Also known as: Ford Credit; Ford Credit Europe; Ford Money; Ford Motor Credit; Ford Business Centre
FCE Bank plc is the captive finance bank of Ford Motor Company in the UK and Europe. It provides vehicle finance products for new and used Ford and Lincoln vehicles through the Ford Credit brand, arranged through authorised Ford dealerships at the point of sale.
Products include Personal Contract Purchase (PCP), Hire Purchase (HP), and business finance options. PCP is widely used for new Ford vehicles, offering lower monthly payments with an optional final payment. At the end of a PCP agreement, customers can hand the vehicle back, pay the optional final payment to own it, or use any equity towards a new deal.
FCE Bank plc is a PRA-regulated bank, meaning it is dual-regulated by both the Prudential Regulation Authority and the Financial Conduct Authority. It operates across multiple European markets and is headquartered in the UK.
FCE Bank has been part of the broader motor finance industry under FCA scrutiny regarding historical commission arrangements. If you have or had a Ford Credit finance agreement, the FCA's published consumer guidance on motor finance is relevant.
If you have a Ford Credit agreement and need to contact them, visit fcebank.com or the Ford Credit section of ford.co.uk. FCE Bank plc is authorised by the Prudential Regulation Authority and regulated by both the PRA and the Financial Conduct Authority.
If you are struggling with Ford Credit repayments, contact them directly. Free debt advice is available from StepChange on 0800 138 1111 or National Debtline on 0808 808 4000.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from FCE Bank PLC’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Personal Contract Purchase (PCP); Hire Purchase (HP); Personal Contract Hire (PCH); Fleet and business finance; Ford Money savings accounts (Easy Access, Fixed Term, Cash ISA); Dealer floor plan finance; Commercial vehicle finance; Red Carpet Lease; Options (Ford's PCP product)
Trading names and group notes
Previous company names: Ford Credit Europe PLC (1993–1998), Ford Credit PLC (1991–1993), Ford Motor Credit Company Limited (1963–1991). Operates across multiple European markets from its UK base. Ford Money savings brand (fordmoney.co.uk) targets retail savers with Easy Access, Fixed Term and Cash ISA accounts. FCA has issued warning about fraudulent clone site fordmoneysavers.com (not affiliated). PRA-authorised bank. Member of the Finance and Leasing Association (FLA). Ford Credit Europe operates a pan-European investor relations and ABS programme from the Laindon headquarters.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
Not verified (no dedicated Ford Credit / FCE Bank Trustpilot profile; Ford Money has approx. 477 reviews with mixed sentiment)
Not verified (Ford Money at fordmoney.co.uk: approx. 477 reviews) reviews
Other review sources
FCA FRN 204469 confirmed (PRA-authorised, FCA-regulated); Companies House status Active (public limited company, confirmed); FCA warning issued re fraudulent clone site fordmoneysavers.com (confirmed not FCE Bank); Finance and Leasing Association (FLA) member; Ford Money Trustpilot profile at uk.trustpilot.com/review/fordmoney.co.uk (~477 reviews, mixed sentiment); Ford Money savings accounts reviewed on finder.com and tradersunion.com; CompareB anks.co.uk FCE Bank profile; thebanks.eu FCE Bank profile (Bank ID 14339); FordPass app available for account management; Ford Money phone: 0345 744 0022 (savings); Ford Credit customer phone: 0345 712 5490; Subject to FCA PS26/3 motor finance redress scheme for DCA agreements
Overall public sentiment
No dedicated Ford Credit Trustpilot profile. Ford Money savings product reviews are mixed — positive for competitive rates and easy online access; negative themes include lack of standard sort code/account number, slow transfers, and customer service accessibility. Ford Credit motor finance complaints are primarily handled via Ford UK complaint processes. Active DCA claims management activity.
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Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.
Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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