Published decisions
2,015
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
19.1%
385 upheld decisions
Page summary
2,015 published FOS decisions in Banking and Payments during 2026, with upheld-rate context, firm concentration, complaint themes, and representative cases.
Published decisions
2,015
Decision volume in this year-product slice
Upheld rate
19.1%
385 upheld decisions
Latest published decision 07 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
2,015
Decision volume in this year-product slice
Upheld rate
19.1%
385 upheld decisions
Leading firm
Barclays Bank UK PLC
205 decisions
Leading complaint theme
Fraud Or Scam Concern
1,037 tagged decisions
Banking and Payments in 2026
Analysis2,015 published decisions in the corpus sit in Banking and Payments for 2026. 19.1% 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 205 published decisions.
- 2026: 2,015 decisions, 19.1% 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: 205 decisions, 12.7% upheld
- Revolut Ltd: 196 decisions, 7.1% upheld
- HSBC UK Bank Plc: 183 decisions, 30.1% upheld
- Santander UK Plc: 161 decisions, 25.5% upheld
- NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY: 124 decisions, 16.9% 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-589913507 Jul 2026Not upheld
MONZO BANK LIMITED · Banking and Payments
For the reasons I’ve explained, 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 G to accept or reject my decision before 4 August 2026.
View source decisionDRN-592896307 Jul 2026Upheld
Barclays Bank UK PLC · Banking and Payments
For the reasons above, my final decision is that Barclays Bank UK PLC’s offer of £400 is fair. It should pay this to Mr E if it hasn’t already.
View source decisionDRN-598672207 Jul 2026Not upheld
Barclays Bank UK PLC · Banking and Payments
For the reasons stated above I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss C to accept or reject my decision before 4 August 2026.
View source decisionDRN-603105707 Jul 2026Not upheld
HSBC UK Bank Plc · Banking and Payments
For the reasons set out above, I don’t require HSBC UK Bank Plc to take any further action. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr and Mrs J to accept or reject my decision before 4 August 2026.
View source decisionDRN-605667707 Jul 2026Not upheld
Clydesdale 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 C to accept or reject my decision before 4 August 2026.
View source decision