Owned by you: the website for customers and members of financial mutuals

Welcome to ‘Owned by You’, brought to you by The Association of Financial Mutuals.

There are literally hundreds of mutual organisations in the UK, affecting the lives of over 20 million of us, that’s 1 in 3 of the total population.

At the Association of Financial Mutuals, we believe in mutuality as a better way to run a business and look after customers. We represent 53 member companies, and are also here to provide information to, and protect the interests of you, customers and members of Financial Mutuals.

Mutuals: Owned By You...

Mutuals have built an enviable reputation of working hard for their customers and are different from most companies because they are not owned by shareholders. That means customers are also ‘members’ who effectively own the business.

Meet our Members

We represent 53 member companies. Green Arrow See them all

Mutuality for you

Are you a member of a mutual?

Mutuals include a broad and diverse range of organisations from Building Societies to Insurance Companies and Building Societies to Credit Unions and Football Supporter Trusts.

Latest poll

Managing your money: fun or not?


Your views

You and money

Our independent research gives a fascinating perspective on what money really means to ordinary people...

“My relationship with money has been a lot more straight forward than my relationships with people..."

Alistair: aged 37