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Financial Services Support

BMW Financial Services Customer Complaints.

BMW Financial Services is committed to providing products and service of the highest standard. If for any reason you feel we have not lived up to your expectations or you are not entirely satisfied with any aspect of our service please let us know. The information shown below provides a brief overview of how we deal with complaints, our customer complaints process and where to direct any complaints.

BMW Financial Services will investigate all complaints competently, diligently and impartially obtaining additional information as necessary. Every complaint will be assessed fairly, consistently and promptly taking into account all relevant factors to ensure a fair outcome for the customer.

For details of how to make a complaint in relation to your BMW insurance, please select the appropriate insurance product and policy document on the BMW Insurance Solutions page.

The FCA’s deadline (29th August 2019) regarding Payment Protection Insurance Complaints (PPI) has now passed. BMW FS will therefore not consider any complaints about PPI we receive after this date.


 

For more information on the Motor Finance Redress Scheme click here.

BMW Financial Services Complaints Procedure

How to complain about your finance agreement.

Complaints Data.

Complaints publication report

Firm name: BMW Financial Services (GB) Limited

Other firms included in this report (if any): None

Period covered in this report: 1st July 2025 – 31st December 2025

Brands/trading names covered: BMW Financial Services, MINI Financial Services, BMW Motorrad Financial Services, ALPHERA Financial Services, Rolls-Royce Motor Cars Financial Services, BMW Contract Hire, BMW Group Financial Services, ALPHERA Insurance Solutions, BMW Finance, BMW Group Insurance Solutions, BMW Insurance Solutions, BMW Motorrad Finance, BMW Motorrad Insurance Solutions, MINI Finance, MINI Insurance Solutions.

Product/service grouping

Insurance and pure protection

Credit related

Provision (at reporting period end date)

N/A

229.86  complaints per 1000 credit related agreements 

Intermediation (total number of policies previously sold)

0 complaints per 1000 policies sold

N/A

Number of complaints opened

0

217,037

Number of complaints closed

0

7,394

Percentage closed within 3 days

0%

N/A

Percentage closed after 3 days but within 8 weeks

0%

N/A

Percentage upheld

N/A

26.45%

Main cause of complaints opened

N/A

N/A

To help you put these figures into context:

The number of insurance related complaints opened during the reporting period is equivalent in volume to 0 complaints per 1000 Insurance and pure protection policies previously sold.

BMW Financial Services (GB) along with other motor finance firms has received a significant increase in complaints linked to Discretionary Commission Arrangements (“DCA”). The FCA has paused the usual 8-week deadline for issuing Final Responses for these types of complaints, therefore the figures above show a high number of unresolved complaints. Further, the ratio of complaints opened per 1,000 credit-related regulated agreements is also higher, as a result of the significant increase in complaints linked to DCA.

The number of credit related complaints opened during the reporting period is equivalent in volume to 229.86 complaints per 1000 credit-related regulated agreements in place on 31st December 2025.