CONSULT.Outcome publishedConsultation · gov.uk

Personal current accounts and banking services to SMEs

We are seeking views on the CMA’s provisional decision to make a market investigation reference in relation to PCAs and SME banking.

Last fetched 03 May 2026 · gov.uk

Detail

This consultation invited views on the Competition and Markets Authority’s (CMA) provisional decision to make a market investigation reference (MIR) in relation to the provision of personal current accounts (PCAs) and the provision of banking services to small and medium-sized enterprises (SMEs) in the UK.

The CMA’s 2 market studies on PCAs and SME banking are available on the retail banking sector market investigation case page.

Documents

PCAs and banking services to SMEs: provisional decision on MIRapplication/pdf PCAs and banking services to SMEs: final decision on market investigation referenceapplication/pdf Responses to the consultation from consumers, businesses and other bodiesapplication/pdf Barclays Bank PLCapplication/pdf British Chambers of Commerceapplication/pdf Campaign for Community Banking Servicesapplication/pdf Citizens Advice Scotlandapplication/pdf Clydesdale Bankapplication/pdf Consumer Council for Northern Irelandapplication/pdf Credit Union Consultancyapplication/pdf EEFapplication/pdf Federation of Small Businessesapplication/pdf Financial Conduct Authorityapplication/pdf Financial Services Consumer Panel responseapplication/pdf Financial Services Consumer Panel discussion paperapplication/pdf Forum of Private Business application/pdf HSBCapplication/pdf Lloyds Banking Group covering letterapplication/pdf Lloyds Banking Group annexesapplication/pdf LNT Groupapplication/pdf Metro Bankapplication/pdf Moneyfacts Groupapplication/pdf National Pawnbrokers Associationapplication/pdf Orwell Groupapplication/pdf Paragon Bankapplication/pdf Payment Systems Regulatorapplication/pdf Positive Moneyapplication/pdf Royal Bank of Scotland PLCapplication/pdf Santander UK plcapplication/pdf Tesco Bankapplication/pdf TSBapplication/pdf Virgin Moneyapplication/pdf Which?application/pdf Yorkshire Building Societyapplication/pdf