Product analysis

Banking and Payments complaint 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

Banking and Payments in the ombudsman corpus

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.

  • Latest year in the product series: 2026
  • Leading precedent signal: Consumer Credit Act 1974
  • Advisor risk signal: low

How the product moved over time

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%.

  • 2026: 166 decisions, 15.7% upheld
  • 2025: 13,903 decisions, 24.7% upheld
  • 2024: 10,946 decisions, 33.9% upheld
  • 2023: 8,694 decisions, 32.8% upheld
  • 2022: 8,600 decisions, 30.8% upheld

Themes, precedent signals, and handling implications

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.

  • Leading complaint theme: Fraud Or Scam Concern

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-509089902 Feb 2026Not upheld

NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY · Banking and Payments

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 decision
DRN-557014102 Feb 2026Not upheld

Tide Platform Limited · Banking and Payments

My 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 decision
DRN-574897802 Feb 2026Not upheld

NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY · Banking and Payments

For 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 decision
DRN-575076502 Feb 2026Upheld

Handelsbanken plc · Banking and Payments

My 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 decision
DRN-576230002 Feb 2026Not upheld

Revolut Ltd · Banking and Payments

My 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