Kawai ES520 Digital Piano; White Home Package
Kawai ES520 Digital Piano; White Home Package
Kawai ES520 Digital Piano; White Home Package
Kawai ES520 Digital Piano; White Home Package
SKU:Product Code: ES520W-HOME
Awaiting Stock - Pre Order
Kawai ES520 Digital Piano; White Home Package
£1,049
Kawai ES520 Portable Piano Home Package; White
Hand-Picked Accessories Included In this Bundle:
- Kawai HM5 Wooden Piano Stand
- F302 Triple Pedal Unit
- Kawai F10H Metal Piano-Type Sustain Pedal (in box)
- Detachable Music Rest (in box)
Are you looking for a portable digital piano that offers improved quality over entry-level models without the price tag of the flagship instruments? The Kawai ES520 might just be the perfect instrument for you! Sharing many features found in the top-of-the-range model, the ES520 bridges the gap between entry-level and premium at an affordable price.
There has always been a huge gulf in between the price of the entry level and flagship portable pianos from all manufacturers. This is a first for Kawai - a digital piano which is positioned slap-bang in the middle of the price range and will appeal to many people who want more than the entry-level instruments can offer.
34 Authentic Sounds
The ES520 is equipped with a total of 34 on-board authentic instrument sounds. In addition to 8 convincing acoustic piano sounds created using Progressive Harmonic Imaging sound technology with 88-key stereo sampling, there are 5 x E.Piano's, 5 x Organs (tonewheel and classical), 4 x Clav/Harpsichord/Mallet sounds, 7 x strings & choir ensembles, and 5 x bass voices for split keyboard performance.
Various split and layer modes are available - two voices can be layered or split across the keyboard (user-definable split point). Maximum polyphony is 192 notes.
Responsive Hammer Compact II keyboard actionDeveloped alongside the RH3 keyboard found in the flagship ES920, the Kawai RH Compact 2 keyboard delivers a superb touch in a more compact and lightweight package which makes it ideal for use in the ES520. Matte key surfaces and sturdy construction results in a firm, balanced feel and the spring-less technology results in a smooth, natural playing experience.
Powerful On-Board Amplification & SpeakersJust like the flagship model, the ES520 features a powerful motherboard & amplification system developed with premium Hifi manufacturer Onkyo. The 40w speaker system delivers a rich, vibrant sound, never-before-seen at this price point.
Bluetooth Audio + MIDIThe ES520 allows connection via Bluetooth for both streaming music through the instrument's onboard speaker system, or for communication with Apps on your iOS/Android device. Coming soon after launch will be the new Kawai Piano Remote app - control the piano's features wirelessly using the touchscreen of your smart device!
Complete The Look With Optional Wooden StandAvailable as an additional purchase, the Kawai HM5 wooden piano stand gives your ES520 a modern image - ideal for the contemporary home. The Kawai HM3 pedal bar can also be added to complete the stylish piano package.
Studio-Quality Effects To Enhance Your SoundIn recording studios and on stage, digital effects are added to the sound in order to enhance the tone, or create bespoke sounds that are unique to the performer. The Kawai ES520 has the same powerful effects processors found in the higher range model and these give immense control over your final sound. The effects processor is divided into three sections, all of which can be activated at the same time:
REVERB:Reverb adds an ambience to the overall sound - the kind of 'echo' you hear when talking in a large concert hall or cathedral. The ES520 offers six different reverb effect - and you have control over the reverb depth and time individually for each: Room, Lounge, Small Hall, Concert Hall, Live Hall, Cathedral.
MULTI EFFECTS:Multi-effects are widely used to enhance the sound of musical instruments. The ES520 is equipped with a choice of sixteen multi-effects: Mono Delay, Ping Delay, Triple Delay, Chorus, Classic Chorus, Ensemble, Tremolo, Classic Tremolo, Vibrato Tremolo, Auto Pan, Classic Auto Pan, Phaser, Classic Phaser, Compressor, Rotary 1, Rotary 2.
AMP SIMULATOR:The onboard amp simulator allows you to recreate the 'dirty' sound of instruments such as E.Pianos, Organs and Clavs being routed through a vintage amplifier. There are separate controls for Drive, Level, EQ Low, EQ High on each of the three amp models.
Virtual Technician Function - Create Your Unique Piano SoundKawai's popular Virtual Technician feature allows you to modify the acoustic piano voices to your own taste. You have full control over parameters including Touch Curve, Voicing, Resonance & Noise, Temperament & Tuning, Hammer Delay and pedal response. You can save your own unique piano voices for instant recall.
On-board RecorderRecord your performance with the onboard 50,000 note recorder. The ES520 stores up to 3 of your own performances. Ideal for listening back to check your accuracy when learning new pieces, or just for fun! Your songs can be saved to a USB stick for storage. Standard MIDI Files (SMF) can also be played back from an external USB storage device.
Metronome & Drum RhythmsThere's a built-in metronome offering multiple time signatures and tempos, as well as 100 drum rhythms which make practice even more fun!
Connectors
LINE IN (1/8" STEREO), LINE OUT (1/4" L/MONO, R [unbalanced]), Headphones x 2 (1/4”, 1/8”), MIDI (IN/OUT), USB to Host, USB to Device, DAMPER (for F-10H), DAMPER/SOFT/SOSTENUTO (for GFP-3/F-302)
3 Year Manufacturer Warranty
Every brand new Kawai ES520 piano purchased from Bonners is sold with a 3-year manufacturer-backed UK warranty for complete peace of mind.
Other Notable Features
- F-10H damper pedal (with half-pedal support)
- Display: 128 x 64 pixel OLED
- 28 Registration memories for storing your own settings
- Transpose
- Tone Control (incl. Brilliance, UserEQ)
- Tuning
- Auto Power Off / Auto Display Off
- Bluetooth MIDI
- Bluetooth AUDIO
- Speakers On/Off control
Kawai ES520 Dimensions & Weight:
- Width 1340 / Depth 375 / Height 145 mm (Piano Only)
- Weight 14.5Kg (Piano Only)
Up to Three Months Free Piano App Access*
Upgrade your Kawai Piano Experience with free trials of three popular music-making apps for your smart device. To qualify for the free trial of the apps listed below, simply register your Kawai piano at the manufacturer's online registration portal after delivery.
Tomplay; Interactive sheet music with backing tracks
Tomplay is an interactive piano app that offers a diverse library of sheet music across many genres, allowing users to play along with accompaniments, adjust settings, and receive dynamic feedback for an engaging and educational musical experience.
Skoove; Piano Learning App
Skoove is a comprehensive piano learning app that caters to players of all levels, providing interactive lessons with real-time feedback, a diverse repertoire, and adaptability to individual learning styles.
Zapiano: Learn to play the piano from scratch
The Zapiano® method is based on logical, brain-friendly learning steps that anyone can quickly understand and that can be adapted to any level of play.
Apps free trial offer only applies to purchases of brand-new Kawai pianos from 6th January 2024. Kawai reserves the right to change or withdraw this offer at any time without notice.
If you're unsure which instrument or product is right for you, nothing compares to seeing, touching, and playing it in person before making a purchase. When you visit a Bonners Music store, you can explore a wide selection of pianos, keyboards, guitars, and related products to help you make the perfect choice. Our friendly and knowledgeable staff are always on hand to help you if you have any questions. Experience this model firsthand at any of our stores listed below. Please note that the colour of the display model in our showroom may differ from what is shown on this page.
Eastbourne Pianos & Keyboards
Address:
Bonners Piano & Keyboard Centre, 9 Faraday Close Eastbourne East Sussex BN22 9BH
Telephone:
01323 639335Milton Keynes
Address:
Bonners Piano & Keyboard Centre, 1 Ward Road Bletchley Milton Keynes MK1 1JA
Telephone:
01908 274957Reigate
Address:
Bonners Piano & Keyboard Centre, 46B Albert Road North Reigate Surrey RH2 9EL
Telephone:
01737 242174Authentic Responsive Hammer Compact II keyboard action |
Matte key surfaces, triple sensor hammer detection |
Progressive Harmonic Imaging sound engine with 88-key sampling |
Shigeru Kawai SK-EX and Kawai EX grand piano sounds |
Hardware developed in partnership w/Onkyo, 40W speaker system |
Integrated Bluetooth® MIDI and Audio wireless technology |
Standard MIDI, USB to Host/Device, Audio In/Out connectivity |
Spatial Headphone Sound for enhanced depth and realism |
Intuitive control panel layout with high quality OLED display |
Metronome |
F-10H damper pedal (with half-pedal support) Included |
28 Registration memories for creating your own settings |
Transpose |
Tone Control (incl. Brilliance, UserEQ) |
Auto Power Off / Auto Display Off |
Speakers On/Off control |
Width: 1340 / Depth: 375 / Height: 145mm |
Weight: 14.5 Kg |
Delivery ETA's
For accurate delivery information, please contact our sales team on sales@bonnersmusic.co.uk or call 01323 639335. As a guide, despatch times are detailed below.
Additional charges will be made for delivery of heavy items to some areas. Charges may also apply to upgrades including (but not limited to) timed deliveries, piano assembly, delivery of large items, and when matching deals from other retailers. If you are unsure about our delivery charges, please contact us.
In Stock Products
Products that are shown as in stock will be sent using our standard delivery service within 2 working days from when payment is received. This excludes piano deliveries with full installation - see below.
Pre-Order Products
Products which are shown as pre-order are not in stock, but can be ordered and reserved for you from the next available shipment. Order today to reserve your place in the queue! Call or email us for the latest lead times on pre-order products.
Digital Piano Deliveries:
We have many flexible delivery options for most delivery pianos, based on your location and whether you require it flat-packed, or fully assembled in your home. Digital piano delivery options are shown at checkout.
Piano Deliveries
If you purchase a piano which is supplied with full installation, we will contact you once your order is received to arrange a convenient delivery date & time. Delivery & installation is usually within 14 days, but often sooner. Call us for current lead times on pianos.
Digital Piano Deliveries For Self-Assembly
Click here to see our specific information relating to piano deliveries.
If you choose our courier delivery/flat pack delivery method, please be aware that with larger items such as digital pianos, the courier is not contracted to carry them up any steps or stairs. If there are stairs leading to the front door of the delivery address, or you live in an apartment which is not on pavement level, it is your responsibility to arrange transportation from the pavement level to the delivery address. In this instance, the delivery driver may, at their own discretion assist you in carrying the parcels to the delivery address, but they are not contracted nor obliged to do so.
Do you need delivery upstairs, or delivery at a specific time?
For some larger items which need to be delivered upstairs - including pianos, we offer a timed delivery service using our own van and drivers. This service is free on some items and chargeable on others. Call us on 01323 639335 to discuss your specific delivery requirements.
No-one at home?
Our courier will try and deliver your parcel(s) twice. After the second failed attempt, your goods will be returned to our warehouse. If you would like us to try and deliver them again, we will charge the delivery charges associated with your order again.
Delivery Surcharges For Larger Items
For some larger items, delivery surcharges may apply to the following areas: Scotland, Wales, Channel Islands, Isle Of Wight, Cornwall, Ireland, North Of England above Leeds. Call us on 01323 639335 to check before ordering.
If you're set on buying your new instrument, there's no need to get weighed down by the total cost of it straight away. If you break it down into monthly payments over time, it's much more manageable than you might think. And our fixed interest rates mean you'll know exactly what you're paying from the start.
How it works
The finance options available are displayed on our individual product pages - just click the button under the price to see the available options for each product. Finance is available for most new and used instruments over £400.
Pay a fixed deposit, and the rest is split into monthly payments. At the end of your contract when you've made your final payment, the instrument or equipment is all yours. You could own that dream guitar, piano or keyboard sooner than you thought!
Which Finance Options Are Available?
Most products on our website show the available finance options. Some are interest free, and some are interest bearing. The options shown on the site are an example of what is available - if you would like to pay over a different period, give us a call on 01323 639335 and we’ll try and arrange a finance option that suits your budget.
How To Apply For Finance
To apply for finance, please add the product to your cart, proceed through checkout and select 'Apply For Finance' as your payment option where you can complete the application form online.
The Lender
Bonners Ltd acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Bonners Ltd is authorised and regulated by the Financial Conduct Authority. Our registration number is 718966. Bonners Ltd is registered in England and Wales 1994113. Registered office 34 North St, Hailsham, East Sussex BN27 1DW.
Secure Trust Bank is registered in England and Wales 541132. Registered office: One Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550.
Not all products offered by Secure Trust Bank T/A V12 Retail Finance are regulated by the FCA
Kawai ES520 Portable Piano Home Package; White
Hand-Picked Accessories Included In this Bundle:
- Kawai HM5 Wooden Piano Stand
- F302 Triple Pedal Unit
- Kawai F10H Metal Piano-Type Sustain Pedal (in box)
- Detachable Music Rest (in box)
Are you looking for a portable digital piano that offers improved quality over entry-level models without the price tag of the flagship instruments? The Kawai ES520 might just be the perfect instrument for you! Sharing many features found in the top-of-the-range model, the ES520 bridges the gap between entry-level and premium at an affordable price.
There has always been a huge gulf in between the price of the entry level and flagship portable pianos from all manufacturers. This is a first for Kawai - a digital piano which is positioned slap-bang in the middle of the price range and will appeal to many people who want more than the entry-level instruments can offer.
34 Authentic Sounds
The ES520 is equipped with a total of 34 on-board authentic instrument sounds. In addition to 8 convincing acoustic piano sounds created using Progressive Harmonic Imaging sound technology with 88-key stereo sampling, there are 5 x E.Piano's, 5 x Organs (tonewheel and classical), 4 x Clav/Harpsichord/Mallet sounds, 7 x strings & choir ensembles, and 5 x bass voices for split keyboard performance.
Various split and layer modes are available - two voices can be layered or split across the keyboard (user-definable split point). Maximum polyphony is 192 notes.
Responsive Hammer Compact II keyboard actionDeveloped alongside the RH3 keyboard found in the flagship ES920, the Kawai RH Compact 2 keyboard delivers a superb touch in a more compact and lightweight package which makes it ideal for use in the ES520. Matte key surfaces and sturdy construction results in a firm, balanced feel and the spring-less technology results in a smooth, natural playing experience.
Powerful On-Board Amplification & SpeakersJust like the flagship model, the ES520 features a powerful motherboard & amplification system developed with premium Hifi manufacturer Onkyo. The 40w speaker system delivers a rich, vibrant sound, never-before-seen at this price point.
Bluetooth Audio + MIDIThe ES520 allows connection via Bluetooth for both streaming music through the instrument's onboard speaker system, or for communication with Apps on your iOS/Android device. Coming soon after launch will be the new Kawai Piano Remote app - control the piano's features wirelessly using the touchscreen of your smart device!
Complete The Look With Optional Wooden StandAvailable as an additional purchase, the Kawai HM5 wooden piano stand gives your ES520 a modern image - ideal for the contemporary home. The Kawai HM3 pedal bar can also be added to complete the stylish piano package.
Studio-Quality Effects To Enhance Your SoundIn recording studios and on stage, digital effects are added to the sound in order to enhance the tone, or create bespoke sounds that are unique to the performer. The Kawai ES520 has the same powerful effects processors found in the higher range model and these give immense control over your final sound. The effects processor is divided into three sections, all of which can be activated at the same time:
REVERB:Reverb adds an ambience to the overall sound - the kind of 'echo' you hear when talking in a large concert hall or cathedral. The ES520 offers six different reverb effect - and you have control over the reverb depth and time individually for each: Room, Lounge, Small Hall, Concert Hall, Live Hall, Cathedral.
MULTI EFFECTS:Multi-effects are widely used to enhance the sound of musical instruments. The ES520 is equipped with a choice of sixteen multi-effects: Mono Delay, Ping Delay, Triple Delay, Chorus, Classic Chorus, Ensemble, Tremolo, Classic Tremolo, Vibrato Tremolo, Auto Pan, Classic Auto Pan, Phaser, Classic Phaser, Compressor, Rotary 1, Rotary 2.
AMP SIMULATOR:The onboard amp simulator allows you to recreate the 'dirty' sound of instruments such as E.Pianos, Organs and Clavs being routed through a vintage amplifier. There are separate controls for Drive, Level, EQ Low, EQ High on each of the three amp models.
Virtual Technician Function - Create Your Unique Piano SoundKawai's popular Virtual Technician feature allows you to modify the acoustic piano voices to your own taste. You have full control over parameters including Touch Curve, Voicing, Resonance & Noise, Temperament & Tuning, Hammer Delay and pedal response. You can save your own unique piano voices for instant recall.
On-board RecorderRecord your performance with the onboard 50,000 note recorder. The ES520 stores up to 3 of your own performances. Ideal for listening back to check your accuracy when learning new pieces, or just for fun! Your songs can be saved to a USB stick for storage. Standard MIDI Files (SMF) can also be played back from an external USB storage device.
Metronome & Drum RhythmsThere's a built-in metronome offering multiple time signatures and tempos, as well as 100 drum rhythms which make practice even more fun!
Connectors
LINE IN (1/8" STEREO), LINE OUT (1/4" L/MONO, R [unbalanced]), Headphones x 2 (1/4”, 1/8”), MIDI (IN/OUT), USB to Host, USB to Device, DAMPER (for F-10H), DAMPER/SOFT/SOSTENUTO (for GFP-3/F-302)
3 Year Manufacturer Warranty
Every brand new Kawai ES520 piano purchased from Bonners is sold with a 3-year manufacturer-backed UK warranty for complete peace of mind.
Other Notable Features
- F-10H damper pedal (with half-pedal support)
- Display: 128 x 64 pixel OLED
- 28 Registration memories for storing your own settings
- Transpose
- Tone Control (incl. Brilliance, UserEQ)
- Tuning
- Auto Power Off / Auto Display Off
- Bluetooth MIDI
- Bluetooth AUDIO
- Speakers On/Off control
Kawai ES520 Dimensions & Weight:
- Width 1340 / Depth 375 / Height 145 mm (Piano Only)
- Weight 14.5Kg (Piano Only)
Up to Three Months Free Piano App Access*
Upgrade your Kawai Piano Experience with free trials of three popular music-making apps for your smart device. To qualify for the free trial of the apps listed below, simply register your Kawai piano at the manufacturer's online registration portal after delivery.
Tomplay; Interactive sheet music with backing tracks
Tomplay is an interactive piano app that offers a diverse library of sheet music across many genres, allowing users to play along with accompaniments, adjust settings, and receive dynamic feedback for an engaging and educational musical experience.
Skoove; Piano Learning App
Skoove is a comprehensive piano learning app that caters to players of all levels, providing interactive lessons with real-time feedback, a diverse repertoire, and adaptability to individual learning styles.
Zapiano: Learn to play the piano from scratch
The Zapiano® method is based on logical, brain-friendly learning steps that anyone can quickly understand and that can be adapted to any level of play.
Apps free trial offer only applies to purchases of brand-new Kawai pianos from 6th January 2024. Kawai reserves the right to change or withdraw this offer at any time without notice.
If you're unsure which instrument or product is right for you, nothing compares to seeing, touching, and playing it in person before making a purchase. When you visit a Bonners Music store, you can explore a wide selection of pianos, keyboards, guitars, and related products to help you make the perfect choice. Our friendly and knowledgeable staff are always on hand to help you if you have any questions. Experience this model firsthand at any of our stores listed below. Please note that the colour of the display model in our showroom may differ from what is shown on this page.
Eastbourne Pianos & Keyboards
Address:
Bonners Piano & Keyboard Centre, 9 Faraday Close Eastbourne East Sussex BN22 9BH
Telephone:
01323 639335Milton Keynes
Address:
Bonners Piano & Keyboard Centre, 1 Ward Road Bletchley Milton Keynes MK1 1JA
Telephone:
01908 274957Reigate
Address:
Bonners Piano & Keyboard Centre, 46B Albert Road North Reigate Surrey RH2 9EL
Telephone:
01737 242174Authentic Responsive Hammer Compact II keyboard action |
Matte key surfaces, triple sensor hammer detection |
Progressive Harmonic Imaging sound engine with 88-key sampling |
Shigeru Kawai SK-EX and Kawai EX grand piano sounds |
Hardware developed in partnership w/Onkyo, 40W speaker system |
Integrated Bluetooth® MIDI and Audio wireless technology |
Standard MIDI, USB to Host/Device, Audio In/Out connectivity |
Spatial Headphone Sound for enhanced depth and realism |
Intuitive control panel layout with high quality OLED display |
Metronome |
F-10H damper pedal (with half-pedal support) Included |
28 Registration memories for creating your own settings |
Transpose |
Tone Control (incl. Brilliance, UserEQ) |
Auto Power Off / Auto Display Off |
Speakers On/Off control |
Width: 1340 / Depth: 375 / Height: 145mm |
Weight: 14.5 Kg |
Delivery ETA's
For accurate delivery information, please contact our sales team on sales@bonnersmusic.co.uk or call 01323 639335. As a guide, despatch times are detailed below.
Additional charges will be made for delivery of heavy items to some areas. Charges may also apply to upgrades including (but not limited to) timed deliveries, piano assembly, delivery of large items, and when matching deals from other retailers. If you are unsure about our delivery charges, please contact us.
In Stock Products
Products that are shown as in stock will be sent using our standard delivery service within 2 working days from when payment is received. This excludes piano deliveries with full installation - see below.
Pre-Order Products
Products which are shown as pre-order are not in stock, but can be ordered and reserved for you from the next available shipment. Order today to reserve your place in the queue! Call or email us for the latest lead times on pre-order products.
Digital Piano Deliveries:
We have many flexible delivery options for most delivery pianos, based on your location and whether you require it flat-packed, or fully assembled in your home. Digital piano delivery options are shown at checkout.
Piano Deliveries
If you purchase a piano which is supplied with full installation, we will contact you once your order is received to arrange a convenient delivery date & time. Delivery & installation is usually within 14 days, but often sooner. Call us for current lead times on pianos.
Digital Piano Deliveries For Self-Assembly
Click here to see our specific information relating to piano deliveries.
If you choose our courier delivery/flat pack delivery method, please be aware that with larger items such as digital pianos, the courier is not contracted to carry them up any steps or stairs. If there are stairs leading to the front door of the delivery address, or you live in an apartment which is not on pavement level, it is your responsibility to arrange transportation from the pavement level to the delivery address. In this instance, the delivery driver may, at their own discretion assist you in carrying the parcels to the delivery address, but they are not contracted nor obliged to do so.
Do you need delivery upstairs, or delivery at a specific time?
For some larger items which need to be delivered upstairs - including pianos, we offer a timed delivery service using our own van and drivers. This service is free on some items and chargeable on others. Call us on 01323 639335 to discuss your specific delivery requirements.
No-one at home?
Our courier will try and deliver your parcel(s) twice. After the second failed attempt, your goods will be returned to our warehouse. If you would like us to try and deliver them again, we will charge the delivery charges associated with your order again.
Delivery Surcharges For Larger Items
For some larger items, delivery surcharges may apply to the following areas: Scotland, Wales, Channel Islands, Isle Of Wight, Cornwall, Ireland, North Of England above Leeds. Call us on 01323 639335 to check before ordering.
If you're set on buying your new instrument, there's no need to get weighed down by the total cost of it straight away. If you break it down into monthly payments over time, it's much more manageable than you might think. And our fixed interest rates mean you'll know exactly what you're paying from the start.
How it works
The finance options available are displayed on our individual product pages - just click the button under the price to see the available options for each product. Finance is available for most new and used instruments over £400.
Pay a fixed deposit, and the rest is split into monthly payments. At the end of your contract when you've made your final payment, the instrument or equipment is all yours. You could own that dream guitar, piano or keyboard sooner than you thought!
Which Finance Options Are Available?
Most products on our website show the available finance options. Some are interest free, and some are interest bearing. The options shown on the site are an example of what is available - if you would like to pay over a different period, give us a call on 01323 639335 and we’ll try and arrange a finance option that suits your budget.
How To Apply For Finance
To apply for finance, please add the product to your cart, proceed through checkout and select 'Apply For Finance' as your payment option where you can complete the application form online.
The Lender
Bonners Ltd acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Bonners Ltd is authorised and regulated by the Financial Conduct Authority. Our registration number is 718966. Bonners Ltd is registered in England and Wales 1994113. Registered office 34 North St, Hailsham, East Sussex BN27 1DW.
Secure Trust Bank is registered in England and Wales 541132. Registered office: One Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550.
Not all products offered by Secure Trust Bank T/A V12 Retail Finance are regulated by the FCA