Wish I could give 0 stars! A clunky and old-fashioned website, which has become worse since the so-called "update". To top it all off, which modern day bank would carry out daysâ worth of website ma... ãã£ãšèŠã
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This really is the most appalling bank I have ever experienced. The latest now is that the website is down for an undetermined period of time - this could be hours or days. It is has been sheer misery... ãã£ãšèŠã
My husband and I have used CAF for many years as a simple way to donate to various charities. We have found it helps us to keep tabs on our giving for when we have to give this information to HMRC.... ãã£ãšèŠã
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Iâve been using CAF to put aside money for charitable giving. I love the way the tax is reclaimed allowing me more money to give. It is a very reliable platform which now, of course, is entirely d... ãã£ãšèŠã
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Charities Aid Foundation ã«ã€ããŠ
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CAF is a leading charity working at the centre of the giving world. We help donors to give more impactfully and charities to build their resilience so they can do more of their life-changing work.
To leave a review about CAF Bank, please visit their separate Trustpilot page.é£çµ¡å
25 Kings Hill Avenue, ME19 4TA, è±åœ
- 03000 123 000
- www.cafonline.org
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Terrible transition to new system
Been a terrible transition. Worked well previously. Have spent 10 days unable to access our church bank account. Bank phone line just goes dead when called...

Charities Aid Foundation ããã®åç
It's the response to faults, that distinguish the best companies
The new system implementation was bad. They then did not react adequately. nb. I can now pay (23rd).
1. OTPs not issued repeatedly (16th, 17th, 18th, 19th).
2 hours on phone then phone battery ran out (48th in queue) on 17th (worse on 16th). On 19th and morning of 23rd not even a queue, recorded message said not taking calls!
However, on the plus side, the response to my email was quick.

Charities Aid Foundation ããã®åç
Can only download 31 days transactionsâŠ
Can only download 31 days transactions at a time with the new system. Will probably have to change banks unless this is improved. Also the downloads don't always work, most times only get the headers and no actual transactions!

Charities Aid Foundation ããã®åç
Terrible banking experience
Our small charity has spent a significant amount of time and money on phone calls, just to gain access to a banking system that appears to have been corrupted. Dates are jumbled, balances don't tie in, direct debits have not been actioned, payments have not been made - it has resulted in a very stressful 10 days. We used up our £10 monthly phone credit in just one day of calls to the bank seeking help just to log in. We need reassurance from CAF Bank about progress on rectifying the system rather than requests to 'bear with us while we make these changes'. We are exceedingly concerned.

Charities Aid Foundation ããã®åç
The PRA should step in to review CAF's system
CAF seems to be presenting the difficulties with the new system as being operational snags. They are not.
Balances do not reconcile in that extracted data do not agree with statements; carry and brought forward balances differ; data are missing.
The simple fact is that clients data have been corrupted and balances cannot be relied upon.
The Prudential Regulation Authority should step in now, as these are 'systemically significant' issues, and a major systems failure. When a bank's numbers do not add up, it's time for serious action. Existing clients should consider changing provided IMHO, as there are big questions to ask about their competence.

Charities Aid Foundation ããã®åç
Don't waste your time
The online upgrade has been a shambles. The system cannot cope with the traffic, and information is lacking. Apparently CAF knew there was an issue with accessing their system via Chrome but no one has thought to communicate this to their users (I had to trouble shoot this for myself). I have spent 6 hours of my life in total on the phone waiting to speak to someone, and on more than one occasion I have been cut off before I can speak to someone. Their online messaging system is a waste of time and when I finally got a reply it said 'we can see you've got access' which is not true! I'm still waiting for one of my usernames. We have people who are still waiting on invoices to be paid, I have payroll due and I'm not confident I'll gain access in time to authorise it! Absolutely shocking to have our money held ransom by a system that isn't fit for purpose, and a bank that doesn't know how to fix it.

Charities Aid Foundation ããã®åç
A shamble
Well, now we are linked between QuickBooks and CAF but... when you update... the transactions don't come across from CAF!
Meanwhile... the 'alternative' ... downloading '31 days' of historical data and guess what, the balances at each end period - in the CSV files - don't match the balances in the 'Accounts Overview' nor do they provide the transactions done thus far in June!

Charities Aid Foundation ããã®åç
Untested, disasterous upgrade
Upgrade has been a total disaster, I was locked out for 2 days and colleague who approves payments cannot get access at all, repeated attempts to call helpline fail, are cut off, or told to call again later - average queue length is 100+. Historical balances are c£80k more than the actual balance, can't sort or search payees (pointlessly renamed as beneficiaries) no group payee lists have been brought across, slow system which times out frequently, Still can't delete more than one payee at a time, - this is no improvement - rather more several steps backwards, still no communications to account holders who are simply told to "bear with us while we sort a temporary issue" - I would suggest it is a lot more than that - and please don't post me a link the FAQ's which as as much use as a chocolate teapot!, 0/10
UPDATE 09/07 despite writing to Ben Jowitt and being assured of a reply to my numerous (and growing by the day) problems I have received nothing, he does not answer his phone, OTP are still not working as they should - hours to make 12 payments - NOT GOOD ENOUGH - we are sick of baring with CAF while they get this right, COO and other senior staff should walk.

Charities Aid Foundation ããã®åç
Can't get into new internet bankingâŠ
Can't get into new internet banking system. Changed password easily but CAF can't send one time passcode. After a long phone wait, got someone who checked all my details but left me hanging on for 30 minutes until I gave up. Conclusion is that system is seriously flawed and nobody has been trained to put it right. Charity is having to revert to cheques and trustees will have to decide whether to move to a bank that is more competent.

Charities Aid Foundation ããã®åç
A shambles and terrible service!
After the online change we have lost all our payee history (we have over 150). Iâve tried manually adding a couple and each one requires a separate Pin via phone authentication. Itâs so clunky and slow.
I tried phoning, emailing - mostly donât answer or reply - latest email says theyâve fixed the payee history problem - but they havenât !!! Iâm stuck - canât pay invoices. Avoid this bank.
Critical payment reference failure â unacceptable oversight
Since the CAF system upgrade on 9 June 2025, weâve experienced serious failures, particularly with outgoing payments. The most critical is that payment references are no longer passed on to recipients. This means our suppliersâmany of whom rely on invoice-matching via these referencesâare unable to reconcile payments.
Even when entering both our reference and the supplier reference into the system, no reference appears on the receiving bankâs side. We flagged this immediately on 10 June and were told it was being looked into, but no warning or guidance has been sent to other users. This is not a minor glitchâitâs a major operational failure that affects audit trails, payment matching, and potentially statutory payments to bodies like HMRC, where correct payee references are required by law.
Itâs unacceptable that CAF hasnât proactively communicated this fault. Every organisation using this system should be warned now. The lack of transparency is adding to the chaos caused by this poorly tested upgrade.

Charities Aid Foundation ããã®åç
A total shambles!
Yes, a total shambles with the changeover. We have been unable to pay any bills all week as 2 or us have not received passwords, or at least ones that work. And no response from CAF to completed forms and emails to resend passwords, only an email to say check my junk folder. Surely if they can send that email, they can just as easily send a password.
Who on earth thought they could do this changeover and take the old system offline in a matter of days, leaving no time to sort out issues? Did anyone test this system before implementation? It doesn't seem like it.
Update 16.6.25
After several emails and a week of trying, I've got a password and can now get into the system, as can our other users. Thanks to Ben Jowitt of Client Relations Dept. for sorting this out.
One noticeable issue, though, is that there's no way to get 'Beneficiaries' (they're Payees, aren't they?!) into alphabetical order, which is a pretty basic requirement.

Charities Aid Foundation ããã®åç
Unable to do anything in new onlineâŠ
Edit 16/06/2025
To add insult to injury CAF have now taken their monthly £5 bank charge 3 times in June with a strange narrative - capitalise. The new online system seems to have been written by developers with absolutely no knowledge of banking. After several attempts at creating a bulk payment template followed by a bulk payment request I managed to create one for approval yesterday but the first OTP code did not activate the continue button and I had to request a 2nd OTP that did work. I have 40 years accounting experience and used numerous online banking systems over the past 20 years and NEVER have I seen anything like this.
Unable to do anything in new online banking as it doesn't work. Creating new bulk payment templates doesn't work despite now being able to see some of the beneficiaries. Unable to authorise payments due to failure to transfer all users to the new platform. Looks like they've used old data or some sort of scrambled data. Clearly launched without testing at all.
For those who have already posted saying they didn't receive a temporary password - I managed to find mine with this guidance from CAF bank:
If you are an Android phone user & have not received your text message:
Please check the âSpam & Blockedâ folder on your phone. To access this folder:
Go to your âMessagesâ
Tap on you profile picture
Click on âSpam and Blockedâ
Look for a message from âcafbank6039â
If you are an iPhone user & you have not received your text message:
Please check whether or not you have a Filter set. To access this filter:
Go to your âMessagesâ
If there is a filter, this will appear in the top left corner
If you see this displayed, please click to show âUnknown Sendersâ
Look for a message from âcafbank6039â
If you are an iPhone user & you have deleted your text message:
Go to your âMessagesâ
If there is a filter, this will appear in the top left corner. If not, it will show âEditâ
Click on âFilterâ or âEditâ in the top left corner
Select âShow Recently Deletedâ
Look for a message from âcafbank6039â
If you are still unable to locate your text message:
Please request your login details to be resent to you by completing this form (link not included here)

Charities Aid Foundation ããã®åç
APPALLING BANK
APPALLING BANK
Well well well, what a surprise, CAF BANK you have excelled yourselves this time. 9th June 25, NEW improved log ins, system etc. SADLEY doesnât work, for 3 days now have not been able to access our charity funds. Absolute shambles of a bank. Thankfully no longer rely on this appalling company as our main bank. Said it before will say it once more. STEER CLEAR OF THIS BANK.

Charities Aid Foundation ããã®åç
New online banking system is a total failure
CAF Bank launched a new online system this week. They provided me with a new username but have failed to provide a password for me or my colleagues. We have no access to our bank account this week, and can not make payments which will soon be overdue. The CAF Bank telephone system has a recorded message saying they can not answer calls and please call back later. This is absolutely the worst service possible.

Charities Aid Foundation ããã®åç
Some comments on the new Online BankingâŠ
Some comments on the new Online Banking system....Why, oh why, have you removed the basic bank account format of credit and debit columns. Instead you have merged them into one column with positive and negative numbers. This means that downloads of transactions to put into my own accounts system need significant extra processing to split out that column into the usual two columns.
You have also changed the order of transactions - used to be oldest at top and newest at bottom...now it is reversed. Once again a significant impact on end user systems.
I've had to manually sort out "historical transactions" between 2nd June and 6th June - the data provided was not in date order but was all scrambled up.
On-line statements are not available post April 2025...I wait to see what these are like - hopefully a credit and debit column version like we used to receive (and which all other banks produce)!

Charities Aid Foundation ããã®åç
This upgrade is a mess
Unfortunately despite helpful staff (when you get through to them) currently their phone message since 9am says call back later. They haven't responded to emails either. I appreciate they are swamped, but currently I cannot pay our suppliers as the person authorising can't gain access.
To top it off, the 'historical transactions' are showing the dates out of order, with no way of sorting, and the balances are incorrect. I can no longer connect to QuickBooks, none of our group payees have been brought over (which requires adding them again, and the new group template will not allow selection of beneficiaries yet. To top it off user interface wise it's actually worse than the last platform!
This is not down to the staff, but the developers and it is an absolute mess. It clearly wasn't ready to launch. Had no updated emails from CAF as to progress.

Charities Aid Foundation ããã®åç
Nothing other than I expected
CAF launched a new online banking system on Monday. I had previously received an email with a username, informing me that my temporary password would be sent by SMS. I waited until launch day but still no password. I called CAF customer services at various times on Monday and Tuesday to learn that they weren't accepting phone calls. There was simply a recorded greeting telling customers to call back later. Presumably they had messed up the launch of the new system on such a massive scale that they were being inundated with more calls than they could manage. Today, on Wednesday, they are now accepting calls. In the time I have been waiting, I have done my dishes, cleaned the kitchen, cooked and eaten a meal, responded to correspondence, and set up a charity fundraiser. At the time of writing, I have been waiting for 2 hours and 14 minutes. Tomorrow, I am expecting news that means my charity will need to engage in a number of financial transactions, so I cannot wait for the 5-day estimate turnaround on their online support form that I filled in on Monday.
EDIT: I was connected shortly after submitting this review. It turns out the reason I didn't receive the SMS with my password is because they sent it to my old phone number. I changed my number in January last year and updated it with CAF. They have been successfully sending me messages to my new number for 15 months, but for some reason, with this new online banking system, they have managed to dig out my old number from somewhere and use that instead. The only positive thing about the whole experience was the agent who immediately identified and resolved both this problem and the problem that led to my last review of CAF.

Charities Aid Foundation ããã®åç
A complete fiasco
In the past two weeks they completely messed up the transfer of account holder for our charity, leading to me spending nearly two hours talking to people who never seemed to have the full picture. Just got that sorted and the 'upgrade' is turning into a complete mess, meaning I can't make payments which are due. Have made repeated attempts to activate my new user ID and password today, without success. Unable to get any response to phone calls.

Charities Aid Foundation ããã®åç
New internet banking
New, more up-to-date online banking system from CAF is very welcome but they've had days of issues with it. Can't log on and when you call for assistance you get cut off every time. Not really good enough!

Charities Aid Foundation ããã®åç
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