Portfolio

For Professional, Eligible Counterparty, Retail (Investment), Structured Deposits, Spread Bet, Contract for Differences (excluding a spread bet and, a rolling spot forex contract and a binary bet), Commodity Future, Future (excluding a commodity future and a rolling spot forex contract), Commodity option and option on commodity future, Rights to or interests in investments (Contractually Based Investments), Funeral plan contract, Option (excluding a commodity option and an option on a commodity future), Certificates representing certain security, Rights to or interests in investments (Security), Stakeholder pension scheme, Warrant, Government and public security, Debenture, Rolling spot forex contract, Life Policy, Personal pension scheme, Unit, Share
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.
Credit Score Services
Show 1 limitation Hide limitations
- · This permission is limited to not carrying out credit repair services
Holds Your Assets

For Retail (Investment), Professional, Eligible Counterparty, Share, Debenture, Government and public security, Certificates representing certain security, Unit, Warrant, 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.

Mark Martin Rennison
IRN MMR01042
- (1530)SMF7 Group Entity Senior Manager (since 1 Sep 2023)
Mark McCracken Bailie
IRN MMB01026
- (2032)[FCA CF] Material risk taker (26 Jun 2018 to 31 Aug 2020)
- (2031)SMF18 Other Overall Responsibility (18 Aug 2016 to 3 Apr 2018)
Mark McDevitt
IRN MXM48839
- (1699)[FCA CF] Functions requiring qualifications (17 Jul 2019 to 18 Apr 2023)
Mark Mitchell
IRN MXM37255
- (51)[FCA CF] Material risk taker (1 Dec 2017 to 11 Jul 2019)
Mark Penny
IRN MXP00192
- (657)[FCA CF] Manager of certification employee (24 Dec 2020 to 4 Nov 2021)
Mark Platt
IRN MXP00015
- (1171)[PRA CF] Significant risk taker or Material risk taker (1 Jan 2020 to 5 Oct 2020)
Mark Roger Brant
IRN MXB01112
- (672)[FCA CF] Significant management (since 1 Jul 2023)
- (670)[PRA CF] Significant risk taker or Material risk taker (since 17 Mar 2023)
- (671)[FCA CF] Manager of certification employee (since 17 Mar 2023)
Mark Simon Pedley
IRN MXP90594
- (1188)[PRA CF] Significant risk taker or Material risk taker (12 Sep 2023 to 20 Jun 2025)
- (1189)[FCA CF] Manager of certification employee (28 Jul 2020 to 3 Sep 2022)
Mark Spurin
IRN MRS01206
- (279)[FCA CF] Material risk taker (2 Apr 2018 to 31 Dec 2020)
Mark Steven Foster
IRN MSF00006
- (451)[FCA CF] Functions requiring qualifications (20 Jun 2018 to 22 Nov 2019)
- (450)CF30 Customer (11 Nov 2013 to 6 Mar 2016)

Recent activity

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

4 days ago
controlled function added: (1226)[FCA CF] Functions requiring qualifications
4 days ago
controlled function added: (1225)[FCA CF] Manager of certification employee
4 days ago
controlled function added: (1224)20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
4 days ago
controlled function added: (1223)[FCA CF] Functions requiring qualifications
4 days ago
controlled function added: (1222)20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
4 days ago
controlled function added: (1221)[FCA CF] Functions requiring qualifications
4 days ago
controlled function added: (1220)20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
4 days ago
controlled function added: (1219)[FCA CF] Functions requiring qualifications
4 days ago
controlled function added: (1218)20. Advising or arranging (bringing about) regulated mortgage contracts for a non-business purpose
4 days ago
controlled function added: (1217)[FCA CF] Functions requiring qualifications

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.