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military personnel customers


recruits received financial capability training since 2002


supporters of the Armed Forces Covenant



For over 200 years, Holt’s has been providing financial services expertise to British military personnel serving in the Forces (both Regulars and Reservists), many British Army regiments, Royal Navy ships and bases and Royal Air Force stations

Holt’s is proud of its long association with the miltary and has a strong connection with its clients. With two dedicated teams supporting both Ranked and Non-ranked officers, Holt’s serves some 25,000 military personnel across the world, from cadets to the most senior of staff and veterans, throughout their lives in a way that understands and suits them. 

From helping young recruits get that all important first cheque book before they turn 18, to providing specialised pension facilities to officers at the end of their military career, Holt’s provides a very specific and personalised service which is adaptable to meet the ever changing circumstances of military life. 

Holt’s prides itself on understanding the complexities of serving in the military, such as the flexibility clients need to rent out their home whilst away on postings, the need to fit banking around diverse working patterns and how having a barracks address can put individuals at a disadvantage when it comes to applying for credit. 

Holt’s participates in the Armed Forces Help to Buy Mortgage scheme and supports financial education of young recruits through training clinics across the UK in addition to offering banking products and services.


Holt’s can trace its origins back to around 1809 when William Kirkland set up in business as an army agent in London. At that time army agents kept the accounts of regiments, distributing pay and subsidies, dealing in supplies of clothing and equipment and administering claims for pensions and injury. Over time, Holt’s expanded its business by providing banking facilities to soldiers and their families.

During the First World War Holt's dealt with the pay of more than 65,000 army officers almost doubling its staff numbers to 850. The firm also began to develop similar connections with the other services. In 1915 Holt’s acquired the naval agent Woodhead & Co (est. c.1804) of Charing Cross, in London, and when the Royal Air Force was formed in 1918, Holt’s took on part of the official pay agency.

In 1976 Holt’s opened a branch in Farnborough, and in 1992 Holt’s business was brought together there when the London office in Whitehall closed. In 2003 the ‘Military Centre of Excellence’ was launched in Farnborough and Holt’s Military Bank expanded the scope and range of its services.

The Holt’s squirrel dates back to at least the 1920s. Some components of the emblem have varied over time. Colour was first introduced in 2003 to coincide with the launch of the ‘Military Centre of Excellence’ in Farnborough.


  • For the past 21 years, Holt’s has been the proud sponsor of the Royal Military Academy Boxing Club.

  • Holt's is a corporate partner for X-Forces, a charity that helps ex-Forces and their families start up businesses across the UK by providing them with start-up loans and mentoring services.

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