St. James's Place Complaints
St. James's Place is among the worst-performing banks for complaints.
What customers experience
St. James's Place received 12,316 complaints in the 2025-07-01 to 2025-12-31 reporting period -- that is roughly 11.0 complaints per 1,000 accounts, which is above the sector average of 8.1. If you have had a bad experience with St. James's Place, you are not alone.
Total Complaints
12,316
In 2025-07-01 to 2025-12-31
Rate (per 1,000 accounts)
11.0 →
Sector Average
8.1
per 1,000 accounts
Complaints by Product
| Product ↕ | Complaints ↕ | Share |
|---|---|---|
| Decumulation & pensions | 6,855 | 55.7% |
| Investments | 5,095 | 41.4% |
| Insurance & pure protection | 324 | 2.6% |
| Home finance | 40 | 0.3% |
| Banking and credit cards | 2 | 0.0% |
How does St. James's Place compare?
Complaint rate per 1,000 accounts
Bottom Line
St. James's Place is among the most complained-about banks in the UK. If you have been frustrated with their service, the data confirms your experience is widely shared. We would encourage you to make a formal complaint and escalate to the ombudsman if needed. If you are considering switching to St. James's Place, this record is worth factoring into your decision.
About This Data
Data sourced from official UK regulators for the period 2025-07-01 to 2025-12-31. Complaint rates are calculated per 1,000 accounts. Ombudsman uphold rate from the Financial Ombudsman Service. Full methodology