Is it safe? / Harpenden BS

Is Harpenden BS safe?

Yes — Harpenden BS is FSCS-protected. Deposits up to £120,000 per person (£240,000 for joint accounts) are covered under the Harpenden Building Society banking licence (Harpenden Building Society (mutual)).

Protection

FSCS to £120,000

Licence holder

Harpenden Building Society

Parent company

Harpenden Building Society (mutual)

Harpenden BS's current savings rates

Online Single Access (Issue 3)4.06% AER

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Worth knowing

FSCS also covers temporary high balances (house sale, inheritance) up to £1.4m for six months (raised December 2025). Compensation is automatic if a firm fails — typically paid within seven days.