FCA Bank GmbH products, services and reviews

About FCA Bank GmbH

FCA Bank GmbH is the German arm of the former FCA Bank group, the automotive captive finance provider historically linked to Fiat Chrysler Automobiles and Crédit Agricole Consumer Finance; in 2023 the group adopted the CA Auto Bank brand after a change in ownership, and the German business now operates under that branding. The company’s activities focus on point‑of‑sale financing for new and used vehicles, operating and finance leasing, dealer floorplan funding, and the brokerage of insurance and related mobility services for a range of manufacturers distributed through dealer networks and online channels. In Germany it also raises retail funding via instant‑access and fixed‑term savings accounts, with deposits covered up to EUR 100,000 per eligible depositor under the statutory deposit guarantee applicable to the licensed entity. Pricing on loans and leases depends on credit profile, term, vehicle type, and residual value assumptions; applications are subject to standard KYC and credit checks under German consumer credit rules, and contract terms set conditions on mileage, wear and tear, early termination, and purchase options. The institution is subject to banking regulation and prudential oversight in the relevant jurisdiction (home and, where applicable, host supervisors) and publishes audited financial statements; its risk profile is concentrated in the automotive value chain, including residual‑value and interest‑rate risk managed through funding diversification and hedging policies. Customer access is provided through digital portals, call centers, and dealerships, with account servicing in German and complaints handled via internal procedures and the competent ombudsman or supervisory authority.