Charter Court Financial Services Limited Credit Rating
Charter Court Financial Services Limited holds a blended long-term credit rating of BBB — the "Upper Medium" band, which is investment grade, with a stable outlook. That figure combines the latest long-term issuer ratings from Fitch onto a single comparable scale, and indicates an adequate capacity to meet its financial commitments, though it is more exposed to adverse economic conditions than higher-rated institutions. Charter Court Financial Services Limited is owned by OSB Group plc (listed), via OneSavings Bank plc. A credit rating measures an institution's ability to meet its financial obligations — it is an opinion, not a guarantee, and it is separate from deposit protection.
Brands that trade under this licence and share its rating and FSCS limit: Charter Savings Bank
Charter Court Financial Services Limited
FCA: 494549
24 October 2026
2008
Charter Court Financial Services credit ratings by agency
| Agency | Long-term rating | Outlook | Last confirmed |
|---|---|---|---|
| Fitch Ratings | BBB | Stable | 5 Aug 2026 |
Rating History Chart
Rating History
| Date | Rating | Agencies |
|---|---|---|
24 Oct 2026 |
Fitch |
Service record: complaints, incidents and customer survey
Complaints: in the FCA's 2026 H1 file (January 2026 to June 2026), Charter Court Financial Services received 836 banking and credit-card complaints, 2.84 per 1,000 accounts. The bank upheld 48% of those it closed and closed 56% within three days. The previous period was 2.69 per 1,000, so complaints rose. Compare all banks.
Latest News
Frequently asked questions about Charter Court Financial Services Limited
Is Charter Court Financial Services Limited safe?
Charter Court Financial Services Limited currently holds a blended long-term credit rating of BBB, which is investment grade and indicates an adequate capacity to meet its financial commitments, though it is more exposed to adverse economic conditions than higher-rated institutions. A credit rating is an independent opinion on an institution's ability to meet its financial obligations; it is not a guarantee and can change. 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 Charter Court Financial Services Limited's credit rating?
Charter Court Financial Services Limited has a blended long-term credit rating of BBB, with a stable outlook. This blends the most recent long-term issuer ratings from Fitch, mapped onto a common scale so ratings expressed in different agencies' notation can be compared directly.
Is Charter Court Financial Services 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. Charter Court Financial Services Limited is recorded with FCA reference 494549. 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 Charter Court Financial Services Limited?
Charter Savings Bank is a trading name of Charter Court Financial Services Limited (company 06749498, FRN 494549), which describes itself as part of OSB Group. OSB acquired the Charter Court group on 4 October 2019. Since 22 September 2025 its immediate parent has been OneSavings Bank plc (75% or more of shares and votes), whose own parent is OSB Group plc. It still has its own authorisation and its own £120,000 FSCS limit, separate from Kent Reliance.
What does a BBB credit rating mean?
BBB sits in the "Upper Medium" band, indicating an adequate capacity to meet its financial commitments, though it is more exposed to adverse economic conditions than higher-rated institutions. Ratings of BBB- (or Baa3 on Moody's scale) and above are considered investment grade; anything below that is regarded as speculative, sometimes called "high yield". Ratings are reviewed periodically and can be upgraded or downgraded.
What is Charter Court Financial Services Limited's Fitch rating?
Fitch rates Charter Court Financial Services Limited BBB (long-term) with a stable outlook, as read from the bank's own published disclosures and last confirmed on 5 August 2026.
When did Charter Court Financial Services Limited's credit rating last change?
Charter Court Financial Services Limited's blended rating has stood at BBB since 24 October 2026, the most recent change in our records. Ratings are re-checked automatically and this page updates when an agency revises its assessment.