Our charity deposit accounts comparison tables are 100% independent and completely unbiased.

Scroll down to see charity deposit accounts for instant access, 7 day notice, 30 day notice, 60 day notice, 90 day notice, 6 month notice, 12 month notice, 1 year fixed, 2 year fixed and 3 year fixed.

Instant Access

CompanyName of AccountAERMinimum DepositType of Account
Charities, Clubs & Associations Account
(Postcode Restrictions apply)
0.75%
£1Branch, Post
Charity Deposit Account
Issue 4
0.50%£1Post
Community Saver
Issue 2
0.50%£1Branch, Post
Treasurers Deposit Account0.40%£1Branch, Post
Charity Instant Access Account0.25%
0.20%
0.15%
0.10%
£1,000,000
£500,000
£100,000
£1
Branch
Charity Instant Access Account0.25%
0.20%
0.15%
0.10%
£1,000,000
£500,000
£100,000
£1
Branch

7 Day Notice Account

CompanyName of AccountAERMinimum DepositType of Account
Charity Deposit Account0.01%£500Telephone, Post

30 Day Notice Account

CompanyName of AccountAERMinimum DepositType of Account
Community Deposit Maxi Account (Issue 1)
Available to clubs, associations and registered charities who are based in Nottinghamshire, Derbyshire or South Yorkshire.
1.25%£1,000Branch, Post
Ethical 40 Day Notice Charity Trust & Unincorporated Association Account0.55%

0.40%
£25,000 - £250,000
£25 - £24,999
Post

90 Day Notice Account

CompanyName of AccountAERMinimum DepositType of Account
UTB 100 Day Notice Account1.05%£5,000Post
Hampshire Trust Bank90 Day Business Notice Account
Issue 1
1.00%£5,000Post
Ethical 100 Day Notice Charity Trust & Unincorporated Association Account0.65%

0.50%
£25,000 - £250,000
£25 - £24,999
Post
Business and Charity Deposit Account0.35%
0.30%
£5,000+
£1,000
Internet, Post, Telephone
90 Day Notice Account0.10%£10,000Post

6 Month Notice

CompanyName of AccountAERMinimum DepositType of Account
6 Month Notice1.10%£50,000Post
Charity Term Deposit
(Available to exisiting customers only)
0.30%£25,000Telephone
Charity Term Deposit
(Available to exisiting customers only)
0.30%£25,000Telephone

12 Month Notice Account

CompanyName of AccountAERMinimum DepositType of Account
12 Month Notice Account1.61%£50,000Post
12 Month Fixed Rate Saver Issue 11.30%£1,000Post

1 Year Fixed Rate

CompanyName of AccountAERMinimum DepositType of Account
Hampshire Trust Bank1 Year Business Bond
Issue 11
1.40%£5,000Post
Charity 1 Year Bond1.35%£5,000Internet, Telephone
Cambridge & Counties Bank1 Year Fixed Rate Business, Trust and Charity Bond 1.10%£10,000Post
Ethical 1-Year Charity, Trust and Unincorporated Association Fixed Rate Account1.10%
0.70%
£25,000 - £250,000
£2,500 - £24,999
Post
Community Fixed Term Deposit Account0.80%£5,000Internet
Charity Term Deposit
(Available to exisiting customers only)
0.65%£25,000Internet, Telephone
Charity Term Deposit
(Available to exisiting customers only)
0.65%£25,000Internet, Telephone
1 Year Fixed Term Deposit Account (Non-Personal)0.50%£10,000Post
1 Year Fixed Term Deposit Account0.50%£10,000Telephone, Post

2 Year Fixed Rate

CompanyName of AccountAERMinimum DepositType of Account
Hampshire Trust Bank2 Year Business Bond
Issue 12
1.50%£5,000Post
2 Year Fixed Rate1.20%£100,000Post
18 Month Fixed Rate1.10%£100,000Post
Charity Term Deposit
(Available to exisiting customers only)
0.90%£25,000Internet, Telephone
Charity Term Deposit
(Available to exisiting customers only)
0.90%£25,000Internet, Telephone

3 Year Fixed Rate

CompanyName of AccountAERMinimum DepositType of Account
Hampshire Trust Bank3 Year Business Bond
Issue 9
1.60%£5,000Post
Cambridge & Counties Bank3 Year Fixed Rate Business, Trust and Charity Bond1.40%£10,000Post
Ethical 3-Year Charity, Trust & Unincorporated Association Fixed Rate Account1.30%

1.00%
£25,000 - £250,000
£1,000 - £24,999
Post

Charity Deposit Accounts

If you’re a Charity and want to open a Charity deposit account, it’s essential that you shop around. When compared to personal savings accounts, Charity deposit accounts offer lower interest rates and a low number of accounts, making it the more important to research for the best rates.

Our Charity deposit account best buy tables, are independent and 100% unbiased.  The Charity deposit accounts on offer are, instant access, 7 day notice, 30 day notice, 60 day notice, 90 day notice, 6 month notice, 12 month notice, 1 year fixed, 2 year fixed and 3 year fixed rate deposit accounts.

Naturally, the longer your organisation ties up the capital invested in a Charity deposit account, the higher the interest rate. The rate can be boasted further by the amount of money invested in an account. A number of Charity savings accounts use an interest rate tiered structure. Before opening a Charity deposit account, you should consider the type of access you want from the account.

Applicable compensation scheme

The accounts featured in the above table are covered by a number of different compensation schemes.

For banks and building societies who are members of the Financial Services Compensation Scheme (FSCS) you should check whether your charity meets the qualifying criteria. The following information is taken from the FSCS website:

FSCS was set up mainly to assist private individuals, although some smaller businesses are also covered. Larger businesses are generally excluded, although there are some exceptions to this (for example for claims in respect of certain compulsory insurances). Our rules tell us which claims are eligible and form part of the FSA’s Handbook of rules and guidance, under Redress, Compensation.

As an indicative guide only, for the purposes of deposit and investment claims, smaller companies are protected. A smaller company must meet two of the following criteria (as set out in section 247 of the Companies Act 1985 or section 382 of the Companies Act 2006 as applicable):

  • Turnover: not more than £6.5 million
  • Balance sheet total: not more than £3.26 million
  • Total number of employees: not more than 50

The same levels of compensation apply whether the claimant is a private individual, small business, or a small company.

More information about the various compensation schemes can be found by clicking on the links below:

Financial Services Compensation Scheme
Isle of Man’s Depositors’ Compensation Scheme
Guernsey Banking Deposit Compensation Scheme
Eligible Liabilities Guarantee Scheme