Published decisions
52,633
Product-specific decision volume in the public corpus
Product analysis
A public view of how Banking and Payments performs in the published Financial Ombudsman decisions dataset, including volume, outcome mix, firm exposure, and recurring complaint themes.
Page summary
52,633 published FOS decisions in Banking and Payments, with upheld-rate context, firm exposure, complaint themes, advisory patterns, and representative cases.
Published decisions
52,633
Product-specific decision volume in the public corpus
Upheld rate
29.0%
15,287 upheld decisions
Latest published decision 02 Feb 2026
Published decisions
52,633
Product-specific decision volume in the public corpus
Upheld rate
29.0%
15,287 upheld decisions
Leading firm
Barclays Bank UK PLC
6,043 decisions
Leading complaint theme
Fraud Or Scam Concern
14,169 tagged decisions
52,633 published decisions in this corpus sit within Banking and Payments. 29.0% of those decisions were upheld, which makes this a useful public category page for spotting where complaint outcomes have tended to land.
Barclays Bank UK PLC is the single biggest firm exposure inside Banking and Payments in the published decision set. Fraud Or Scam Concern is the leading complaint theme in the same category.
Banking and Payments has a multi-year decision trail in the corpus, which makes it possible to compare recent complaint pressure against earlier years rather than relying on a single snapshot.
In 2026, Banking and Payments recorded 166 published decisions with an upheld rate of 15.7%.
fraud or scam concern, delay in claim handling, affordability assessment failure, and others are the strongest complaint-theme signals in Banking and Payments. For public analysis, those tags are the closest durable “type” layer available in the dataset.
The existing advisor model also points to recurring handling implications for Banking and Payments, including review consumer credit act 1974 precedent (appears in 2.6% of cases), review section 75 cca precedent (appears in 1.9% of cases), and others.
Representative cases
5 examples shown
My final decision is that I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr S to accept or reject my decision before 2 March 2026.
View source decisionMy final decision is I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr I to accept or reject my decision before 2 March 2026.
View source decisionFor the reasons I’ve explained, I’m not upholding Mr M’s complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr M to accept or reject my decision before 2 March 2026.
View source decisionMy final decision is I don’t uphold Mr J’s complaint against Handelsbanken plc. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr J to accept or reject my decision before 2 March 2026.
View source decisionMy final decision is that I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr S to accept or reject my decision before 2 March 2026.
View source decision