Published decisions
2,322
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
18.9%
438 upheld decisions
Page summary
2,322 published FOS decisions in Banking and Payments during 2026, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
2,322
Decision volume in this year-product slice
Upheld rate
18.9%
438 upheld decisions
Latest published decision 28 Jul 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
2,322
Decision volume in this year-product slice
Upheld rate
18.9%
438 upheld decisions
Leading firm
Barclays Bank UK PLC
233 decisions
Leading complaint theme
Fraud Or Scam Concern
1,162 tagged decisions
Banking and Payments in 2026
Analysis2,322 published decisions in the corpus sit in Banking and Payments for 2026. 18.9% of those decisions were upheld, which makes this a strong public cross-section for understanding how one product behaved in one specific year.
Barclays Bank UK PLC is the most visible firm inside this year-product slice, with 233 published decisions.
- 2026: 2,322 decisions, 18.9% upheld
- Leading complaint theme: Fraud Or Scam Concern
- Leading precedent signal: Payment Services Regulations
Firm concentration and issue profile
AnalysisBarclays Bank UK PLC, Revolut Ltd, HSBC UK Bank Plc, 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.
- Barclays Bank UK PLC: 233 decisions, 12.9% upheld
- Revolut Ltd: 222 decisions, 6.3% upheld
- HSBC UK Bank Plc: 219 decisions, 29.7% upheld
- Santander UK Plc: 182 decisions, 24.7% upheld
- NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY: 144 decisions, 16.0% 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-579486828 Jul 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 M to accept or reject my decision before 25 August 2026.
View source decisionDRN-612658628 Jul 2026Not upheld
Metro Bank PLC · Banking and Payments
I do not uphold this complaint against Metro Bank Plc. It has nothing further to do in this matter.
View source decisionDRN-616961928 Jul 2026Not upheld
MONZO BANK LIMITED · Banking and Payments
My final decision is I do not uphold this complaint against Monzo Bank Limited. Under the rules of the Financial Ombudsman Service, I’m required to ask Ms H to accept or reject my decision before 25 August 2026.
View source decisionDRN-616962128 Jul 2026Not upheld
Lloyds Bank PLC · Banking and Payments
My final decision is I do not uphold this complaint against Lloyds Bank PLC. Under the rules of the Financial Ombudsman Service, I’m required to ask Ms H to accept or reject my decision before 25 August 2026.
View source decisionDRN-619057028 Jul 2026Not upheld
Amazon Payments UK Limited · Banking and Payments
My final decision is that I don’t find that Amazon Payments UK Limited has acted unfairly or unreasonably and I don’t require it to take any further action to address this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask S to accept or reject my decision before 25 August 2026.
View source decision