Ford Money Credit Rating
Ford Money is not a bank in its own right: it is a trading name of FCE Bank plc (FCA firm reference 204469), part of Ford. Credit rating agencies rate the licence holder, not the brand, so Ford Money has no rating of its own. FCE Bank plc currently holds a blended long-term credit rating of BBB, which is investment grade; that is the rating shown on this page. Ford Money is a trading style of FCE Bank plc, Ford Motor Company's European finance bank, which held £5.9 billion of UK retail deposits from about 138,000 Ford Money customers at the end of 2025. 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.
FCE Bank credit ratings by agency
| Agency | Long-term rating | Outlook | Last confirmed |
|---|---|---|---|
| Fitch Ratings | BBB- | Stable | 30 Jun 2026 |
| Moody's | Baa1 | Stable | 30 Jun 2026 |
| S&P Global Ratings | BBB- | Stable | 30 Jun 2026 |
Rating History Chart
Rating History
| Date | Rating | Agencies |
|---|---|---|
24 Oct 2026 |
S&P, Moody's, Fitch |
Service record: complaints, incidents and customer survey
Complaints: in the FCA's 2026 H1 file (January 2026 to June 2026), FCE Bank received 153 banking and credit-card complaints. The bank upheld 61% of those it closed and closed 86% within three days. Compare all banks.
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Frequently asked questions about Ford Money
Is Ford Money safe?
Ford Money operates under FCE Bank plc's banking licence, and FCE Bank plc 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 Ford Money's credit rating?
Ford Money has no rating of its own. Its licence holder, FCE Bank plc, has a blended long-term credit rating of BBB from S&P, Moody's, Fitch; the per-agency figures are shown above.
Which bank is Ford Money part of?
Ford Money is a trading name of FCE Bank plc, FCA firm reference 204469, part of Ford. Ford Money is a trading style of FCE Bank plc, Ford Motor Company's European finance bank, which held £5.9 billion of UK retail deposits from about 138,000 Ford Money customers at the end of 2025.