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Ikano Bank AB (publ)
Legal entity: Ikano Bank AB (publ)
FCA register status: Authorised — the FCA’s own status for this firm reference, not our finding. See the FCA’s own record on the Financial Services Register.
Companies House BR016253
126banking decisions
31.7%uphold rate
86not upheld
What this firm loses on
| Issue | Decisions | Upheld | Uphold rate |
|---|---|---|---|
| Product mis-sold | 67 | 22 | 32.8% |
| Credit file reporting | 27 | 16 | 59.3% |
| Irresponsible lending | 13 | 4 | 30.8% |
| Complaint handling | 11 | 4 | 36.4% |
The official record
What the firm itself reports to the regulator, scoped to banking and credit complaints only. This is a different measure from the decisions above — it covers all complaints a firm received, not only those that reached an ombudsman. Firms report on periods set by the regulator, which are not always the calendar half-year the file was published under (shown below where they differ). No period-over-period change is calculated here — these are the reported figures only. See the scorecard for all three measures side by side.
| Source | Period | Upheld | Opened | Closed | New cases |
|---|---|---|---|---|---|
| FCA | 2025-H2 2025-07-01 to 2025-12-31 | 42.9% | 879 | 926 | — |
| FCA | 2025-H1 2025-01-01 to 2025-06-30 | 39.4% | 1,191 | 1,362 | — |
| FCA | 2024-H2 2024-07-01 to 2024-12-31 | 34.6% | 1,357 | 1,321 | — |
| FCA | 2024-H1 2024-01-01 to 2024-06-30 | 38.6% | 1,732 | 1,745 | — |
| FCA | 2023-H2 2023-07-01 to 2023-12-31 | 44.0% | 1,549 | 1,594 | — |
| FCA | 2023-H1 2023-01-01 to 2023-06-30 | 37.7% | 1,856 | 1,966 | — |
| FCA | 2021-H1 01-01-2021 to 30-06-2021 | 25.1% | 3,187 | 3,334 | — |
| FCA | 2020-H2 01-07-2020 to 31-12-2020 | 28.8% | 4,223 | 4,163 | — |
| FOS | 2025-H2 | 36.5% | — | — | 57 |
| FOS | 2025-H1 | 23.1% | — | — | 39 |
| FOS | 2024-H2 | 37.0% | — | — | 31 |
| FOS | 2024-H1 | 23.1% | — | — | 38 |
| FOS | 2023-H2 | 12.5% | — | — | 94 |
| FOS | 2023-H1 | 40.0% | — | — | 128 |
| FOS | 2022-H2 | 24.4% | — | — | 103 |
| FOS | 2022-H1 | 55.8% | — | — | 140 |
Decisions are attributed to a firm only where the decision text names it unambiguously. Where a name could refer to more than one firm, the decision is left unattributed rather than guessed, so these counts are a floor, not a total. Method.