//The Main Scheme
The Main Scheme2021-12-16T10:34:14+00:00

The Main Scheme

The Main Scheme facilitates primarily banks and building societies with balance sheet values in excess of £7bn (though smaller entities can opt to join this rather than the Alternative Scheme), that choose to participate (‘participants’), to transfer money from their dormant accounts to RFL, where surplus funds, deemed as being amounts in excess of what is required to meet future reclaims, can be distributed by RFL to The National Lottery Community Fund (previously known as Big Lottery Fund) and then onwards to good causes across the UK.

The Scheme (in compliance with the Dormant Bank and Building Society Accounts Act 2008) ensures that the right of account holders to reclaim their money, at any time, is protected in perpetuity by transferring the individual’s claim against the bank or building society to RFL.




good causes
across 4 nations


Participating Banks and Building Societies:

  • Allied Irish Bank (UK) p.l.c.
  • ANZ – London branch
  • Bank Hapoalim – London branch
  • Bank Leumi UK plc
  • Barclays Bank UK PLC
  • Butterfield Bank (UK) Limited
  • CIMB Bank Berhad
  • Clydesdale Bank PLC
  • Commonwealth Bank of Australia – London branch
  • Consolidated Credits Bank Ltd
  • The Co-operative Bank plc
  • Credit Agricole
  • Danske Bank
  • Duncan Lawrie Limited
  • DZ Bank AG
  • Emirates NBD – London branch
  • HSBC Bank plc
  • Intesa San Paolo
  • Lloyds Banking Group
    • Lloyds Bank plc
    • Bank of Scotland plc
  • National Bank of Egypt (UK) Limited
  • Nationwide Building Society
  • NatWest Group
    • Adam & Company plc
    • Coutts & Co
    • National Westminster Bank plc
    • The Royal Bank of Scotland plc
    • Ulster Bank Limited
  • NM Rothschild
  • Raphaels Bank
  • Riyad Bank
  • Santander UK plc
  • Standard Chartered Bank
  • TSB Bank plc
  • Virgin Money plc

How the Main Scheme works

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To find out more about joining the Main Scheme please click here .

Case studies

UK good causes present inspirational speeches at RFL’s Enhancing Communities Event.


The Alternative Scheme

Enabling building societies and banks with balance sheet values below £7bn to utilise their qualifying dormant accounts to support their favoured local and aligned charities.



Answers to the most common questions regarding who we are and what we do