Sean Henderson, 49, from Tetney, North East Lincolnshire, was released on bail and is due to appear before Sheffield Magistrates' Court on 8 July.
Three other people were also charged with related offences, police said.
Ella's mother, Michelle Henderson, was arrested after their family home was raided by officers in April 2013.
She has since been released without charge. A fifth person was due to be charged later this week, police added.
Ella Henderson, 19, came sixth in the ITV talent programme and signed a record deal with Simon Cowell. She is currently on tour with Take That.
The father of former X Factor contestant Ella Henderson has been charged with seven offences relating to fraud, theft and money laundering.