App-based current accounts, assessed on deposit-protection disclosure
The feature lists are excellent and largely interchangeable. Assessed on the question they answer least clearly: which entity holds your money, and what protects it.
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The temporary permissions regime leaves a visible gap in firm status
A transitional regime is a sensible way to regulate a live market. It also means the register entry a consumer looks up does not mean what they assume it means.
The BNPL complaint route, assessed after regulation
Before 15 July 2026 a dissatisfied BNPL customer had the firm's goodwill and little else. Assessed on what the new route provides and where it still runs out.
BNPL came under FCA rules on 15 July 2026 — what actually changed
Regulation Day brought affordability requirements, the Consumer Duty and ombudsman access to buy-now-pay-later. It did not, on day one, make every firm fully authorised.