Firm analysis

Ikano Bank AB (publ) complaint analysis

A public analysis page covering published Financial Ombudsman decisions involving Ikano Bank AB (publ), including outcome context, product mix, complaint themes, and representative cases.

Page summary

390 published decisions involving Ikano Bank AB (publ), with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.

Published decisions

390

Firm-specific decision volume in the public corpus

Upheld rate

48.7%

190 upheld decisions

Latest published decision 30 Sept 2025

Published decisions

390

Firm-specific decision volume in the public corpus

Upheld rate

48.7%

190 upheld decisions

Leading product

Consumer Credit

347 decisions

Leading complaint theme

Non-disclosure Or Misrepresentation

91 tagged decisions

Ikano Bank AB (publ) at a glance

Ikano Bank AB (publ) appears in 390 published decisions in this corpus. 48.7% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.

Consumer Credit is the firm’s clearest product exposure in the published decisions, with 347 decisions and an upheld rate of 49.6%.

  • Latest active year in the published data: 2025 (18 decisions)
  • Most common complaint theme: Non-disclosure Or Misrepresentation
  • Most common precedent signal: Consumer Credit Act 1974

Volume and outcome trajectory

Ikano Bank AB (publ)'s decision trail runs from 2014 to 2025. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.

In the latest year represented here, Ikano Bank AB (publ) appeared in 18 published decisions with an upheld rate of 22.2%.

  • 2025: 18 decisions, 22.2% upheld
  • 2024: 33 decisions, 27.3% upheld
  • 2023: 73 decisions, 34.3% upheld
  • 2022: 133 decisions, 39.1% upheld
  • 2021: 93 decisions, 87.1% upheld

Themes, products, and precedent signals

Non-disclosure Or Misrepresentation is the strongest complaint-theme signal tied to Ikano Bank AB (publ) in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.

Consumer Credit Act 1974, Section 75 Cca, Section 140a Cca are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.

  • Consumer Credit: 347 decisions
  • Second complaint theme: Delay In Claim Handling
  • Second precedent signal: Section 75 Cca

Representative cases

Recent published decisions in this slice

5 examples shown

DRN-581355130 Sept 2025Not upheld

Ikano Bank AB (publ) · Consumer Credit

DRN-5813551 The complaint Miss W complains Ikano Bank AB (publ) (Ikano) failed to carry out appropriate financial checks before it approved a store card account for her. What happened Miss W says Ikano approved a store card account for her in April 2019 with a credit limit of £200, alth... (3 pages)

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DRN-583848524 Sept 2025Upheld

Ikano Bank AB (publ) · Consumer Credit

DRN-5838485 The complaint Mr A has complained about the way Ikano Bank AB (publ) (“Ikano”) handled an application he’d made for a credit agreement. What happened The circumstances of the complaint are well known to the parties so I’m not going to go over everything again in detail. But ... (4 pages)

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DRN-582433619 Sept 2025Not upheld

Ikano Bank AB (publ) · Consumer Credit

DRN-5824336 The complaint Mrs S complains about the outcome of a claim she made to Ikano Bank AB (publ) (“Ikano”) about a sofa purchase. What happened In April 2022, Mrs S took out a fixed sum loan agreement with Ikano to pay for sofas that she’d ordered with a supplier I’ll call ‘D’. T... (3 pages)

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DRN-538594204 Sept 2025Not upheld

Ikano Bank AB (publ) · Consumer Credit

DRN-5385942 The complaint Mr M complains Ikano Bank AB (publ) provided him with an unaffordable fixed sum loan. What happened In April 2019 Ikano Bank provided Mr M with a loan of around £5,650 to purchase windows. The loan was repayable over 60 monthly instalments of around £120 and ha... (3 pages)

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DRN-527357027 Aug 2025Upheld

Ikano Bank AB (publ) · Consumer Credit

DRN-5273570 The complaint Mrs C complains about the sale of a finance product by Ikano Bank AB (publ). What happened The parties are familiar with the background details of this complaint – so I will briefly summarise them here. It reflects my role resolving disputes with minimum formal... (4 pages)

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