Also known as: Ford Credit; Ford Credit Europe; Ford Money; Ford Motor Credit; Ford Business Centre
FCE Bank PLC is a UK-incorporated public limited company and European banking subsidiary of Ford Motor Credit Company (a wholly owned subsidiary of Ford Motor Company, USA). Incorporated 3 September 1963 as Ford Motor Credit Company Limited; renamed Ford Credit PLC in 1991, Ford Credit Europe PLC in 1993, and FCE Bank PLC in 1998. FCE Bank received its UK banking licence in 1997. Provides consumer and business motor finance under the 'Ford Credit' and 'Ford Credit Europe' trading names, and retail savings products under the 'Ford Money' trading name. Principal UK customer contact via ford.co.uk/finance. Dual-regulated by PRA and FCA. Subject to FCA motor finance DCA investigation and PS26/3 redress scheme.
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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 and social proof
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.
Ask Fin gives you simple money tools for budgeting, spotting savings, checking possible benefit areas and building better money habits. General guidance only — not regulated financial advice.
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