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Seven CAF Bank golden rules to protect charities

Most of the people reading this blog will have, at some point, received a text message, email or call pressuring you into making a payment, clicking a link, or sharing sensitive information that would put you at risk.

Fraud is now the most common crime in England and Wales, accounting for around 40% of all crime. No organisation is immune. According to the latest 2023 Charity Fraud Report, 43% of charities reported fraud or attempted fraud in the previous 12 months, and 36% said they had experienced more instances of fraud than the year before.  As the techniques and technologies fraudsters use evolve, it’s crucial to stay aware of the risks and the steps we can take to protect ourselves from fraud. 

As the techniques and technologies fraudsters use evolve, it’s crucial to stay aware of the risks and the steps we can take to protect ourselves from fraud. 


Common tactics used by fraudsters

Below are some of the tactics commonly used by fraudsters today to look out for: 

Stop and think, if the person and/or organisation you’re communicating with:

  • Makes you feel pressured into disclosing information or making a payment to avoid a penalty.
  • Offers goods for sale at an unusually low price or for a limited time.
  • Uses a suspicious email address disguised or one disguised to look like it’s from a trusted source.
  • Tells you that you need to move money out of your account or withdraw cash to assist a fraud investigation.
  • Asks you to make a payment using a Money Transfer Service, by buying a Gift Card, or using a ‘friends and family’ payment option.

CAF Bank’s seven golden rules

Here are our seven golden rules to help you spot the difference between a genuine communication and a scammer impersonating CAF Bank.

At CAF Bank we will never:

  1. Request your PIN number, One-Time Passcode or full password for telephone and online banking.
  2. Ask you to give us remote access to your device.
  3. Text or email you with a link to make or authorise a payment.
  4. Tell you your money isn’t safe, or your account is at risk.
  5. Ask you to make an urgent payment from your account.
  6. Ask you to send or give us your Business card, cheque book and/or cash.
  7. Direct you to web pages requesting sensitive and/or security information.

Further information and advice

You can find further guidance on keeping yourself and your accounts safe from fraud at www.cafonline.org/security-centre


How to report fraud

If you notice unusual activity on your CAF Bank account, contact our Customer Service Team on 03000 123 606 (Monday to Friday, 9am – 5pm, except public holidays). Outside of these hours, please leave a message including your name, organisation, telephone number and brief details and we will return your call on the next business day.

In addition, if you suspect that your Business card may be being used fraudulently, please call our Lost and Stolen number immediately on 03000 123 606. This service is available at all times. 

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)


Log in to CAF Bank Online

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.