The ceilings

FSCS levy limits by class, 2026/27

Updated 2026-10-28

Each class can be levied up to its limit in a year; costs above it go to the retail pool.

Talk to a specialist Your eligible income and your FCA fees. The class totals come from the FCA's own calculation notes.

Eligible annual income in the LDII class (CLII-1)

The tariff data you report for Life Distribution and Investment Intermediation. Default: the FCA's own worked example, £340,000.

Your FCA minimum fee (fee-block A.0)

£2,200 for 2026/27 in FCA PS26/14 and the FCA's worked example. It is the A000 regulatory cost the base costs levy is shared on.

Your FCA periodic fee in fee-block A.13 (advisers, arrangers, dealers)

From your FCA invoice or the FCA fee calculator. Default: £1,294.56, the FCA's example for £580,000 of A.13 income.

Your FCA prudential fee (fee-block AP.0)

Default: £130.67, the FCA's worked example. Enter 0 if you pay none.

Your FSCS levy for 2026/27

£2,063

LDII specific costs levy	£696
LDII compensation costs levy	£1,319
LDII class levy	£2,015
Base costs levy on the minimum fee (A000)	£30
Base costs levy on fee-block A.13	£16
Base costs levy on the prudential fee (AP00)	£2
LDII class levy per £1,000 of eligible income	£6

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How this calculator works

The class figures. The FCA's FSCS levy calculation notes for 2026/27 give the LDII (CLII-1) class's specific costs of £25,863,622 and compensation costs of £49,045,469 over a total tariff base of £12,640,387,723 (printed as £12,640,381,723 in the compensation line; the calculator uses each as printed). With the FCA's own example inputs it returns the FCA's own answer: a net FSCS levy of £2,063.30. (FCA: FSCS levy calculation notes, 2026/27 rates)
The base costs levy. The base costs are shared in proportion to your FCA regulatory costs: £452,840 over £32,859,348 of A000 minimum fees, £1,388,453 over £110,081,523 of A.13 fees, and £352,626 over £26,305,512 of AP00 fees, as the same notes set out. (FCA: FSCS levy calculation notes, 2026/27 rates)
How a share is worked out. FEES 6.5: a firm's share of a class's compensation costs is its tariff base as a proportion of the class's total tariff base. (FCA Handbook FEES 6.5: compensation costs)
One class only. The calculator covers the Life Distribution and Investment Intermediation class, the class most advice firms pay into. A firm in General Insurance Distribution, Home Finance Intermediation, Investment Provision or another class has its own figures, which the calculator does not apply. (FSCS: levy information and the retail pool)
Before discounts and deductions. The figure is the FSCS levy on the FCA's method before any minimum-fee arrangements, invoicing adjustments or a later interim levy. Your FCA invoice is the figure you pay.

Why the limits matter

A class's limit caps what its firms pay for its own failures in one year. Provider contributions, about 25% of the levies for the intermediation classes since 1 April 2019, are counted inside the limit.

Source: FSCS: levy information and the retail pool

The limits

LDII: £330m, including £90m of provider contributions.
General Insurance Distribution: £410m, including £100m.
Home Finance Intermediation: £55m, including £15m.
Investment Provision: £200m.
Deposits: £1,500m.

Source: FSCS: levy information and the retail pool

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Sources

This site's own datasets, every figure quoted from its source and dated:

The FSCS Levy Rates carries 9 published figures read from 4 sources' own pages, from 5,000,000 to 1,500,000,000 GBP, read 28 October 2026.
The median published figure in the FSCS Levy Series is 99,000,000 GBP across 3 sources' own pages (range 87,000,000 to 315,000,000 GBP), read 28 October 2026.

Work out your FSCS levy in a minute

Your eligible income and your FCA fees. The class totals come from the FCA's own calculation notes.

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