Charter Savings Bank Credit Rating
Charter Savings Bank is not a bank in its own right: it is a trading name of Charter Court Financial Services Limited (FCA firm reference 494549), part of OSB Group. Credit rating agencies rate the licence holder, not the brand, so Charter Savings Bank has no rating of its own. Charter Court Financial Services Limited currently holds a blended long-term credit rating of BBB, which is investment grade; that is the rating shown on this page. Charter Savings Bank is a trading name of Charter Court Financial Services Limited, part of OSB Group and a subsidiary of OneSavings Bank plc since 22 September 2025. It remains separately licensed, so its savings have their own £120,000 limit, separate from Kent Reliance's. A credit rating is an opinion on an institution's ability to meet its obligations, not a guarantee, and it is separate from deposit protection.
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.
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Frequently asked questions about Charter Savings Bank
Is Charter Savings Bank safe?
Charter Savings Bank operates under Charter Court Financial Services Limited's banking licence, and Charter Court Financial Services Limited holds a blended long-term credit rating of BBB, which is investment grade. A rating is an independent opinion on the institution's ability to meet its obligations; it is not a guarantee and can change. Separately, eligible deposits with UK-authorised banks and building societies are protected by the FSCS up to £120,000 per person per banking licence. This page is information about published credit ratings, not financial advice.
What is Charter Savings Bank's credit rating?
Charter Savings Bank has no rating of its own. Its licence holder, Charter Court Financial Services Limited, has a blended long-term credit rating of BBB from Fitch; the per-agency figures are shown above.
Which bank is Charter Savings Bank part of?
Charter Savings Bank is a trading name of Charter Court Financial Services Limited, FCA firm reference 494549, part of OSB Group. Charter Savings Bank is a trading name of Charter Court Financial Services Limited, part of OSB Group and a subsidiary of OneSavings Bank plc since 22 September 2025. It remains separately licensed, so its savings have their own £120,000 limit, separate from Kent Reliance's.
Does Charter Savings Bank share a licence with Kent Reliance?
No. Kent Reliance is separately licensed even though it is in the same group, so deposits there have their own £120,000 limit, separate from Charter Savings Bank's.