As of 29 September 2008 all of Bradford & Bingley's retail branches and its savings accounts were transferred to Abbey. From 11 January 2010 these will be rebranded Santander.
The remainder of the business was taken into public ownership by the government. This means that Bradford & Bingley are still responsible for servicing the needs of customers with existing mortgages and insurance policies. In addition, Bradford & Bingley are also still responsible for servicing protection policies and certain investment products depending on when they were sold.