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About the Channel Islands Financial Ombudsman (CIFO)

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The Channel Islands Financial Ombudsman (CIFO) is a free service, independent of the States and settles disputes between businesses providing financial services and their customers.

CIFO logo

The office is in Jersey, but covers financial services provided in Jersey, Guernsey, Alderney, and Sark.

Further information about CIFO is available on including quarterly statistical reports on CIFO's work, annual reports, case studies and decisions made. You can also sign up via the website to receive newsletters to keep in touch with the work of CIFO.

How to make a complaint

You should first make your complaint to the financial services business concerned. They have up to three months to investigate and respond to your complaint.

If you are unhappy with their reply or have not received a satisfactory response within three months, you may be able to make your complaint to the ombudsman.

More information is available on the CIFO website. Alternatively, you can contact CIFO directly.


01481 722218


Channel Islands Financial Ombudsman (CIFO)
P O Box 114
Jersey, Channel Islands

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