Contact us today on: 01924 240164 | [email protected]

Less Hassle, More Time

Invest a lump sum into our expertly-managed With Profits fund and enjoy 5% penalty free annual withdrawals should you need it

Find out more

Our promise

Kingston Unity is a Friendly Society. We’re totally different to banks, because we’re owned by our members. We’re run for the benefit of you, and your family, not for shareholder profit. We’ve been looking after our members’ money and best interests since 1840.


Long-term investment with the option of penalty free, annual withdrawals. Ideal for lump sums.

More about our Investment Bond

Bonus Declaration 2017
Find our Bonus Declaration and product performance breakdown here.

Investment ISA with Kingston Unity


Tax efficient and flexible saving up to the £20,000 annual allowance with our Investment ISA.

Learn more

In 2017, our ISA paid a clean* rate of
3.0% bonus
*Rate after all charges have been applied

Find out about our other savings and investment products

View all our products
Protected by FSCS
What is a mutual?

What is a Mutual?

A detailed explanation what a mutual is and how it can benefit you

Read more

Data Protection In A Modern Friendly Society

UK data protection laws have changed. Read how we are making sure your personal data is protected

Find out more
KU Head of Distribution, Mike, delivers his commentary on golf, music and how he manages to contribute to his annual green fees.

KU Guest Blog

KU Head of Distribution discusses golf, music and those all important green fees

Find out more

Please Note: You must confirm you have read the key facts, before downloading this document.

Key Facts about our services and costs

1. The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. This document is designed by the FCA to be given to consumers buying certain financial products. You need to read this important document. It explains the service you are being offered and how you will pay for it.

2. Whose products do we offer?

We offer products from the whole market

We only offer products from a limited number of companies

We only offer our own products

3. Which service will we provide you with?

We will advise and make a recommendation for you after we have assessed your needs.

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

We will provide basic advice on a limited range of stakeholder products and in order to do this we will ask some questions about your income, savings and other circumstances but we will not:

  • conduct a full assessment of your needs;
  • offer advice on whether a non-stakeholder product may be more suitable.

We can only offer products from Kingston Unity Friendly Society. These products will enable you to:

  • protect yourself and your loved ones in the event of death
  • save and invest with the added benefit of protecting yourself and your loved ones in the event of death
  • provide benefit cover in the event of sickness

4. What will you have to pay us for our services?

Normally, if you buy a financial product direct from us, there will be no payments such as commission or fees payable. If there are any commission or fees payable, we will tell you how we get paid and the amount before we carry out any business for you.

5. Who regulates us?

Kingston Unity Friendly Society, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and .the Prudential Regulation Authority. Kingston Unity Friendly Society’s FCA Registered Number is 110056.

Kingston Unity Friendly Society permitted business is advising and arranging life assurance and pensions business.

You can check this on the FCA’s Register by visiting the FCA’s website or by contacting the FCA on 0845 606 1234.

6. What to do if you have a complaint

If you wish to register a complaint, please contact us:
…in writing Write to Kingston Unity Friendly Society, Complaints Department, 9 Navigation Court, Calder Park, Wakefield, WF2 7BJ. …by phoneTelephone (01924) 240164

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

7. Are we covered by the Financial Services Compensation Scheme (FSCS)?

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.

Most types of insurance business are covered for 90% of the claim with no upper limit.