Legal & Privacy Information
Legal
Here you'll find key information about your rights and responsibilities and how we protect your data
Data & privacy
Privacy policy
How we collect, use and protect your personal data
Cookies
Cookies we use, what they do, and how to manage your choices
Fair processing & credit referencing agencies
How we collect, use and share your information with credit reference and fraud prevention agencies.
Your rights and protections
How to complain
How to complain and what to expect from us
Accessibility statement
We’re committed to ensuring our website is accessible to as many people as possible. If you experience barriers, please contact us for assistance or alternative formats.
Vulnerability and fair treatment
We support members who may be vulnerable and ensure fair, inclusive treatment in line with the FCA Consumer Duty.
Product information
Terms & Conditions
Download the current terms & conditions for the services you have with us
Current Account Terms & Conditions
v.7.108-May-2025Fees & Charges Schedule
v.2.007-Jan-2024Fees & Charges Schedule
v.3.001-Oct-2025Teen Account Terms & Conditions
v.2.001-May-2022Lottery Terms & Conditions
v.1.002-Jan-2021Online Banking Terms & Conditions
v.2.009-Dec-2025Membership and Savings Terms & Conditions
v.3.001-May-2022Loan Terms & Conditions
v.2.001-Jun-2021Salaryflex Terms & Conditions
v.1.009-Feb-2025Debit Card Terms & Conditions
v.1.306-Jan-2025
Fees & charges schedule
A summary of standard fees and charges across our products and services
Regulatory information
FCA & PRA Registration
- Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
- Firm Reference Number 213248 Financial Services Register
- Registered under the Credit Unions Act 1979 (IP00064C)
Mutuals Public Register
Financial Services Compensation Scheme
Your eligible deposits held by London Mutual Credit Union Limited are protected up to a total of £120,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme.
This limit is applied to the total of any deposits you have with us. Any total deposits you hold above the limit are unlikely to be covered.