Trust Centre
DOS & Co. Ltd. is authorised and regulated by the Financial Conduct Authority for the provision of payment services.
Who regulates DOS & Co. (which administers the UK Retention Deposit Scheme), how the money the scheme holds is protected, and how we approach security, financial-crime prevention and operational resilience, in one place, with the sources to verify it yourself.
What people ask first
Where is the retention held?
Safeguarded GBP is held liquid and unencumbered at the Bank of England through our banking technology partners.
How your money is protectedWho regulates the scheme's administrator?
Authorised and regulated by the Financial Conduct Authority for the provision of payment services (FRN 1041318).
Regulatory & licensingWhat happens if the administrator fails?
All of our client funds are safeguarded, protecting them from our insolvency or any of our banks' insolvency.
How your money is protectedHow often are safeguarded funds checked?
Safeguarded funds are reconciled daily, our safeguarding arrangements are audited annually by an independent external auditor, and we submit safeguarding returns (REP027) to the FCA.
How your money is protected
ISO/IEC 27001
Certified B Corporation
Check: Certified B Corporation on its public register
We Are PRIME Founder Member
Check: We Are PRIME Founder Member on its public registerRead the detail
- How your money is protectedSafeguarding under the Payment Services Regulations 2017, and what it means for you.
- Regulatory & licensingWho regulates us, how to verify it, and how complaints are handled.
- Company & governanceWho we are: Our registration, authorisation and certifications.
- Systems & uptimeOur live status, 90-day uptime and the incident history behind it.
- Information securityOur certification, security posture and responsible disclosure policy.
- Financial crime preventionHow we verify customers, screen activity and protect you from fraud.
- Operational resilienceHow we plan for disruption and manage incidents.
- Subprocessors & key suppliersThe third parties we rely on, what each is for, and where they operate.
- Privacy & legalOur legal notices, with public version history.
Questions
- Where is the retention held?
- Safeguarded GBP is held liquid and unencumbered at the Bank of England through our banking technology partners.
- Who regulates the scheme's administrator?
- Authorised and regulated by the Financial Conduct Authority for the provision of payment services (FRN 1041318).
- What happens if the administrator fails?
- All of our client funds are safeguarded, protecting them from our insolvency or any of our banks' insolvency.
- How often are safeguarded funds checked?
- Safeguarded funds are reconciled daily, our safeguarding arrangements are audited annually by an independent external auditor, and we submit safeguarding returns (REP027) to the FCA.
- How long has the administrator traded?
- Trading since 2010. FCA-authorised for regulated payment and escrow services since 2019.
- Is the administrator insured?
- DOS & Co. Ltd maintains insurance cover appropriate to the nature and scale of the services we provide.
For diligence reviewers
Questions about regulation or safeguarding go to the people responsible.
Machine-readable
- Claims (/trust.json): Each published claim with its issuer, reference, validity and where to check it.
- Status (/trust/status.json): Current state of each service and recent incidents.
- Status badge (/status.svg): The current state as an image to embed.
- Subprocessors (/trust/subprocessors.json): The third parties that process data for us.
