Terms & Conditions

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Legal Information & Ownership

In this section, you'll find important legal information about Conister Bank Limited, and the Manx Financial Group (MFG).

Conister Bank

Conister Bank Limited. Registered in the Isle of Man No. 000738C. Registered Office: Clarendon House, Victoria Street, Douglas, Isle of Man, IM1 2LN.

Conister Bank Limited is licensed by the Isle of Man Financial Services Authority for its deposit taking activities and is authorised and regulated in the United Kingdom by the Financial Conduct Authority for its consumer credit activities, firm registration number 619002. Deposits made with Conister Bank Limited are covered by the Isle of Man Depositors’ Compensation Scheme as set out in the Depositors' Compensation Scheme Regulations 2010.

All loans are subject to status. Terms and conditions apply. Minimum age 21. Early settlement fees apply. An acceptance fee may be charged.

All deposits are subject to status. Terms and conditions apply. No early withdrawals permitted.

Telephone calls may be recorded for security, quality control and training purposes.

Deposits made with Conister Bank Limited are covered by the Isle of Man Depositors' Compensation Scheme as set out in the Compensation of Depositors Regulations 2010.

We focus on the financial needs and aspirations of the Isle of Man Community. We've been providing savings and lending to businesses and personal customers on the island since 1935. Simplicity and friendliness are important to us. Although we've developed significantly over the years, traditional values such as courtesy, safety, and integrity guide our approach.

An independent, local bank with international expertise, we hope to remain the bank of choice for our personal and business customers on the island. In times of economic turmoil, Conister Bank continues to provide refuge to customers seeking a straightforward, trusted approach to their money.

Named after the Conister Rock in Douglas Bay, we've been helping our customers achieve their financial goals for decades. We offer excellent value, good service, quick decisions and a flexible approach to doing business. As the Isle of Man's only independent bank, our combination of stability, personal service, convenience and excellent products has won us many loyal customers. Their trust and continuing business matter to us.

Established in 1935, we were the Isle of Man's first major provider of credit finance. Conister Bank is still a leading provider of asset finance to local companies and individuals. But we also offer a range of other services to help our customers manage their finances. Their continuing loyalty and our stable heritage mean we have been able to develop into a successful and customer focused bank catering to the different needs of our local clients.

Manx Financial Group

Manx Financial Group PLC. Company number 004908V. Incorporated in the Isle of Man. Registered Office: Clarendon House, Victoria Street, Douglas, Isle of Man, IM1 2LN

Manx Financial Group PLC (formerly Conister Financial Group PLC), offers retail and commercial banking services, payment solutions and wealth management advisory services through its wholly owned subsidiaries Conister Bank Limited, Conister Card Services Limited, Edgewater Associates Limited and ECF Asset Finance PLC.

For more information: Manx Financial Group PLC: www.mfg.im

Ownership

Manx Financial Group PLC (formerly Conister Financial Group PLC), offers retail and commercial banking services, payment solutions and wealth management, general insurance and life insurance, through its wholly owned subsidiaries Conister Bank Limited, Conister Card Services Limited, Edgewater Associates Limited and ECF Asset Finance Plc.

For more information on the group structure - www.mfg.im/group-companies

Conister Card Services

Conister Card Services Limited. Registered in the Isle of Man. No. 121151C. Registered office: Clarendon House, Victoria Street, Douglas, Isle of Man, IM1 2LN.

Established in January 2010, Conister Card Services Limited manages payment card services for the Group.

Conister Bank Limited is a principal member of MasterCard® and is licensed to issue prepaid, debit and credit cards in the Isle of Man. Conister Bank Limited offers BIN sponsorship opportunities to prepaid programme managers and Conister Card Services Limited manages the setup, approval and ongoing monitoring of card programmes on behalf of Conister Bank Limited.

Conister Card Services Limited is the Group's prepaid card company. Conister Card Services Limited provides clients with payment solutions that easily integrate into their existing payment systems.

Conister Card Services Limited is the Group's hub of excellence and experience for cards and electronic payment service and maintains expertise in card programme set up, card scheme regulation, fraud protection and anti-money laundering measures.

Conister Card Services Limited can be contacted on +44 1624 694 688 for further information.

Edgewater Associates

Edgewater Associates Limited. Registered in the Isle of Man. No. 082727C. Registered office 1st Floor, Clarendon House, Victoria Street, Douglas, Isle of Man, IM1 2LN.

Edgewater Associates Limited is licensed by the Isle of Man Financial Services Authority.

Founded in 1996 Edgewater Associates Limited is one of the largest and best known independent financial advisers in the Isle of Man, with offices in both Douglas and Ramsey.

Edgewater Associates Limited is one of the Isle of Man's preeminent Independent Financial Advisers with over 14 years experience in the Isle of Man market. It provides wealth management, general insurance, and life insurance advice.

Edgewater believes that honest, independent advice is the key to financial well being. In its specialist areas of mortgages, wealth management, and retirement planning, Edgewater has the expertise and knowledge to help its customers meet goals, now and in the future.

Website: www.edgewater.co.im

Edgewater Associates Limited can be contacted on +44 1624 654000

ECF Asset Finance PLC

ECF Asset Finance Plc. Registered in England: No. 2615535. Registered Office: Oak 5, Ground Floor, Centrix House, Crow Lane East, Newton-le-Willows, Merseyside, WA12 9UY. Authorised and regulated by the Financial Conduct Authority.

Established in 1991, ECF was originally a provider of asset finance facilities in the UK specialising in the re-financing of unencumbered assets to provide additional working capital facilities. ECF Asset Finance Plc was acquired by Manx Financial Group PLC in November 2010 and it offers asset finance facilities predominantly in the SME market through its sister company Conister Bank Limited. Conister Bank Limited is the Isle of Man's only independent bank. ECF Asset Finance is a specialist firm which sources business on behalf of Conister Bank within Sale and Leaseback, Finance Leasing, Turnaround Finance, Hire Purchase, Commercial Loans.

Operating from its office in Newton-le-Willows with a team of experienced Business Development Managers, ECF introduces asset finance business to Conister Bank Limited.

Sale & Leaseback- additional cash flow by releasing equity in unencumbered assets.

Website: www.ecfplc.com

ECF Asset Finance can be contacted on 01625 549652

MFL

Manx Financial Limited. Incorporated and registered in the Isle of Man. Company number 098263C.

Registered and Head Office: Clarendon House, Victoria Street, Douglas, Isle of Man, IM1 2LN.

Registered as an Overseas company in England and Wales. Company number: FC024471. Establishment number: BR014665.

UK establishment office: Oak 5, Ground Floor, Centrix House, Crow Lane East, Newton-le-Willows, Merseyside, WA12 9UY.

Manx Financial Limited, a limited company, is authorised and regulated by the Financial Conduct Authority.

Manx Financial Limited offers financial facilities to help SMEs grow their businesses in both the UK and the Isle of Man. It also offers its Isle of Man customers bridging facilities which are designed to help families move home more easily.

Website: www.manxfinancial.co.uk

MFX

Manx FX and MFX are registered trading names of Manx FX & Financial Solutions Limited. Registered in the Isle of Man No. 129081C. Registered Office: Clarendon House, Victoria Street, Douglas, Isle of Man, IM1 2LN.

Manx Foreign Exchange provides specialist FX solutions and offers access to the most competitive and international payment facilities.

Website: www.mfx.im

Group Structure

Financial Information

The latest financial information from Conister Bank 2016 – click here

2015 - financial information from Conister Bank click here

2014 - financial information from Conister Bank click here

2013 - financial information from Conister Bank click here

2012 - financial information from Conister Bank click here.

The latest financial information from the Manx Financial Group is available here