Go to... Home/Our role/The Main Scheme 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. 33 participants 2500 good causes across 4 nations Participants 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 TSB Bank plc Virgin Money plc How the Main Scheme works For privacy reasons Vimeo needs your permission to be loaded. For more details, please see our Privacy policy. I ACCEPT 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. FIND OUT MORE 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. FIND OUT MORE FAQ's Answers to the most common questions regarding who we are and what we do FIND OUT MORE Funding Recipients England The Oversight Trust Big Society Capital Access Fair4All Finance Youth Futures Foundation Devolved Administrations The National Lottery Community Fund - Wales The National Lottery Community Fund - Scotland The National Lottery Community Fund - Northern Ireland Participant Portal Keep In Touch Authorised and regulated Cookies Freedom of Information Privacy Policy Security Slavery & Human Trafficking Statement Terms and conditions ©2016-2021 Reclaim Fund Ltd.