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Why isn't all of my client's deposit protected by the FSCS?
If you choose to maximise the interest rate, the calculator will prioritise higher-paying accounts rather than spreading your client's deposit to stay within FSCS protection limits. Select ‘Prioritise FSCS protection’ to prioritise spreading their deposit across banking groups, with no more than £120,000 allocated to each.
For very large deposits, full FSCS protection will not always be possible across the available banking groups. The calculator will show what percentage of your client’s deposit is protected.