The Financial Ombudsman Service for Small Businesses has the power to settle disputes between small businesses and businesses that provide financial services.

Products and services we cover

We can help you with complaints about most financial products, including:
  • banking and credit, including bank accounts, payment services, secured loans and overdrafts
  • insurance, including vehicle, commercial property, business protection and legal expenses insurance
  • financial advice and investments
  • pensions

We may be able to help with complaints about other kinds of financial products and services. To check, contact us. Who we can help

We can help micro-enterprises and small businesses (including self-employed people, partnerships and limited companies).

According to our rules:
  • a micro-enterprise is a business which:
    • has a turnover or annual balance sheet that does not exceed €2 million
    • employs fewer than 10 persons
  • a small business is an enterprise which:
    • is not a micro-enterprise
    • has an annual turnover of less than £6.5 million
    • has a balance sheet total of less than £5 million, or employs fewer than 50 employees

We can also help charities with an annual income of less than £6.5m and trusts with a net asset value of less than £5m; and individuals who act as personal guarantors for loans to businesses they’re involved in.

If you’re a small business, we can only look at your complaint if it relates to events that occurred on or after 1 April 2019. But if you're a micro-enterprise, we may be able to help with complaints about events before that date.

If you're not sure, contact us, and we’ll let you know if we can help.