Published decisions
975
Decision volume in this year-product slice
Year + product analysis
Banking and Payments complaints in 2026
A curated public analysis of Banking and Payments in 2026, combining annual and product-level signals from the published Financial Ombudsman decision corpus.
Upheld rate
21.1%
206 upheld decisions
Page summary
975 published FOS decisions in Banking and Payments during 2026, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
975
Decision volume in this year-product slice
Upheld rate
21.1%
206 upheld decisions
Latest published decision 17 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
975
Decision volume in this year-product slice
Upheld rate
21.1%
206 upheld decisions
Leading firm
HSBC UK Bank Plc
101 decisions
Leading complaint theme
Fraud Or Scam Concern
495 tagged decisions
Banking and Payments in 2026
Analysis975 published decisions in the corpus sit in Banking and Payments for 2026. 21.1% of those decisions were upheld, which makes this a strong public cross-section for understanding how one product behaved in one specific year.
HSBC UK Bank Plc is the most visible firm inside this year-product slice, with 101 published decisions.
- 2026: 975 decisions, 21.1% upheld
- Leading complaint theme: Fraud Or Scam Concern
- Leading precedent signal: Payment Services Regulations
Firm concentration and issue profile
AnalysisHSBC UK Bank Plc, Barclays Bank UK PLC, Revolut Ltd, and others are the firms most often associated with Banking and Payments complaints in 2026. This gives a much tighter public view than the standalone year or product pages alone.
fraud or scam concern, delay in claim handling, affordability assessment failure, and others are the strongest complaint-theme signals in this year-product combination.
- HSBC UK Bank Plc: 101 decisions, 34.6% upheld
- Barclays Bank UK PLC: 100 decisions, 14.0% upheld
- Revolut Ltd: 96 decisions, 7.3% upheld
- Santander UK Plc: 76 decisions, 23.7% upheld
- NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY: 63 decisions, 14.3% upheld
Handling implications and precedent context
AnalysisThe advisory layer for Banking and Payments points to recurring handling implications here, including review consumer credit act 1974 precedent (appears in 2.7% of cases), review section 75 cca precedent (appears in 1.9% of cases), review section 140a cca precedent (appears in 0.4% of cases), and others.
There is no strong “what loses” signal exposed for this product at the current advisory granularity.
- Leading complaint theme: Fraud Or Scam Concern
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-558715017 Mar 2026Not upheld
Monzo Bank Ltd · Banking and Payments
I’ve decided not to uphold Miss B’s complaint about Monzo Bank Ltd. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss B to accept or reject my decision before 14 April 2026.
View source decisionDRN-564345517 Mar 2026Not upheld
Edinburgh Alternative Finance Limited · Banking and Payments
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 14 April 2026.
View source decisionDRN-579589617 Mar 2026Not upheld
MBNA Limited · Banking and Payments
For the reasons I’ve outlined, 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 14 April 2026.
View source decisionDRN-583468417 Mar 2026Not upheld
Revolut Ltd · 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 G to accept or reject my decision before 13 April 2026.
View source decisionDRN-586243217 Mar 2026Not upheld
Barclays Bank UK PLC · 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 S to accept or reject my decision before 14 April 2026.
View source decision