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Our Ethical Policy

The Directors of Reliance Bank Limited have chosen to follow the moral and ethical position of its shareholders, The Salvation Army.


Lending/Customer Relationship

Reliance Bank Limited will not knowingly enter a direct banking relationship with individuals or entities that fail to uphold the principles of the Universal Declaration of Human Rights, whose main source of income is derived from sales of tobacco, alcohol, gambling, pornography and armaments or who do not conduct their business affairs in a socially responsible manner. This position mirrors the ethical stance of The Salvation Army.

Day to day operational requirements dictate that the bank will deposit funds with other Financial Institutions with strong credit ratings as part of its liquidity management and credit risk management. It is recognised that Reliance Bank’s ethical stance is unlikely to be mirrored by these institutions. These operational deposits are not long term and none extend beyond 12 months

Reliance Bank Limited does not invest or trade in the equities market and as such the ethical screening of Stocks and Shares investments is not required.



Bank policies include the recycling of paper, cardboard, and toner cartridges and the appointment of stationery suppliers are selected on the grounds that they look to manage their impact on the environment.

Customers are encouraged to make use of the “paperless” bank statement option available through the bank’s internet banking service.


Social Responsibility

Reliance Bank Limited promptly settles its tax liabilities. Staff remuneration exceeds the London Living Wage threshold. In addition, staff can benefit from performance bonuses that reward excellent customer service, strong compliance and behaviours that have a positive impact for bank customers. The maximum bonus payment available to any individual is capped at £2,000. The maximum payment would only be payable where individual objectives and overall performance has been exceptional in all areas of the business and operating profit is in excess of £2,000,000.

The bank indirectly supports communities around the world through the Gift Aid payments made to The Salvation Army that, since 2002, have been equivalent to a minimum of 75% of operating profit. Examples of the support provided by The Salvation Army in the United Kingdom and Worldwide include

  • Social Housing schemes
  • Social Centres that provide a refuge for vulnerable individuals
  • Schools
  • Hospitals

The bank does not discriminate on the basis of sexual identity, race, or religion (this list is not exhaustive) in the delivery of services or employment practices.


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For security, Please ensure that you are always on this domain www.reliancebankltd.com or ibank.reliancebankltd.com when using our banking services. If you suspect that you are on a 'fake' domain, please contact Reliance Bank on 020 7398 5400.

Reliance Bank Limited. All rights reserved. Registered in England. Registration no. 68835.
Reliance Bank Limited, Faith House, 23-24 Lovat Lane, London EC3R 8EB. Telephone: 020 7398 5400 Fax:  020 7398 5401
Reliance Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
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