Welcome to CAF Bank

The bank dedicated to supporting charities and social purpose enterprises. So we understand what you need.

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How we protect you

How we help to protect you

From dual authentication to encryption, we’re serious about your security.

Security is built-in

Online threats grow more sophisticated every day. That’s why we’re doing everything we can to make sure our security processes stay one step ahead, so you can bank with confidence. Here’s what you can expect.

Verifying your identity

We need to know it’s you trying to access your account. That includes making sure that your login details and password haven’t been compromised. We do this in a few ways.

1. Two-factor authentication

We provide two-factor authentication to verify your identity. So as well as entering your user ID and password, we’ll issue a unique code by text message or through the CAF Bank UniqueCode App. We recommend using the app. This will prevent any potential network delays receiving your code, and avoid the known security risks with SMS texts.

2. Keeping your account secure

To keep your account secure, you’ll need to generate a new unique code each time you:

Log in to your CAF Bank Online account
Authorise a payment
View or change your online banking details
Manage your online users

3. Limiting account access

We’ll also disable access to your account after a number of failed login attempts. If this happens, give us a call.

Text alerts

When changes happen on your account, we can let you know by text message. You can activate this service by logging into your CAF Bank Online account.

Once activated, we’ll send you an SMS to confirm when:

a payee is created
changes are made to a payee
your registered mobile phone number changes

This service is free and means you’ll get an instant notification of any changes made on your account.

Secure encryption

All our websites use 256-bit encryption. When you log in to your account you’ll see a padlock icon in the website URL bar – this shows that you’re accessing a secure connection.

We have additional firewalls on all our systems to prevent unauthorised access, and we encrypt all data before sending it over the internet.

We get our systems regularly tested and audited by independent security experts to make sure they are safe.

Inactivity timeouts

We automatically log you out of your account if your computer is inactive for a set period. This helps to make sure nobody else can access your account.

Working together to stay secure

Our systems are designed to be as secure as possible. But we can only protect your account if we have the right details. Let us know immediately if your key information changes, like:

Account contact details
Your organisation's address
Trustees

Or whenever Authorised signatories or Business cardholders leave your organisation.

Confirmation of Payee

We now offer Confirmation of Payee (CoP) to help protect you from Authorised Push Payment (APP) frauds. APP fraud is when a fraudster tricks you into making a payment to an account controlled by them. This is different from other kinds of scams, for example, when a fraudster steals money from your account without you knowing. With APP fraud, you authorise the payment under false pretences.

Confirmation of Payee is a bank account name-checking service and was introduced by the industry in June 2020 to combat fraud and misdirected payments.

Please see the section on Confirmation of Payee page for more details.

Contact us

CAF Accounts

including CAF Charity Account and individual donations, CAF Charitable Trust, CAF Company Account, CAF Donate and CAF Charity Dashboard.

03000 123 000

(9.00am - 5.00pm Monday to Friday, except public holidays)

CAF Bank customers

03000 123 456

(9am - 5pm Monday to Friday, except public holidays)

Seen a suspicious CAF or CAF Bank email?

Forward it to us:

scamreporting@cafonline.org

CAF Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 204451).

CAF Bank Limited Registered office is 25 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4JQ. Registered in England and Wales under number 1837656.