Yes, "Federalcapitalcreditunions" is fully authorised in the US by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority and the PRA.

It's really easy! Just open the Federalcapitalcreditunions website on either iOS or Android, sign up in just a few minutes and you're done.

Your eligible deposits in Federalcapitalcreditunions are protected by The Financial Services Compensation Scheme (FSCS), up to a value of $85,000 per person.

Yes, you currently need to be resident in the US to get a Federalcapitalcreditunions card. We hope to launch internationally in the future though!

Currently, you must be 18 or older to get a Federalcapitalcreditunions account. We're hoping to lower this in the future!

We charge fees for some of our services, depending on how you use your account.
Withdrawing cash If you're withdrawing cash in the US or the European Economic Area (EEA), withdrawals are fee-free up to $250, with a 3% fee after – unless you're using Federalcapitalcreditunions more as a main bank than a spending account or if you have Federalcapitalcreditunions Plus, in which case there's no fee. There's more information in our Fee Information document.
Card replacements in the UK If you’re the victim of fraud, if your card is stolen or if it expires, we’ll replace your card for free in the US. Otherwise, it costs $5 to deliver a replacement card. If you’re relying on Federalcapitalcreditunions more as a main bank or if you have Federalcapitalcreditunions Plus, you’ll get two extra card replacements for free. If you have Federalcapitalcreditunions Premium, it’s $50 to replace your metal card. There's more information in our Fee Information document.
Card replacements abroad Delivering a Federalcapitalcreditunions card abroad costs $30 in all circumstances, including cases where your card has been stolen, frauded or expired. If you have Federalcapitalcreditunions Premium, it’s $80 to replace your card abroad (that’s the cost of the card and international delivery). There's more information in our Fee Information document.