Published decisions
53,626
Product-specific decision volume in the public corpus
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.
Upheld rate
28.9%
15,499 upheld decisions
Page summary
53,626 published FOS decisions in Banking and Payments, with upheld-rate context, firm exposure, complaint themes, advisory patterns, and representative cases.
Published decisions
53,626
Product-specific decision volume in the public corpus
Upheld rate
28.9%
15,499 upheld decisions
Latest published decision 24 Mar 2026
How to use this page
Read the metrics first, then the ranked view.
The top-line cards show scale and outcome context. The ranked view and representative decisions show where the slice is concentrated and what the published decision set actually looks like.
Published decisions
53,626
Product-specific decision volume in the public corpus
Upheld rate
28.9%
15,499 upheld decisions
Leading firm
Barclays Bank UK PLC
6,147 decisions
Leading complaint theme
Fraud Or Scam Concern
14,681 tagged decisions
Banking and Payments in the ombudsman corpus
Analysis53,626 published decisions in this corpus sit within Banking and Payments. 28.9% 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 uphold-risk signal: low
How the product moved over time
AnalysisBanking 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 1,159 published decisions with an upheld rate of 20.5%.
- 2026: 1,159 decisions, 20.5% 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
Analysisfraud 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 2.7% 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-567225524 Mar 2026Upheld
Nationwide Building Society · Banking and Payments
I uphold this complaint against Nationwide Building Society. If Mr S accepts, Nationwide Building Society should: - Reimburse Mr S for his total loss, minus any returns.
View source decisionDRN-578079524 Mar 2026Upheld
Nationwide Building Society · Banking and Payments
It’s my final decision that I uphold Miss O’s complaint against Nationwide Building Society from July 2024. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss O to accept or reject my decision before 21 April 2026.
View source decisionDRN-582920524 Mar 2026Not upheld
Lloyds Bank PLC · 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 Ms O to accept or reject my decision before 21 April 2026.
View source decisionDRN-584620224 Mar 2026Not upheld
TSB Bank plc · 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 B to accept or reject my decision before 21 April 2026.
View source decisionDRN-590085024 Mar 2026Not upheld
HSBC UK Bank Plc · 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 Miss J to accept or reject my decision before 21 April 2026.
View source decision