About CAF Bank
CAF Bank is the bank dedicated to charities and the
not-for-profit sector. CAF Bank aims to provide first class
banking services to charities at the lowest cost possible.
CAF Bank is a subsidiary of Charities Aid Foundation
(CAF) – a registered charity whose mission is to
motivate society to give, connecting donors with the
charities they want to support, large and small across
the country. As a result any surplus CAF Bank makes is
donated to CAF and therefore stays within the sector.
CAF Bank is authorised by the Prudential Regulation
Authority and regulated by the Financial Conduct
Authority and the Prudential Regulation Authority.
Reliable yet innovative
We were founded in 1986 as the first and only bank to
offer our services exclusively to charities and not-for-
profit organisations. Today, charities have over £1bn of
their funds deposited in over 30,000 CAF Bank accounts.
How we add value
We have been working with charities for over 30 years,
delivering solutions based on the needs of the sector,
so we are well placed to help you manage your money.
Our aim is to make it simple and straightforward so that
you can spend your time on the causes you care about.
n secure online banking offering dual authorisation
n business card – lets you make secure card payments
in pounds and in a foreign currency and make cash
withdrawals in pounds in the UK and in foreign
currency outside the UK from a network of cash
machines wherever you see the MasterCard
®
symbol
n easy access savings accounts
n counter services at HSBC branches in England and
Wales and Royal Bank of Scotland branches in Scotland
n Bacs bureau and sponsorship services
n dedicated UK-based Customer Service team
n loans and arranged overdrafts
n card payment processing
n CAF Donate – CAF’s multichannel fundraising platform
Fees
CAF Bank offers simple to use online banking to help
you manage your money on a day-to-day basis.
We keep our rates and fees under constant review, and
aim to offer the best possible value for charities’ money,
while keeping costs as low as we can.
There will be a monthly fee for maintaining each CAF Cash
Account you hold. This is a flat fee which does not vary
with the account balance. Please see our Fee Information
Document and Terms and Conditions for details.
Thank you for choosing CAF Bank for your
everyday banking needs. If you have any
questions please do not hesitate to call our
Customer Services team on 03000 123 456.
CAF Bank features and benets
2
CAF Cash current account
Simple and straightforward day-to-day banking,
designed exclusively for charitable organisations, is what
we are good at.
The CAF Cash current account provides transactional
banking for your everyday requirements with ease of
access.
So whether you need to send money electronically
within the UK, send money outside the UK, make
everyday card payments or set up standing orders to
third parties, this account aims to satisfy your day-to-
day banking needs including:
n online banking – with dual authorisation for
added security
n business card – with all the usual convenience of
a debit card
n term loans with rates from as little as 2.1% over
Bank of England base rate
1
n Bacs bureau services for payments and collection
of Direct Debits
n access to a wide branch network for deposits via
HSBC branches in England and Wales, and Royal
Bank of Scotland branches in Scotland using a
paying in slip
n access to card payment processing facilities
n standing-order, cheque and paying-in book facilities
Receiving money
You can receive money into your CAF Bank accounts
by online or electronic transfer or by cash or cheque
paid over the counter at any HSBC branch in the UK or
RBS branches in Scotland. You can also post cheques
directly to HSBC or RBS.
Sending money
You can use a variety of methods to send money:
n make card payments 24/7 with a CAF Bank
MasterCard
®
business card
n securely through online banking
n send money outside the UK by completing our
Sending money outside the UK form
n Bacs bureau and sponsorship for payments and
collection of Direct Debits
n CHAPS bank transfer
n Direct Debit
n standing order
n Faster Payments
n make cash withdrawal from an international network
of cash machines wherever you see the MasterCard
symbol
n cheque
Send money to your other CAF bank accounts
You can send money to your other CAF Bank accounts
on demand as long as your account remains in credit.
Bacs bureau
The CAF Bank Bacs bureau service is a simple and fast
way to send and receive money automatically from your
CAF Cash Account, securely by dual authorisation, using
the payment processing platform. The service is a safe,
efficient and cost effective means of automating your
everyday payment processing needs.
1
Loans subject to accepted application and credit assessment.
3
Loans
Finding a loan tailored to meet the needs and
circumstances of your organisation is not always easy. As
a trusted provider that understands the requirements of
charities we can help you through the process, enabling
you to concentrate on your cause.
Whether you’re looking to undertake a project,
refinance an existing agreement, purchase or refurbish
a property or need working capital to expand your
services, our experienced relationship managers will
work with you to develop the right financial solution.
We assess each application on its own merit. We are
committed to being a responsible lender and all loans
are subject to a comprehensive assessment process.
Please note that we do not provide loans where 40%
or more of the secured assets would be a residential
dwelling, or loans other than for business purposes or
which would be a regulated consumer credit agreement.
Arranged Overdrafts
If a loan is not suitable for your charity, an arranged
overdraft as part of your CAF Cash Account may better
meet your shorter-term needs.
Card payment processing
We can give you access to payment processing services
giving you the option to accept payments from all major
credit cards and debit cards direct into your CAF Bank
accounts. Working with our third party supplier our
competitive rates will help you offer your donors an
additional payment or donation method. Please note you
will need to be Payment Card Industry (PCI) compliant to
take advantage of this service.
For further information please refer to the PCI website at
www.pcisecuritystandards.org
Having a card terminal will allow you to take:
n payments in a charity shop
n payments for services provided
n payments for memberships and tickets
CAF Gold deposit account
Our CAF Gold deposit account provides instant access
to your savings.
This allows you to build your funds without committing
to a notice period. The easiest way to access your
money is by operating the account alongside a
CAF Cash Account and you can send and receive money
between the two accounts.
This can be done easily online or by telephone, leaving
you time to focus on the causes that are important to
you. It is also possible to send money to other UK bank
accounts held by your organisation.
1
Loans subject to accepted application and credit assessment.
4
CAF Bank Online
You can manage your account with our simple-to-
use online banking service, a safe and secure way to
manage your day-to-day transactions over the internet.
Dual authorisation
Managing your account online gives you the benefit of
additional security and fraud prevention measures using
dual authorisation. Once a transaction has been initiated
to a third party, it requires another online user, authorised
by your organisation, to approve it before any money
leaves your account.
You can:
n view transaction history and balances for all your
accounts
n pay variable amounts to your staff and suppliers
n view statements online
n send and receive money between your CAF Cash
and Gold accounts
n send money to other UK bank accounts
n set up additional users with various administration
permissions
n view Direct Debits
n set up, amend and cancel standing orders
n change your passwords
n order cheque or paying-in books.
CAF Cash Online QuickPay
This is a free online service that lets you pay variable
amounts to your staff and suppliers from your CAF
Cash Account. Unlike a standing order, QuickPay allows
you to transfer irregular amounts. You can control your
payments online and they are sent electronically at no
cost to your organisation.
Interest
You can view our current interest rates at
www.cafonline.org/bankrates
Traditional service
You can, of course, choose to manage your account
transactions by telephone, or by sending written
instructions signed in accordance with your existing
mandate held with CAF Bank.
Our UK based in-house Customer Service team is
available to help you Monday to Friday 9am to 5pm on
03000 123 456 (excluding bank holidays). Alternatively
you can email us at cafbank@cafonline.org
5
Other CAF services
Savings
We can give you access to savings accounts with
variable notice periods from 60 days to 1 year – helping
you to meet your current needs and improve your
future sustainability.
Flexible investments tailored to charities
CAF can give you access to a range of charity
investment products for long-term reward potential.
Advisory and consultancy services
Helping you develop strong governance and
management and maximise your fundraising
capabilities.
Our team of senior advisors can work alongside you
to address specific issues, combining their specialist
expertise and hands-on practical guidance to create
solutions that will enable your organisation to move
forward with confidence.
CAF Donate
CAF Donate is our innovative, multi-channel fundraising
service that allows you to fully manage the entire
donation experience online, over the phone or by post.
For more information please visit www.cafonline.org/
cafdonate
What you need to know
Here are some questions most frequently asked by
new and existing customers. If we havent answered
your question, please email cafbank@cafonline.org
or call 03000 123 456
How safe is our money?
CAF Bank invests deposits with the Bank of England and
in ‘AAA’ rated bonds, and with a range of other carefully
selected highly rated financial and non-financial
organisations. CAF Bank does not invest in derivatives
or structured products.
Do we receive any statutory protection?
CAF Bank Limited is a member of the Financial Services
Compensation Scheme (FSCS) established under the
Financial Services and Markets Act 2000. Full details
of the Scheme and its restrictions can be obtained on
request by contacting the FSCS on 0800 678 1100 or
0207 741 4100, visiting www.fscs.org.uk or writing to
FSCS, 10th Floor, Beaufort House, 15 St Botolph Street,
London EC3A 7QU. Please note that only compensation
related queries should be directed to the FSCS.
How is interest paid?
Where your account attracts interest, interest accrues
to your account daily and is credited gross at the end of
each quarter.
6
How often do we receive a statement?
You can apply for online statements where you can view,
print and save a PDF copy of your statement. You can
also select how often you would like to receive a printed
statement from us. By selecting to receive less frequent
statements, you can help us reduce paper usage. You
can keep track of your day-to-day transactions through
our online banking service.
We are a new charity – how do we open an account
without a Charity Commission number?
New charities who have applied for charitable status
need to provide a bank account number (opened in
their name) to the Charity Commission (CC) or the
Office of the Scottish Charity Regulator (OSCR). We
can issue your charity an account number pending
your registration and activate the account once your
charitable status has been confirmed.
We are an unregistered charity – can we open
an account with CAF Bank?
Yes – if you are a charity which is not registered with
the CC or the OSCR, including charities which are
exempt or excepted from registration, we can open an
account for you. You will find clear guidance notes in the
application form to help gather the necessary identity
and verification documents.
Should I choose HSBC or RBS counter service?
This depends where you intend paying-in your cash
and cheques. If you intend on banking in Scotland your
banking can be done through RBS, for the whole of the
UK this can be done at HSBC branches. If you require
both please contact our Customer Service team on
03000 123 456.
How do we arrange for existing standing orders and
Direct Debits to operate on our new
CAF Cash Account?
Simply complete the Standing order and Direct Debit
transfer to CAF Bank form so that we can contact your
existing bank for full details of your standing orders and
Direct Debits. Once they have responded to us we will
contact you to confirm which payments to transfer and
put everything into place for you.
We recommend that you maintain sufficient funds in
your old account until your new CAF Cash Account is
fully operational and your funds have been successfully
transferred across to your new CAF Cash Account. We
expect this process to take four weeks. For donations
and standing orders into your account, you need to
tell your payees that your banking arrangements have
changed.
7
What if I have a complaint?
At CAF Bank we value your custom highly and trust you
will be entirely satisfied with our service. If however, you
do have a comment or complaint about us we would like
to hear from you. We will do our utmost to resolve your
concerns fully and promptly.
If you have a complaint please call our Customer Service
team on 03000 123 456 between 9am and 5pm Monday
to Friday (excluding bank holidays). The team is fully
trained in matters of this nature and all calls are recorded.
Alternatively you can write to us at CAF Bank Ltd,
25 Kings Hill Avenue, Kings Hill, West Malling, Kent
ME19 4JQ or email us at cafbank@cafonline.org
If we cannot solve your problem immediately we will
write to ensure that we have fully understood your
complaint and to advise you who will be investigating it
further. We hope to deal with most complaints within
four weeks. Where we are unable to do so, we will write
to you at the end of four weeks and advise you when
we hope to be able to contact you further. If you are
dissatisfied with our final response, or if after eight
weeks we have been unable to issue our final response,
you may have the right to take your complaint to the
Financial Ombudsman Service.
2803A/0320
We’re here to help
A dedicated team is here to answer questions
relating to your bank application
T: 03000 123 456
E: cafbank@cafonline.org
W: www.cafbank.org
Telephone calls may be monitored or recorded for security/training purposes.
Lines are open Monday to Friday 9am - 5pm (excluding English bank holidays).
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 oce is 25 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4JQ.
Registered in England and Wales under number 1837656.
Summary box
Account name
What is the interest rate?
Can CAF Bank change the
interest rate?
What would the estimated
balance be after 12 months
based on a £1,000 deposit?
How do I open and manage
my account?
Can I withdraw money?
An illustration of the future balance is shown below.
n
You don’t withdraw or deposit any additional money.
n
The interest rate stays the same and is paid annually.
n
Interest is calculated on a cleared deposit for a full 12 months.
n
You can open an account by printing the online application form and
posting it to CAF Bank Limited, 25 Kings Hill Avenue, Kings Hill, West
Malling, Kent ME19 4JQ.
n
The product is only available to charitable organisations
***
.
n
The minimum initial deposit is £1,000.
n
The minimum account balance is £0.
n
You can manage the account by telephone, online or by post.
n
Yes, you can make withdrawals from this account to CAF Cash, or to your
nominated UK bank account identified on your application form.
Initial Deposit
Balance
£0+
Gross
*
Rate/AER
**
Gross
*
Rate/AER
**
£1,000.00 0.01%
This is an illustrative example assuming that:
0.01%
Balance at 12 months
£1,000.10
Yes. We can move the interest rate up or down at any time. Our Terms and
Conditions explain how and when we will notify you of this.
CAF Gold Account
n
Interest is calculated on your daily balance.
n
Interest can be paid quarterly to this account or to your nominated UK
account which is identified on your application form.
Your interest rate is variable. The current annual rate is shown in the
table below.
CAF GOLD ACCOUNT
2803B/0420
Telephone calls may be monitored or recorded for security/training purposes.
Lines are open Monday to Friday 9am - 5pm (excluding English bank holidays).
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 oce is 25 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4JQ.
Registered in England and Wales under number 1837656.
*
Gross means that all interest will be paid without any deduction of tax. You are responsible for paying any tax due
to HMRC.
**
AER stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and
compounded once each year.
***
charitable organisations means organisations that are (a) registered with the Charity Commission for England
and Wales, the Oce of the Scottish Charity Regulator or the Charity Commission for Northern Ireland or (b)
recognised by HMRC to have charitable status in the UK.
Financial Services Compensation Scheme (FSCS)
This product is covered by the Financial Services Compensation Scheme (FSCS).
For further information about the compensation provided by the FSCS (including amounts covered and eligibility
to claim), refer to the FSCS website www.FSCS.org.uk or call the FSCS on 0800 678 1100.
Details correct as at 27/06/2020
Additional information
n
You can close this account at any time.
n
There is a 14 day cancellation period from account opening date during
which the account can be closed without any charge.
n
You can deposit money through any branch of HSBC or the counter
service at any Royal Bank of Scotland branch in Scotland using a CAF Bank
paying in slip.
n
Interest is paid Gross
*
.
n
Please read this summary in conjunction with the CAF Bank General
Terms and Conditions and the CAF Gold Account – Account Terms.
Application form
CAF BANK
2
CAF Cash current account
If you require easy access to your money but also need every
penny to work for you, then our CAF Cash Account may be
the answer. Opening a CAF Cash Account requires a minimum
initial deposit of £1,000, but after the account is open, the
minimum balance is just £1.
With a CAF Cash Account you can;
n Send money within the UK
n Send money outside the UK
n Receive money from outside the UK
n Receive money from within the UK
Standing order and Direct Debit transfers from other banks
can be made by completing the enclosed form.
CAF Bank business card
With a CAF Bank MasterCard® business card you can make
card payments for goods and services from your CAF Cash
Account in a safe and secure way and online, in the UK and
overseas. You can make a cash withdrawal at ATMs where
the MasterCard acceptance mark is displayed.
With a CAF Bank business card your cardholder can:
n make card payments in pounds 24/7
n make card payments in a foreign currency
n securely undertake online payments using the
MasterCard® SecureCode™ service
n make cash withdrawals in pounds in the UK and in
a foreign currency outside the UK up to £300 per
transaction. This is subject to a daily limits which covers
all cardholder cash withdrawals from ATMs
CAF Bank Bacs bureau service
A secure, efficient way to collect Direct Debits in to your
CAF Cash Account and send money within the UK.
Card payment processing
We can give you access to payment processing services giving
you the option to accept payments from all major credit and
debit cards direct into your CAF Bank account. Working with
our third party supplier our competitive rates will help you
offer your donors an additional payment or donation method.
Having a card terminal will allow you to manage:
n payments in a charity shop
n payments for services provided
n payments for memberships and tickets
Loans
Finding a loan tailored to meet the needs and circumstances
of your organisation is not always easy. As a trusted provider
that understands the requirements of charities we can
help take the hassle out of the process, enabling you to
concentrate more on your cause. Whether you’re looking
to undertake a project, refinance an existing agreement,
purchase or refurbish a property or need working capital to
expand your services, our experienced relationship managers
will work with you to develop the right financial solution.
We assess each application on its own merit. We are
committed to being a responsible lender and all loans are
subject to a comprehensive assessment process.
Please note that we do not provide loans where 40% or
more of the secured assets would be a residential dwelling,
or loans other than for business purposes or which would
be a regulated consumer credit agreement.
Arranged Overdrafts
If a loan is not suitable for your organisation, a business
arranged overdraft as part of your CAF Cash Account may
better meet your shorter-term needs.
CAF Gold deposit account
This account provides your charity with easy access to your
savings. You can open an account with as little as £1,000
and send money to your CAF Cash Account or a nominated
account as long as your account remains in credit.
Savings
We can give you access to savings accounts with variable
notice periods from 60 days to 1 year. Helping you to meet
your current needs and improve your future sustainability.
CAF Donate
CAF Donate is our innovative, multi-channel fundraising
service that allows you to fully manage the entire donation
experience online, over the phone or by post. For more
information, please go to www.cafonline.org/cafdonate
Please refer to the CAF Bank Features and benefits document
for more information.
About our services
3
The meaning of the words and phrases used in this
document are detailed in Section 1 of CAF Bank General Terms
and Conditions, Meaning of words and phrases. In addition,
the Financial Conduct Authority has published a set of
standardised terms and definitions that all banks use in
relation to the services it provides per payment account. A
glossary of the terms and definitions is available to view at
www.cafonline.org/glossaryofterms which will apply to
these terms unless a contrary intention is expressed. We set
out the cost of these services in Fee Information Documents
which are designed to make it easier for you to compare the
cost of these services. A Fee Information Document can be
found at www.cafonline.org/charities/everyday-banking.
You should carefully read the accompanying product
information and General Terms and Conditions and retain
them for future reference. If there is anything that you do
not fully understand, please ask for further information or
seek professional advice or guidance before sending your
application to CAF Bank. Failure to complete this form fully
may delay your application.
Below is a list of information you will need to supply when
completing this application. For ease, you may wish to have
this information to hand before starting your application.
Details about your organisation’s:
n activities
n income
n charity registration number (charities registered with the
Charity Commission (CC), Office of the Scottish Charity
Regulator (OSCR) or Charity Commission for Northern Ireland
(CCNI)) or a copy of your charity registration application
n registered company number (for organisations
registered with Companies House)
n registered address and correspondence address
n an extract of the minutes of a meeting attended by your
board of directors/trustees or equivalent, where it shows
authority to open a new bank account. This should be
signed by your chairman and certified by them as a true
extract of the minute (the signature must be an original).
n country(ies) of tax residence – normally the country
or countries in which you are established but if the
organisation has connections with any other country
you will need to check the rules in that country – see
notes on pages 23 to 26 on the Automatic Exchange of
Information (AEOI) for international tax compliance.
n classification for AEOI (Automatic Exchange of Information)
purposes (see AEOI Notes and definitions on pages 23 to 26)
Please ensure your application and mandate complies
with your governing document and matches with
information held by the Charity Commission.
Data protection and confidentiality
We take data protection and privacy very seriously. Our Privacy
Notice, which can be viewed at www.cafonline.org/privacy,
describes the way in which we collect, retain and use personal
data. We aim to ensure that we only hold personal data for as
long as it is needed and that it is held securely.
The personal information we collect from you in this
application will be shared with fraud prevention agencies, who
will use it to prevent fraud and money laundering and to verify
your identity. If fraud is detected, you could be refused certain
services, finance or employment.
Further details of how your information will be used by us
and these fraud prevention agencies, and your data protection
rights, can be found in the CAF Bank General Terms and Conditions,
by visiting our website at www.cafonline.org/fraudprevention
or by calling us on 03000 123 456.
Information about the people connected to your organisation:
n Contact person: This individual will have verbal authority
to send money between your CAF Bank accounts and to
the other bank accounts stated in this application, and
obtain information about your account.
n Signatories: These individuals will have authority to sign
cheques or written instructions, verbal authority to send
money between your CAF Bank accounts and to the
other bank accounts stated in this application, and obtain
information about your account.
We recommend you have at least two nominated
signatories to approve requests to send money in writing.
When nominating signatories it is best to consider practical
issues of obtaining signatures whenever required.
The contact and all signatories will be required to provide:
full name
personal address and any previous address(es) (if
moved in the last three years)
contact email (where requested)
phone numbers
date of birth
nationality
This information will be used when carrying out electronic
verification checks and may be used to identify the individuals
as part of our telephone security procedures.
n Business card holders: These individuals have been
given authority to have a business card on behalf of the
organisation.
n Trustees, directors or equivalent and beneficial owners
(such as your governors or equivalent if you are a
state-supported school, college, university or an
independent school or college or the committee members
responsible for running your organisation or group such
as Parent Teacher Association or Parochial Church Council).
Information needed for your application
4
n Business card holders and trustees, directors or
equivalent and beneficial owners are required to provide:
full name
personal address and any previous address(es) (if
moved in the last three years)
phone numbers
date of birth
nationality
This information will be used when carrying out
electronic verification checks.
n Controlling Persons: If your organisation is a Passive
Non-Financial Entity (Passive NFE) or treated as one (see
AEOI notes on pages 23 to 26) then you will also need to
provide us with details about your 'Controlling Persons'
(as defined for AEOI purposes).
Important information
All banks face an increasingly stringent regulatory environment,
from regulators here and around the world, which requires
them to put in place close monitoring of all accounts to
ensure they comply with rules for financial transactions. We
are required to know our customers and where they send
their money, the nature of any partner organisations and the
countries and regions in which they operate.
At CAF Bank, we take our obligations very seriously,
and review all our accounts carefully and individually
to ensure we have the necessary understanding of our
customers. In order for CAF Bank to fulfil its account
opening administrative requirements and to comply with
UK anti-money laundering legislation, before your account
can be opened we are required to complete checks on
your organisation and on individuals that are involved with
your organisation. Wherever possible these checks are
performed electronically, minimising the time it takes to
open your account. If we are required to contact you for
further information this may delay your application.
In certain circumstances, however, it may be necessary to
request additional identification documentation which may need
to be certified and may delay your application. Before continuing
please ensure that each person named on this application
form is aware of how we will process the data. If you are aware
of any individuals who may already be associated with other
CAF Bank accounts please notify us in a covering letter to avoid
us undertaking our electronic checks again.
In order to improve international tax compliance, the UK has
enacted legislation to implement various intergovernmental
agreements (including to give effect to relevant European
directives and the US provisions commonly known as FATCA).
We are required by UK law to obtain information to verify
the identity and tax status of account holders together with
the country or countries in which they are tax-resident and,
in some cases, also to verify the identity, tax status and
residence of the ‘Controlling Person(s)’ (as defined under the
various intergovernmental agreements) of the organisation
that is the account holder.
Where the information we hold or collect indicates that
you are, or may be, tax-resident in another country, we
are required to pass that information and details about
your account to HM Revenue & Customs (HMRC) who
will, in turn, pass it to relevant foreign tax authorities
where intergovernmental agreements to which the UK is
a party require the automatic exchange of information for
international tax compliance purposes.
If you do not supply sufficient information to determine
your tax residence (or the tax residence of your ‘Controlling
Person(s)) we will also have to report that to HMRC, together
with details of your account. HMRC will, in turn pass on
details of such account holders and their accounts to the tax
authorities of the US and Crown Dependencies.
You will find further information in the Notes on the
Automatic Exchange of Information (AEOI) at pages 23 to
26 of this application form. These notes also provide you
with information to help you complete the tax residency
information in Section 2.8 of this application form.
Where you apply for any product with us, including where
you apply jointly with someone else, we may perform a credit
search in order to check the details of your credit history with
certain credit reference agencies. These agencies will keep
a record of that search (including details of your application
for a product with us, and whether or not that application is
successful) and, for a short period of time, this can therefore
affect your ability to get credit elsewhere. If the results
indicate that the product that you are seeking would not be
suitable, your application may be declined. If your application
is accepted we will file information with these agencies about
how you manage your product on an ongoing basis. Where
you apply in conjunction with someone else, a financial link
between you will be created on the records of these agencies.
The Organisation’s directors, trustees (through a resolution
of the board of trustees), committee, or equivalent must
have resolved that CAF Bank is to be appointed as bankers
to the organisation, in writing, and have nominated the
individual completing this application to act on their behalf.
Please make sure all personal details provided as part of your
application are up-to-date and correct. The information you
submit for anyone attached to your organisation may affect
any personal information we already hold.
If you are a non-UK resident, or are unsure of the
documentation or information you need to provide, please
call our Customer Service team on 03000 123 456.
Please ensure you complete each section clearly, in full
and in black ink using capitals. Should you make a mistake,
please cross out the incorrect entry, write in the correct
details above the box and initial the changes. Please do not
use correction fluid.
5
Section 1
New accounts
1.1 Your new account(s)
I would like to open the following accounts paying in at:
HSBC branch counters OR
RBS branch counters
New account(s) 1 – Designation name (leave blank if not required)
CAF Cash Account Deposit £
Business card cardholder 1
Mr
Mrs
Miss Other
Forename
Surname
Home address
Postcode
Business card cardholder 2
Mr
Mrs
Miss Other
Forename
Surname
Home address
Postcode
If you would like a chequebook, please tick here
If you require a paying-in book, please tick here
and/or
CAF Gold Account Deposit £
If you require a paying-in book, please tick here
Section 1
New accounts
1.1 Your new account(s)
If you carry out your banking in England or
Wales this can be done at HSBC branches, or if
in Scotland at The Royal Bank of Scotland (RBS).
Each account will be opened using your exact
organisation name which you will be asked
to provide in section 2.2, but you can also
choose a ‘designation name’ for each
account, to differentiate between them, eg
Number 1 account.
The CAF Cash Account is subject to a
monthly fee, please see the CAF Bank
Fee Information Documents for further
information
Please note: account designations must not
exceed 16 characters including spaces and are
not an alternative account name – all cheques
and monies received must be payable to your
organisation name or your designation name.
If a business card cardholder is also an account
signatory or account contact please complete
their full name but leave the other fields blank
as this information can be provided in section
6.1 or on the Bank Mandate. Please note that
business cardholders are required to use their
UK home address in all instances.
If you require more than two business cards
on your CAF Cash Account, please complete
the same information on an additional sheet.
Business cards are issued to the cardholder
on behalf of the organisation. Please note
cardholders cannot contact CAF Bank directly.
Section 1 continued overleaf
For office use only:
CAF Bank Account number
6
New account(s) 2 – Designation name (leave blank if not required)
CAF Cash Account Deposit £
Business card cardholder 1
Mr
Mrs
Miss Other
Forename
Surname
Home address
Postcode
Business card cardholder 2
Mr
Mrs
Miss Other
Forename
Surname
Home address
Postcode
If you would like a chequebook, please tick here
If you require a paying-in book, please tick here
and/or
CAF Gold Account Deposit £
If you require a paying-in book, please tick here
New account(s) 3 – Designation name (leave blank if not required)
CAF Cash Account Deposit £
Business card cardholder 1
Mr
Mrs
Miss Other
Forename
Surname
Home address
Postcode
7
1.2 Initial deposit
By cheque
If you are opening more than one account,
please ensure you have indicated the amount
to allocate to each account in the space
provided in section 1.1.
Please make your cheque payable to your
organisation name.
Send money electronically
We will contact you to arrange money to
be sent electronically once your account is
open. Please make sure this is payable to
your organisation name.
Send money from an existing
CAF Bank account
You may send money from an existing
CAF Bank account in the same organisation
name and with the same account signatories.
Please provide full details, in writing, signed by
the authorised signatories, if you wish to use
this option.
1.3 Other services
We will send the information to the account
contact using the information set out in section 6.
Business card cardholder 2
Mr
Mrs
Miss Other
Forename
Surname
Home address
Postcode
If you would like a chequebook, please tick here
If you require a paying-in book, please tick here
and/or
CAF Gold Account Deposit £
If you require a paying-in book, please tick here
1.2 Initial deposit
We would like to send our initial deposit(s) via:
an enclosed cheque
OR
send money electronically
OR
send money from existing CAF Bank account number
I am sending a total amount of £
1.3 Other services
Would you like us to send you information about the other services we can
offer? (subject to a separate application)
Bacs bureau
Card payment processing
CAF Bank loan
Arranged Overdraft
CAF Donate
How would you like us to send this information to you?
Email
Post
1.4 Where did you hear about CAF Bank?
8
Section 2
About your organisation
2.1 Existing CAF Bank accounts
Please indicate if your organisation already holds
a bank account with CAF Bank and insert the
account number(s) in the boxes provided. Please
only list up to four account numbers here.
2.2 Organisation name
This must be the full legal title of your
organisation and will form your account name.
Please ensure that the organisation name
you enter here is identical to your registered
working name in your governing document.
2.3 Operating or registered address
The operating address or registered address
is required for identification purposes.
Registered charities – this must be identical
to the details held by the CC, OSCR or CCNI.
Unregistered organisations – this must
be identical to the details provided on
your website, or on the accompanying
HMRC exemption certificate and governing
document.
Please note, we cannot open accounts for
organisations whose principal operating
address is outside the UK.
2.4 Country of incorporation (if relevant)
of organisation
Please provide the country where your
organisation is incorporated or legally registered
2.5 Organisation web address
Please provide the web address for your
organisation.
2.6 Other bank accounts
If you hold a bank account with another
financial institution, including accounts that
you are transferring to CAF Bank, please
provide copies of the last six months'
statements for all such accounts.
2.7 Estimated annual turnover band
Please tick the box which most closely
applies to your organisation. If you are using
a Charity Commission number of a parent
organisation, please state the turnover of
the parent organisation.
Section 2
About your organisation
2.2 Organisation name
2.3 Operating or registered address
Postcode
2.4 Country of incorporation (if relevant) of organisation
2.1 Existing CAF Bank accounts
Does your organisation already hold a CAF Bank account?
Yes
No (go to section 2.2)
If your organisation holds any existing account(s) with CAF Bank then a link will be
formed with the new account, unless the new account is for a separate legal entity
that is financially distinct from the existing organisation.
Existing CAF Bank account numbers
1
3
2
4
Reason for additional account
2.5 Organisation web address
2.6 Other bank accounts
Does your organisation hold an account with another financial institution?
This includes accounts that you are transferring to CAF Bank.
Yes
No
If 'Yes' please provide copies of your last six months' statements for each
account you hold.
2.7 Estimated annual turnover band
up to £50,000
£50,001 to £100,000
£100,001 to £250,000
£250,001 to £500,000
£500,001 to £1M
over £1M
If you have ticked over £1M, please state the amount here
9
2.8 Country(ies) of tax residence (including the UK) – see Notes and
definitions on AEOI on pages 23 to 26 for guidance.
Please complete the information in the boxes below indicating:
i) where the Account Holder is tax-resident; and
ii) the Account Holder’s TIN for each country indicated.
If the Account Holder is not resident in any jurisdiction (eg because it is fiscally
transparent), please indicate that in the boxes below and provide its place of
effective management or country in which its principal office is located.
If a TIN is unavailable, please provide the appropriate reason A, B or C
where appropriate:
Reason A – The country where the Account Holder is liable to pay tax
does not issue TINs to its residents.
Reason B – The Account Holder is otherwise unable to obtain a TIN or
equivalent number. Please explain why the Account Holder is unable to
obtain a TIN in the below boxes if you have selected this reason.
Reason C – No TIN is required. Note: only select this reason if the authorities of the
country of tax residence entered below do not require the TIN to be disclosed
1. Countries of tax residence
Tax number, eg UTR, TIN
If no TIN is available (including the UK), enter reason A, B or C
2. Countries of tax residence
Tax number, eg UTR, TIN
If no TIN is available (including the UK), enter reason A, B or C
3. Countries of tax residence
Tax number, eg UTR, TIN
If no TIN is available (including the UK), enter reason A, B or C
If you selected Reason B above, please explain in the following boxes why
you are unable to obtain a TIN.
1.
2.
3.
Section 2 continued overleaf
2.8 Country(ies) of tax residence (including
the UK)
You must list all countries in which the
Account Holder is tax-resident and provide
the Taxpayer Identification Number or
national equivalent. A Charity registered with
the CC, OSCR or CCNI will be UK tax-resident.
The Notes and definitions on AEOI at pages
23 to 26 of this form provide links to OECD
information on tax residence and Taxpayer
Identification Numbers (TINs) which may
help resolve questions.
If the Account Holder is tax-resident in
more than three countries, please use a
separate sheet.
10
2.9 Trustees or equivalent
Please complete full details for all your trustees,
directors or equivalent (this is anybody who
votes in your meetings) such as:
n your governors or equivalent if you are a
state-supported school, college, university
or an independent school or college
n the committee members responsible for
running your organisation or group, such
as Parent Teacher Association or Parochial
Church Council - if you are a branch of a
main charity please provide your branch’s
committee member details.
Please ensure the details of the trustees or
equivalent are those stated on the Charity
Commission website or at Companies House.
If the details are different, please provide an
extract from the minutes of a meeting where
you confirm the trustees differ. This should be
signed by your chairman (the signature must
be an original).
Where your Beneficial owners are not your
trustees please complete section 5.4
If you have more than four trustees,
directors or equivalent, please use a
separate sheet, setting out for each person
the same information requested here.
Section 2 continued overleaf
2.9 Trustees or equivalent
Mr
Mrs
Miss Other
Forename
Surname
Home address
Postcode
Date of birth
dd/mm/yy
Home telephone number (incl std)
Nationality
Mr
Mrs
Miss Other
Forename
Surname
Home address
Postcode
Date of birth
dd/mm/yy
Home telephone number (incl std)
Mr
Mrs
Miss Other
Forename
Surname
Home address
Postcode
Date of birth
dd/mm/yy
Home telephone number (incl std)
Nationality
Mr
Mrs
Miss Other
Forename
Surname
Nationality
11
3.1 Charity registration number
We enclose a signed copy of our charity registration application
3.2 Company Registration Number (if applicable)
Registered charities (other than those which are dual tax registered), please go to
section 6 (Operating your new account).
If your organisation is dual registered for tax purposes, please complete section 4 (Entity
classification).
If you are not a registered charity, please complete sections 4 (Entity classification) and 5
(Unregistered organisations).
Section 3
Registered charities
Registered charity
An organisation that is registered (awaiting
registration) with the CC, OSCR or CCNI.
Unregistered organisation
An organisation that is not registered
with the CC, OSCR or CCNI.
3.1 Charity registration number
Please insert either your CC registration
number (up to seven characters),
CCNI registration number (up to eight
characters), or your OSCR registration
number (eight characters starting with SC).
If you require an account number to gain
charitable status, please note as 'pending'
and ensure you complete the rest of the
application form in full. We will activate
your account once your status has been
confirmed. Please note, we reserve the
right to withdraw the account number if
the Charity Commission information is
different to the account application. Your
money sent for the initial deposit will not
be taken until the account is activated.
3.2 Company Registration Number
If your organisation is a limited company,
please enter your company registration
number.
Home address
Postcode
Date of birth
dd/mm/yy
Home telephone number (incl std)
Nationality
Section 3
Registered charities
12
Section 4
Entity (organisation)
classification for AEOI
Purposes
4.1 AEOI Entity classification
Active Non-Financial Entity (Active NFE)
A charity, church or other non-profit
organisation will usually be considered an
Active NFE and should tick box A(v), unless
it falls within the definition of a ‘Managed
Investment Entity and is located in a non-
Participating Jurisdiction’ (see definition on
page 25 and the OECD’s list of Participating
Jurisdictions at: www.oecd.org/tax/automatic-
exchange/commitment-and-monitoring-
process/). If unsure of your organisation’s tax
status, please consult your tax adviser.
AEOI Controlling Persons self-certification form
You can find the form online at
www.cafonline.org/AEOI. Alternatively please
contact the Customer Service team on
03000 123 456 for a copy.
Section 4
Entity (organisation) classification
for AEOI Purposes
4.1 AEOI Entity classification
Please confirm the Account Holders status by ticking one of the boxes
in A - D below. For guidance on the appropriate classification refer to the
notes and definitions on pages 23 to 26 of this form.
Please select one option only of those listed in order to confirm the category
of your organisation for the purposes of international tax reporting.
A Active Non-Financial Entity (Active NFE)
i) Actively trading Entity
ii) Government Entity
iii) International organisation
iv) A corporation, the stock of which is regularly traded on an established
securities market, or a related Entity of such a corporation
v) Other Active NFE, e.g. non-profit organisation
B Passive Non-Financial Entity (Passive NFE)
If ticking this box, please also complete an AEOI controlling persons
self-certification form.
C Investment Entity – please complete (i) and (ii) if appropriate:
i) Are you an 'Investment Entity managed by another Financial Institution'
Yes – complete C (ii) below
No – your Entity Classification is 'Investment Entity – Other'.
ii) Are you located in a CRS Participating Jurisdiction?
Yes – your Entity Classification is 'Investment Entity – Other'.
(the UK is a Participating Jurisdiction)
No – your Entity Classification is 'Passive NFE'.
If ticking 'No' for question C(ii), please also complete AEOI controlling
persons self-certification form.
D Financial Institution
Depository Institution, Custodial Institution or Specified Insurance Company.
5.1 Organisation type
we are a company, Limited Liability Partnership (LLP), CIC, industrial and
provident or community amateur sports club or social enterprise and our registration
number is:
AND our HMRC certificate is enclosed
if applicable.
OR
we are an educational establishment
OR
we are a religious establishment and our diocese/denomination (if applicable) is:
OR
we are a Girlguiding or Scout group and we enclose our certificate of
charitable status
OR
we are an armed forces organisation and we enclose a letter from the MOD/
Army/Navy/RAF confirming our identity and exemption from registration with
the Charity Commission
OR
we are a trust, partnership, association, club or other charitable organisation and
our trust deed/rules of association or equivalent and HMRC certificate are enclosed
Section 5
Unregistered organisations
5.2 Organisation beneficiaries
5.3 Founders, protectors and settlors or equivalent (for trusts only)
Mr
Mrs
Miss Other
Forename
Surname
Home address
Postcode
Date of birth
Date of death
Home telephone number (incl std)
Nationality
Section 5
Unregistered organisations
5.1 Organisation type
Please tick the relevant box to confirm the
legal structure of your organisation. If your
organisation is a limited company, please
enter your company registration number and
HMRC exemption certificate, if applicable.
For educational establishments, further
documentation is not required.
For religious organisations, details of your
diocese should be provided, if appropriate.
5.2 Organisation beneficiaries
Please state who or what are the main
beneficiaries of your charitable activity.
Beneficiaries could be people, groups
of people or organisations that your
organisation is set up to help. This may be
found in your governing document.
5.3 Founders, protectors and settlors or
equivalent
Please complete full details for any founders,
protectors or settlors the trust may have.
These are found in your trust deed.
13
Section 5 continued overleaf
14
Mr
Mrs
Miss Other
Forename
Surname
Home address
Postcode
Date of birth
Date of death
Home telephone number (incl std)
Nationality
5.4 Beneficial owners
Mr
Mrs
Miss Other
Forename
Surname
Home address
Postcode
Percentage held Date of birth
dd/mm/yy
Home telephone number (incl std)
Nationality
Mr
Mrs
Miss Other
Forename
Surname
Home address
Postcode
Percentage held Date of birth
dd/mm/yy
Home telephone number (incl std)
Nationality
5.4 Beneficial owners
Please complete full details for any
beneficial owners you may have.
A beneficial owner is an individual who
ultimately owns or controls 20% or more of
the organisation in relation to share of the
capital, profits, voting rights, capital of the
trust property or who operates or has control
over a trust, meaning having the power to:
n dispose of, advance, lend, invest, pay or
apply trust property;
n vary the trust;
n add or remove persons as a beneficiary
or to or from a class of beneficiaries;
n appoint or remove trustees; or
n direct, withhold consent to or veto the
exercise of any of the above powers.
Section 5.3 continued
15
Mr
Mrs
Miss Other
Forename
Surname
Home address
Postcode
Percentage held Date of birth
dd/mm/yy
Home telephone number (incl std)
Nationality
Mr
Mrs
Miss Other
Forename
Surname
Home address
Postcode
Percentage held Date of birth
dd/mm/yy
Home telephone number (incl std)
Nationality
16
6.1 Account contact
Mr
Mrs
Miss Other
Full name
Position
Date of birth
dd/mm/yy
Nationality
Home address
Postcode
If you have lived at this address for less than three years, please complete a previous
address(es) form. This can be found at www.cafonline.org/applicationforms
Please complete all telephone numbers below and tick your preferred
option for us to contact you on.
Home telephone (landline)
Daytime contact number
Mobile telephone number
Which address should we use to write to you?
Registered address (as stated in 2.3)
Account contact's home address
Other
Postcode
As well as contacting you about this product or service, we would like to
send you information about other related products and services from the
CAF Group that we believe will be of interest to you.
I DO NOT want to receive this information by (tick all that apply):
Email
Phone
Post
Please note: if you tick a box, we will not be able to tell you about these products
and services in this way.
For information about how CAF handles your information, see our Privacy Notice
which you can find at www.cafonline.org/privacy
CAF and the companies in which it has a majority stake, or their subsidiaries (defined
here as the CAF Group) will not share your information with any outside organisation
except as part of providing a product/service or when legally obliged to do so.
Section 6
Operating your new account
6.2 Telephone banking
Mandatory telephone password
Please refer to the guidance notes on the right hand side
Section 6
Operating your new account
Please ensure you fully complete all parts of
section 6.
6.1 Account contact
The account contact does not have to be a signatory.
The account contact will have authority to:
n act as the main CAF Bank Online
user which means they have full user
responsibility for administration of the
CAF Bank Online service and are able to:
initiate money to be sent within the
UK online in accordance with the
terms and conditions
set up additional users including
allocation of their user ID and password
access day-to-day account information
n authorise money to be sent between
your organisation’s accounts by speaking to
us over the telephone
n act as the main user for CAF Bank
Online statements, being able to view
statements for all linked accounts.
The account contact should be someone
who is readily available and familiar with the
requirements of the account.
For identification purposes, the account
contact must provide their full name. If
they have a preferred/familiar name, please
include this in brackets after their full name.
If the account contact has lived at more
than one address in the previous three years
please complete their previous address details
on a Previous addresses form. This can be found
at www.cafonline.org/applicationforms or
complete a blank sheet listing name, address,
postcode and dates for each previous address.
We may need to call the account contact
Monday – Friday (9am-5pm) on the
preferred number chosen but will use the
other numbers if necessary.
6.2 Telephone banking
Telephone banking is another easy way to access
and manage your accounts. The main features are:
n send money within the UK between your
CAF Bank accounts
n send money to your accounts held with
other banks as provided in section 6.4
n access balances
n access information about transactions
n cancel standing orders and Direct Debits
Please note: the telephone password is a
mandatory requirement for all customers. The
account contact along with any signatories
(as stated on your Bank Mandate) will require
access to this password which should be
between 8-16 characters (we recommend
using both alpha and numerical characters
to strengthen your password(s)). This will be
used as part of our identification procedures
for calls into and from the bank for all
authorised individuals.
Email
17
6.4 Sending money to other bank accounts
Other bank account/building society
Sort code
Account number
Building society roll number
We have enclosed evidence of the account
Other bank account/building society
Sort code
Account number
Building society roll number
We have enclosed evidence of the account
6.3 CAF Bank Online
Would you like to register for CAF Bank Online?
Yes
No (go to section 6.4)
We will use the mobile telephone number provided in section 6.1 to
register the primary user for CAF Bank Online, including Text Alerts. This
registered device will be needed each time the account contact wishes
to log in, view or change their details, manage online users or authorise
money to be sent within the UK
Statements
Opt for online statements and we will use the email address of the
account contact provided in section 6.1 to make contact as part of
registration. Up to 18 months of statements can be viewed, downloaded,
saved and printed.
If you would prefer to receive your statements in paper format, please
tick here
How often would you like to receive statements for your CAF Bank account(s)?
CAF Cash Monthly Quarterly Yearly (online only)
CAF Gold Quarterly Yearly (online only)
Date of statement
If you do not provide a telephone
password here, your account will not be
opened until this is received.
6.3 CAF Bank Online
CAF Bank Online is a quick and easy way to
access and manage your accounts.
If you choose to register for CAF Bank Online
the account contact will become the primary
user, meaning they will have full user
administration rights and will be able to:
n initiate money to be sent within the UK
n authorise money to be sent within the UK
n set up secondary online users with
various permissions, including allocation
of their User ID and Password
n order cheque and paying-in books
n access all account information that is
available online.
For more information about CAF Bank
Online, read Section 11 of the CAF Bank
General Terms and Conditions which
can be found at www.cafonline.org/
everydaybanking or the CAF Bank Online
User Guide which can be found at
www.cafonline.org/onlinebanking
If you choose online statements, the primary
user will have access to view all accounts
that are linked. Once your online banking is
active they will receive an email with further
instructions.
If you do not select an option, we will
automatically send you paper statements.
By selecting the online statements option,
you can help us to reduce our paper usage.
6.4 Sending money to other bank accounts
Please complete this section if you wish to
send money to bank accounts held with
other banks in the same name as the CAF
Bank account(s) you are opening.
Please provide a copy of either a paying-in
slip or statement from the account you
have provided, ensuring the bank sort code,
account number and organisation name
are clearly stated.
Section 6 continued overleaf
6.5 Audit authority
Please complete the name and address
of your auditors to allow them to request
information on your account(s).
6.5 Audit authority
Do you want us to provide your auditors with information on your account?
Yes
No
If 'Yes' please complete this section.
Name of auditors
18
Address
Postcode
19
Section 5 continued overleaf
All banks face an increasingly stringent regulatory envir
onment, from regulators here and around the world, which requires
them to put in place close monitoring of all accounts to ensure they comply with rules for financial transactions. We are
required to know our customers and where they send their money, the nature of any partner organisations and the
countries and regions in which they operate.
At CAF Bank, we take our obligations very seriously, and review all our accounts carefully and individually to ensure we
have the necessary understanding of our customers.
6.6 What is your reason for choosing a CAF Bank Account?
Please confirm where you intend to hold your funds and whether you intend to make CAF Bank your primary bank.
6.7 Are you transferring your banking from another financial institution?
If so, please let us know the name of the bank and the reason you are leaving.
6.8 What transactions do you expect to make on your proposed new account?
Please confirm the nature, size and frequency of transactions and describe the likely sources (i.e. remitting parties) of the
incoming payments and the likely destination of outgoing payments (i.e. beneficiary parties).
6.9 Where will the initial funding of the account come from?
Please indicate if cash or investments and the institution name and location. If the funding is not from an account in your
organisation's name, please provide the reason why.
20
6.10 Please confirm how your charity raises funds.
6.11 Please provide a detailed statement with supporting documentation and/or information detailing the economic
activity which contributed to the wealth in which you are intending to fund the account.
6.12 Do you have any of the following outside the UK? (Please tick)
Operations / activities / receive money from outside the UK/send money outside the UK/cash withdrawal outside the UK
Associated organisations
Partners (organisations you work with)
If you have ticked above, please give details here:
None of the above is relevant to our organisation.
6.13 Who in your organisation (a designated officer) is responsible for co-ordinating and overseeing your activities,
operations or money sent to individuals or organisations outside the UK to foreign countries?
Please say what role(s) they undertake within your organisation.
21
6.14 Please describe your policies and procedures in connection with your operations or money sent to individuals or
organisations outside the UK.
Include how you identify and know the true nature of your beneficiaries.
6.15 What, if any, independent review is undertaken to ensure these policies/procedures are operating effectively?
eg compliance,
audit, or quality assurance.
6.16 Please give details of your organisation's activities in relation to sending money to or receiving money from
outside the UK, and non-UK cash activities.
n If you intend to send money outside the UK, please list the countries below and confirm the purpose, frequency and
indicate the type of beneficiaries.
n If you receive money from countries outside the UK, please list the countries below and confirm the sources,
purpose, frequency and indicate the type of donor.
n If you operate cash programmes (where you use cash in the UK or outside the UK rather than sending money
electronically), please state any procedures you have in place to protect the diversion of funds.
6.17 Describe the policies and procedures you have in place to prevent aid diversion and to comply with relevant
regulations (Bribery Act 2010, Terrorism Act 2000 etc), along with any arrangements for training senior staff,
management, trustees or volunteers in your organisation.
Section 5 continued overleaf
22
6.18 If there are any non-UK nationals associated to the account (trustee, contact or signatory), please confirm
their name, nationality and whether they are in possession of a second passport (dual nationality) and confirm the
country where they pay tax and where they reside.
6.19 Please provide us with a copy of your organisation's governing document. Make sure you include a copy of any
amendments or additions that have been made since the inception of your charity and its original governing document.
Tick this box to indicate that you have included your governing document with your application.
PAGE 1 of 2
Bank Mandate
Please complete this section with the personal details of all
authorised signatories.
This form will only be used for the account(s) being opened
in this application. If you are an existing customer and wish
to update signatories on your existing account(s), please ask
for a separate Bank Mandate form.
We will hold this Bank Mandate on our files as proof of the
individuals who are authorised to manage your CAF Bank account.
Please retain a copy of the Bank Mandate for your future
reference. It is important to keep your signatories up-to-date to
ensure your banking facilities are not compromised at any time.
Instruction format
Please tell us how you would like your account to run, eg, a minimum
of two signatures for cheques, three signatures for other instructions
etc. Please ensure you meet any signing stipulations as stated in your
most up-to-date governing document.
Please accept:
Two signatures
Other*
*Please indicate briefly how you wish us to accept instructions.
Your organisation name
authorises any individual named below in ‘Signatories’ (an ‘authorised person) either individually or, if relevant, with other authorised
person(s) in accordance with the information contained in ‘Instruction format’ below to:
Signatories
Please note: CAF Bank would advise a minimum of two signatories.
Ensure that all sample signatures are exactly as your signatories would normally sign as any discrepancy may result in
requests for money to be sent being returned.
In some rare circumstances we may be required to contact the signatories using the contact details provided on this form.
Account signatory 1
Mr
Mrs
Miss Other
Full name
Nationality
Date of birth
dd/mm/yy
Home address
Postcode
Home telephone
Position
Account signatory 2
Mr
Mrs
Miss Other
Full name
Nationality
Date of birth
dd/mm/yy
Home address
Postcode
Home telephone
Position
Account number(s)
Sample signature
Sample signature
(a) vary the terms of their Bank Mandate and vary or enter into
any other agreements with the Bank which they consider to
be in our interests from time to time; and
(b) give instructions concerning the operation of our bank
accounts and otherwise communicate with the Bank in
accordance with the Bank’s applicable terms and conditions
and this mandate; and
(c) give other instructions or request information to the Bank in
relation to the Accounts; opening accounts with the same
signing rules and authorised signatories; closing accounts; or
other banking services or products.
This Bank Mandate will continue until you give the Bank a replacement
instruction by completing and returning an updated Bank Mandate
signed in accordance with this Bank Mandate.
PAGE 2 of 2
Account signatory 3
Mr
Mrs
Miss Other
Full name
Nationality
Date of birth
dd/mm/yy
Home address
Postcode
Home telephone
Position
Account signatory 4
Mr
Mrs
Miss Other
Full name
Nationality
Date of birth
dd/mm/yy
Home address
Postcode
Home telephone
Position
Account signatory 5
Mr
Mrs
Miss Other
Full name
Nationality
Date of birth
dd/mm/yy
Home address
Postcode
Sample signature
Home telephone
Position
Account signatory 6
Mr
Mrs
Miss Other
Full name
Nationality
Date of birth
dd/mm/yy
Home address
Postcode
Home telephone
Position
Account signatory 7
Mr
Mrs
Miss Other
Full name
Nationality
Date of birth
dd/mm/yy
Home address
Postcode
Home telephone
Position
Account number(s)
Sample signature
Sample signature
Sample signature
Sample signature
25
Before sending us your completed application form, please ensure you have provided all the relevant information and
ticked the boxes below accordingly.
We have enclosed an extract of the minutes of a meeting attended by the board of directors/trustees or equivalent,
where it shows authority to open a new bank account. This has been signed by our chairman and certified by them
as a true extract of the minute (the signature must be an original).
We have obtained the correct number of signatures as stated in our governing document to authorise this application and
have clearly stated their job title.
We agree that we will operate the account in line with our governing document.
We confirm we have read the CAF Bank Terms and Conditions and acknowledge and accept by signing and returning this
application form to you we are agreeing to be bound by the CAF Bank Terms and Conditions as they apply to our account.
We confirm that we have read and understood the CAF Gold Account Summary Box information.
We acknowledge that the information contained in this application form and the information regarding the Account Holder
and any Reportable Account(s) (as defined in the Notes and definitions for information relevant to AEOI) may be reported
to HM Revenue & Customs and exchanged with tax authorities of another country or countries in which the Account
Holder or its Controlling Person(s) may be tax-resident pursuant to intergovernmental agreements to exchange account
information with the UK, existing currently or in the future. We consent to and authorise you to make such disclosures
and transfers and expressly waive any protection or right under data protection, confidentiality or any other applicable
law, to the extent necessary for such disclosure and transfers.
We undertake to advise CAF Bank within 30 days of any change in circumstances which affects tax residency status of the
Account Holder identified in this form or causes the information contained herein to become incorrect or incomplete, and to
provide CAF Bank with updated information and a replacement Declaration within 30 days of such change in circumstances.
If there was anything that we did not fully understand, we have sought professional advice and guidance before
sending CAF Bank our application.
We confirm we have received the FSCS Information sheet provided with this application.
We confirm that the persons detailed on this application including, if applicable, 'Controlling Persons' named in the
AEOI controlling persons self-certification form, have authorised the disclosure of their personal details to CAF Bank
and are aware of how their data may be used.
n The personal information we have collected from you will be shared with fraud prevention agencies, who will use it
to prevent fraud and money laundering and to verify your identity. If fraud is detected, you could be refused certain
services, finance or employment. Further details of how your information will be used by us and these fraud prevention
agencies, and your data protection rights, can be found in the CAF Bank General Terms and Conditions, by visiting our
website at www.cafonline.org/fraudprevention or by calling us on 03000 123 456.
We certify that the information provided in this application (including the AEOI controlling persons self-certification
form if applicable) is correct and complete.
(If required at Section 4 , Entity classification for AEOI purposes, of this application form) We certify that we have
attached an AEOI controlling persons self-certification form for each Controlling Person.
We understand that our application may be delayed if the form is not completed in full or if we do not provide
additional information when requested and accept the account application may not proceed.
We approve our account contact to also be our primary online user for CAF Bank Online (where stated) who will have
full user responsibility for administration of our CAF Bank Online service, including setting up secondary users and
allocation of their User ID and password. We understand that by allocating a second user with 'user admin'
permissions we are granting them the same level of access, authority and control as the primary user.
Please refer to the certification signing guidance on the following page on who can sign this certification
Position
The position stated should represent the required title for the signing authority stated above and for that which is stated in your governing document.
Authorised signature
Full name
Position
Date
d d m m y y
Authorised signature
Full name
Position
Date
d d m m y y
Certification
Checklist
Please check that you have completed all sections and enclosed the relevant documentation for your account to be opened. Please ensure you have:
Provided full name, date of birth, address and nationality for ALL signatories, trustees, the account contact, authorised persons and
Business Cardholders.
Provided the last six months' statements for all other bank accounts held by your organisation.
Completed section 6.7 - 6.14. If not applicable this has been stated.
Enclosed an extract of the minutes of a meeting attended by the board of directors/trustees or equivalent, where it shows authority to
open a new bank account, signed by your chairman and certified by them as a true extract of the minute (the signature is an original).
Provided a telephone password in section 6.2.
Checked that the trustees listed in this application match those registered with the Charity Commission.
Ticked and signed the certification page.
(If applicable) Enclosed completed self-certification forms for each Controlling Person.
If you need help or assistance in completing this form, please contact us on 03000 123 456.
Thank yo
u for choosing CAF Bank.
Please send your completed application form to:
CAF Bank Ltd
25 Kings Hill Avenue
Kings Hill
West Malling
Kent ME19 4JQ
26
Certification signing guidance
Authorised signatories
Girlguiding groups, Scout groups, community amateur sports clubs, educational establishments and armed forces
Please ensure at least two people from section 2.9 have signed the application form.
Companies, LLPs and CICs
Please ensure that at least two directors (as registered with Companies House) or one director and the Company Secretary
have signed this application form. If this form is signed by less than two directors or one director and the Company Secretary,
or is signed by a person who is not a director (registered with Companies House), then please enclose a certied copy of their
authority to sign on behalf of your organisation (the signature must be an original).
Charitable Incorporated Organisations (CIOs)
Please ensure that at least two directors (as registered with the Charity Commission) or one director and the Company Secretary
have signed this application form. If this form is signed by less than two directors or one director and the Company Secretary,
or is signed by a person who is not a director (registered with the Charity Commission), then please enclose a certied copy of
their authority to sign on behalf of your organisation (the signature must be an original).
Unincorporated trusts, associations, clubs, societies, religious establishments, friendly societies and other charitable organisations
Please ensure the application form has been signed by the number of people required by your trust deed, rules of association
or similar. If fewer numbers have signed, please enclose a certied copy of the amended authority to sign on behalf of your
organisation (the signature must be an original).
Notes
To help protect the integrity of tax systems, governments
around the world are introducing new information gathering and
reporting requirements for financial institutions. This is known
as the Automatic Exchange of Information for international
tax compliance (AEOI) and includes the international common
reporting standard and European directives together with the
UK-US Agreement to implement the US provisions commonly
known as ‘FATCA’ and UK agreements to exchange information
with the Crown Dependencies and Gibraltar.
Under UK legislation implementing AEOI, CAF Bank is required to
determine where an Entity or organisation is tax-resident (this will
usually be where you are likely to pay corporate income taxes). If
you are a tax resident outside the UK we may be legally required
to give HM Revenue & Customs (HMRC) this information, along
with information relating to your accounts. HMRC may then share
this information with relevant countries’ tax authorities. Dual-
resident entities may rely on the tiebreaker rules contained in tax
conventions (if applicable) to solve cases of double residence for
the purposes of determining their residence for tax purposes.
The reporting obligations described above may also apply
if you are a Passive NFE or a certain Investment Entity (see
section 4 of this application and definitions below) and have
Controlling Persons tax-resident outside the UK.
Each country has its own rules for defining ‘tax residence’ and
many countries have provided information on how to determine
if you are tax resident in the country on the following website:
www.oecd.org/tax/automatic-exchange/crs-implementation-
and-assistance/tax-residency
Further Information
The ‘Organisation for Economic Co-operation and Development’
(OECD) has developed the rules to be used by all governments
participating in the AEOI and these can be found on the OECD’s
Automatic Exchange of Information’ (AEOI) website:
www.oecd.org/tax/automatic-exchange/
If you have any questions on how to define your tax residency
status, or on the definitions below, please visit the OECD website
or speak to your tax adviser or to the tax authority in the relevant
country(ies) as CAF Bank is not allowed to provide tax advice.
Definitions
Note: These are selected definitions provided to assist you
with the completion of the tax residency and Controlling
Person information on this form. Further technical details can
be found within the OECD ‘Standards for Automatic Exchange
of Financial Account Information in tax matters’ (Standards),
the associated 'Commentary' to the AEOI, and domestic
guidance. This can be found at the following link: www.oecd.
org/tax/transparency/automaticexchangeofinformation.htm
'Account Holder' The 'Account Holder' is the person listed or
identified as the holder of a Financial Account by CAF Bank. This is
regardless of whether such person is a flow-through Entity. Thus,
for example, if a trust or an estate is listed as the holder or owner of
a Financial Account, the trust or estate is the Account Holder, rather
than the trustee or the trust’s owners or beneficiaries. Similarly, if a
partnership is listed as the holder or owner of a Financial Account,
the partnership is the Account Holder, rather than the partners
in the partnership. A person, other than a Financial Institution,
holding a Financial Account for the benefit or account of another
person as agent, custodian, nominee, signatory, investment advisor,
or intermediary, is not treated as holding the account, and such
other person is treated as holding the account.
'Active NFE' is an NFE (Non-Financial Entity) is an ‘Active
NFE’ if it meets one of the criteria listed below. In summary,
those criteria refer to:
n non-profit NFEs;
n active NFEs by reason of income and assets;
n publicly traded NFEs;
n Governmental Entities, International Organisations,
Central Banks or their wholly owned Entities;
n holding NFEs that are members of a non-financial group;
n start-up NFEs;
n NFEs that are liquidating or emerging from bankruptcy; or
n treasury centres that are members of a non-financial group.
An entity will be classified as an Active NFE if it meets any
one of the following criteria:
a) the NFE meets all of the following requirements (a 'non-
profit NFE'):
i. it is established and operated in its jurisdiction of
residence exclusively for religious, charitable, scientific,
artistic, cultural, athletic or educational purposes; or it is
established and operated in its jurisdiction of residence
and it is a professional organisation, business league,
chamber of commerce, labour organisation, agricultural or
horticultural organisation, civic league or an organisation
operated exclusively for the promotion of social welfare;
ii. it is exempt from income tax in its jurisdiction of residence;
iii. it has no shareholders or members who have a
proprietary or beneficial interest in its income or assets;
iv. the applicable laws of the NFE’s jurisdiction of residence
or the NFE’s formation documents do not permit any
income or assets of the NFE to be distributed to, or applied
for the benefit of, a private person or non-charitable Entity
other than pursuant to the conduct of the NFE’s charitable
activities, or as payment of reasonable compensation for
services rendered, or as payment representing the fair
market value of property which the NFE has purchased; and
v. the applicable laws of the NFE’s jurisdiction of residence
Notes and definitions for information relevant to the
Automatic Exchange of Information for international
tax compliance (AEOI)
27
or the NFE’s formation documents require that, upon
the NFE’s liquidation or dissolution, all of its assets be
distributed to a Governmental Entity or other non-profit
organisation, or escheat to the government of the NFE’s
jurisdiction of residence or any political subdivision.
b) less than 50% of the NFE’s gross income for the preceding
calendar year or other appropriate reporting period is
passive income and less than 50% of the assets held
by the NFE during the preceding calendar year or other
appropriate reporting period are assets that produce or are
held for the production of passive income;
c) the stock of the NFE is regularly traded on an established securities
market or the NFE is a Related Entity of an Entity the stock of which
is regularly traded on an established securities market;
d) the NFE is a Governmental Entity, an International
Organisation, a Central Bank, or an Entity wholly owned by
one or more of the foregoing;
e) substantially all of the activities of the NFE consist of holding (in
whole or in part) the outstanding stock of, or providing financing
and services to, one or more subsidiaries that engage in trades
or businesses other than the business of a Financial Institution,
except that an Entity does not qualify for this status if the Entity
functions (or holds itself out) as an investment fund, such as
a private equity fund, venture capital fund, leveraged buyout
fund, or any investment vehicle whose purpose is to acquire or
fund companies and then hold interests in those companies as
capital assets for investment purposes;
f) the NFE is not yet operating a business and has no prior
operating history, (a 'start-up NFE') but is investing capital
into assets with the intent to operate a business other than
that of a Financial Institution, provided that the NFE does
not qualify for this exception after the date that is 24 months
after the date of the initial organisation of the NFE;
g) the NFE was not a Financial Institution in the past five years,
and is in the process of liquidating its assets or is reorganising
with the intent to continue or recommence operations in a
business other than that of a Financial Institution; or
h) the NFE primarily engages in financing and hedging
transactions with, or for, Related Entities that are not Financial
Institutions, and does not provide financing or hedging services
to any Entity that is not a Related Entity, provided that the group
of any such Related Entities is primarily engaged in a business
other than that of a Financial Institution.
If the Account Holder is a Passive NFE but considers that it
should be treated as an 'Active Non-Financial Foreign Entity'
under the United States FATCA regulations then please attach a
separate note to explain why. There is no need to consider this
point if the Account Holder is not US resident and does not have
any US tax-resident controlling persons.
'Control' over an Entity is generally exercised by the natural
person(s) who ultimately (whether alone or with others) has a
controlling ownership interest (typically on the basis of a certain
percentage (eg 25%)) in the Entity. Where no natural person(s)
exercises control through ownership interests, the Controlling
Person(s) of the Entity will be the natural person(s) who
exercises control of the Entity through other means. Where no
natural person(s) is/are identified as exercising control of the
Entity through ownership interests, then under the Standards
the Reportable Person is deemed to be the natural person who
holds the position of senior managing official.
'Controlling Person(s)' are the natural person(s) who exercise
control over an entity. Where that entity is treated as a Passive
Non-Financial Entity ('Passive NFE') then a Financial Institution is
required to determine whether or not these Controlling Persons
are Reportable Persons. This definition corresponds to the term
'beneficial owner' described in Recommendation 10 and the
Interpretative Note on Recommendation 10 of the Financial Action
Task Force Recommendations (as adopted in February 2012).
In the case of a trust, the Controlling Person(s) are the settlor(s),
the trustee(s), the protector(s) (if any), the beneficiary(ies)
or class(es) of beneficiaries, or any other natural person(s)
exercising ultimate effective control over the trust (including
through a chain of control or ownership). Under the Standards
the settlor(s), the trustee(s), the protector(s) (if any), and the
beneficiary(ies) or class(es) of beneficiaries, are always treated
as Controlling Persons of a trust, regardless of whether or not
any of them exercise control over the activities of the trust.
Where the settlor(s) of a trust is an Entity then the Standards
requires Financial Institutions to also identify the Controlling
Persons of the settlor(s) and when required report them as
Controlling Persons of the trust.
In the case of a legal arrangement other than a trust, 'Controlling
Person(s)' means persons in equivalent or similar positions.
'Custodial Institution' means any Entity that holds, as a
substantial portion of its business, Financial Assets for the account
of others. This is where the Entity’s gross income attributable
to the holding of Financial Assets and related financial services
equals or exceeds 20% of the Entity’s gross income during the
shorter of: (i) the three-year period that ends on 31 December (or
the final day of a non-calendar year accounting period) prior to the
year in which the determination is being made; or (ii) the period
during which the Entity has been in existence.
'Depository Institution' means any Entity that accepts deposits
in the ordinary course of a banking or similar business.
'Entity' means a legal person or a legal arrangement, such as a
corporation, organisation, partnership, trust or foundation. This
term covers any person other than an individual (i.e. other than
a natural person).
'Financial Account' means an account maintained by a Financial
Institution and includes: Depository Accounts; Custodial
Accounts; Equity and debt interest in certain Investment Entities;
Cash Value Insurance Contracts and Annuity Contracts.
'Financial Institution' means a 'Custodial Institution', a
'Depository Institution', an 'Investment Entity', or a 'Specified
Insurance Company'. Please see the relevant domestic
guidance and the Standards for further classification
definitions that apply to Financial Institutions.
'Investment Entity' includes two types of Entities:
(i) an Entity that primarily conducts as a business one or more of
28
the following activities or operations for or on behalf of a customer:
n trading in money market instruments (cheques,
bills, certificates of deposit, derivatives, etc.); foreign
exchange; exchange, interest rate and index instruments;
transferable securities or commodity futures trading;
n individual and collective portfolio management; or
n otherwise investing, administering or managing Financial
Assets or money on behalf of other persons.
Such activities or operations do not include rendering non-
binding investment advice to a customer.
(ii) the second type of 'Investment Entity' ('Investment Entity
managed by another Financial Institution') is any Entity the
gross income of which is primarily attributable to investing,
reinvesting or trading in Financial Assets where the Entity is
managed by another Entity that is a Depository Institution, a
Custodial Institution, a Specified Insurance Company or the
first type of Investment Entity noted at (i) above.
'Investment Entity located in a Non-Participating Jurisdiction
and managed by another Financial Institution' means any
Entity the gross income of which is primarily attributable to
investing, reinvesting, or trading in Financial Assets if the
Entity is (i) managed by a Financial Institution and (ii) not a
Participating Jurisdiction Financial Institution. Such an Entity is
treated in the same way as a Passive NFE for AEOI reporting.
'Investment Entity managed by another Financial Institution'
An Entity is 'managed by' another Entity if the managing Entity
performs, either directly or through another service provider on
behalf of the managed Entity, any of the activities or operations
described in clause (i) above in the definition of ‘Investment Entity’.
An Entity only manages another Entity if it has discretionary
authority to manage the other Entity’s assets (either in whole or
part). Where an Entity is managed by a mix of Financial Institutions,
NFEs or individuals, the Entity is considered to be managed by
another Entity that is a Depository Institution, a Custodial Institution,
a Specified Insurance Company, or the first type of Investment
Entity, if any of the managing Entities is such another Entity.
'NFE' is any Entity that is not a Financial Institution.
'Non-Reporting Financial Institution' means any Financial
Institution that is:
n a Governmental Entity, International Organisation or Central
Bank, other than with respect to a payment that is derived
from an obligation held in connection with a commercial
financial activity of a type engaged in by a Specified Insurance
Company, Custodial Institution, or Depository Institution;
n a Broad Participation Retirement Fund; a Narrow
Participation Retirement Fund; a Pension Fund of a
n Governmental Entity, International Organisation or Central
Bank; or a Qualified Credit Card Issuer;
n an Exempt Collective Investment Vehicle;
n a Trustee-Documented Trust: a trust where the trustee of
the trust is a Reporting Financial Institution and reports
all information required to be reported with respect to all
Reportable Accounts of the trust; or
n any other defined in a country's domestic law as a Non-
Reporting Financial Institution.
'Participating Jurisdiction' means a jurisdiction with which
an agreement is in place pursuant to which it will provide the
information set out in the Standards and that is identified in
a published list, see: www.oecd.org/tax/automatic-exchange/
commitment-and-monitoring-process/
'Participating Jurisdiction Financial Institution' means (i) any
Financial Institution that is tax-resident in a Participating Jurisdiction,
but excludes any branch of that Financial Institution that is located
outside of that jurisdiction, and (ii) any branch of a Financial
Institution that is not tax-resident in a Participating Jurisdiction, if
that branch is located in such Participating Jurisdiction.
'Passive NFE' Under the Standards a 'Passive NFE' means: (i)
any NFE that is not an Active NFE; and (ii) an 'Investment Entity
located in a Non- Participating Jurisdiction and managed by
another Financial Institution' is also treated as a Passive NFE
for the purposes of AEOI.
'Related Entity' An Entity is a 'Related Entity' of another Entity if either
Entity controls the other Entity, or the two Entities are under common
control. For this purpose, control includes direct or indirect ownership
of more than 50% of the vote and value in an Entity.
'Reportable Account' means an account held by one or more
Reportable Persons or by a Passive NFE with one or more
Controlling Persons that is a Reportable Person.
'Reportable Jurisdiction' is a jurisdiction (country) with which
an obligation to provide financial account information is in
place and that is identified in a published list.
'Reportable Jurisdiction Person' is an Entity that is tax-resident
in a Reportable Jurisdiction(s) under the tax laws of such
jurisdiction(s) - by reference to local laws in the country where
the Entity is established, incorporated or managed. An Entity
such as a partnership, limited liability partnership or similar
legal arrangement that has no residence for tax purposes shall
be treated as resident in the jurisdiction in which its place of
effective management is situated. As such if an Entity certifies
that it has no residence for tax purposes it should complete the
form stating the address of its principal office.
Dual resident Entities may rely on the tiebreaker rules
contained in tax conventions (if applicable) to determine their
residence for tax purposes.
'Reportable Person' is defined as a 'Reportable Jurisdiction
Person', other than:
n a corporation the stock of which is regularly traded on one
or more established securities markets;
n any corporation that is a Related Entity of a corporation
described in clause (i);
n a Governmental Entity;
n an International Organisation;
n a Central Bank; or
n a Financial Institution (except for an Investment Entity
described in Sub Paragraph A(6) b) of the Standards that are
not Participating Jurisdiction Financial Institutions. Instead,
such Investment Entities are treated as Passive NFE’s.)
'Resident for tax purposes' (or 'tax-resident') Generally, an
Entity will be resident for tax purposes in a jurisdiction if,
under the laws of that jurisdiction (including tax conventions),
it pays or should be paying tax therein by reason of his
29
domicile, residence, place of management or incorporation,
or any other criterion of a similar nature, and not only from
sources in that jurisdiction. Dual resident Entities may rely on the
tiebreaker rules contained in tax conventions (if applicable) to
solve cases of double residence for determining their residence
for tax purposes. An Entity such as a partnership, limited liability
partnership or similar legal arrangement that has no residence
for tax purposes shall be treated as resident in the jurisdiction
in which its place of effective management is situated. Each
jurisdiction has its own rules for defining tax residence and
jurisdictions have provided information on how to determine
whether an entity is tax-resident in the jurisdiction on the
following website: www.oecd.org/tax/automatic-exchange/crs-
implementation-and-assistance/tax-residency. Alternatively,
please talk to your tax adviser for guidance.
'Specified Insurance Company' means any Entity that is an
insurance company (or the holding company of an insurance
company) that issues, or is obligated to make payments with respect
to, a Cash Value Insurance Contract or an Annuity Contract.
'TIN' means Taxpayer Identification Number or a functional
equivalent in the absence of a TIN. A TIN is a unique combination of
letters or numbers assigned by a jurisdiction to an individual or an
Entity and used to identify the individual or Entity for the purposes
of administering the tax laws of such jurisdiction. Further details of
acceptable TINs can be found at the following link:
www.oecd.org/tax/automatic-exchange/crs-implementation-and-
assistance/tax-identification-numbers.
Some jurisdictions do not issue a TIN. However, these jurisdictions
often utilise some other high integrity number with an equivalent
level of identification (a 'functional equivalent'). Examples of that type
of number include, for Entities, a Business/company registration
code/number.
In the UK, the TIN for an entity is its Unique Tax Reference (UTR).
For an individual it may be either their National Insurance number
or (if they have one) their UTR.
Telephone calls may be monitored or recorded for security/training purposes.
Lines are open Monday to Friday 9am - 5pm (excluding English bank holidays).
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 oce is 25 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4JQ.
Registered in England and Wales under number 1837656.
CBAPPA/0121
Eective from 14 September 2019
GENERAL TERMS AND CONDITIONS
3