Cater Allen Limited Credit Rating
Cater Allen Limited has no public long-term credit rating from S&P, Moody's or Fitch. 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.
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Frequently asked questions about Cater Allen Limited
Is Cater Allen Limited safe?
Cater Allen Limited has no public long-term credit rating from S&P, Moody's or Fitch. 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 Cater Allen Limited's credit rating?
Cater Allen Limited has no public long-term credit rating from S&P, Moody's or Fitch. Cater Allen Limited's 2024 accounts give no credit rating of its own, citing only the ratings of Santander UK plc, and Santander UK's credit-ratings page lists Santander UK plc, Santander UK Group Holdings plc and Santander Financial Services plc but not Cater Allen.
Is Cater Allen Limited 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. Cater Allen Limited is recorded with FCA reference 178737. 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 Cater Allen Limited?
Cater Allen Limited is owned by Santander UK plc (Banco Santander). 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.