CAF Bank Ltd Credit Rating
CAF Bank Ltd does not currently have a public long-term credit rating from the major agencies, so no rating is shown here. That is common among smaller and newer UK banks and is not in itself a sign of financial weakness — ratings are typically sought by institutions that raise debt in wholesale markets. Eligible deposits with UK-authorised banks and building societies are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per eligible person, per banking licence (the limit rose from £85,000 on 1 December 2025). Where several brands share a single banking licence, that £120,000 limit is shared across those brands rather than applying to each one separately.
Rating History
Service record: complaints, incidents and customer survey
Complaints: in the FCA's 2025 H2 file (May 2025 to October 2025), CAF Bank received 1,060 banking and credit-card complaints, 40.86 per 1,000 accounts. The bank upheld 90% of those it closed and closed 7% within three days. Compare all banks.
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Frequently asked questions about CAF Bank Ltd
Is CAF Bank Ltd safe?
CAF Bank Ltd has no public long-term credit rating from the major agencies, so there is no rating to assess here. A missing rating is not evidence of weakness — many smaller and newer UK banks simply do not seek one. Separately, Eligible deposits with UK-authorised banks and building societies are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per eligible person, per banking licence (the limit rose from £85,000 on 1 December 2025). Where several brands share a single banking licence, that £120,000 limit is shared across those brands rather than applying to each one separately. This page is information about published credit ratings, not financial advice.
What is CAF Bank Ltd's credit rating?
CAF Bank Ltd does not have a publicly available long-term issuer credit rating from S&P, Moody's or Fitch.
Is CAF Bank Ltd covered by the FSCS?
Eligible deposits with UK-authorised banks and building societies are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per eligible person, per banking licence (the limit rose from £85,000 on 1 December 2025). Where several brands share a single banking licence, that £120,000 limit is shared across those brands rather than applying to each one separately. CAF Bank Ltd is recorded with FCA reference 204451. Because protection follows the banking licence rather than the brand, check the current position and which brands share a licence on the FSCS website before relying on it.
Who owns CAF Bank Ltd?
CAF Bank Ltd is owned by Charities Aid Foundation. Ownership matters for credit ratings because agencies often factor in the likelihood of support from a parent group, and because brands under the same banking licence share a single FSCS limit.