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
Community Saver
Issue 3
0.75%£1Branch
Post
Gross Account
(For Clubs and Charities based in Cumbria)
0.75%£25Branch
Post
Ethical Easy Access 0.75%£10,000Internet
Post
Business Instant Saver
Issue 7
0.65%£10,000Internet
Treasurers Deposit Account0.55%£1Branch
Post
Charities, Clubs & Associations Account
(Postcode Restrictions apply)
0.50%
£1Branch
Post
Charity Deposit Account
Issue 6
0.50%£1Post
World Land Trust Affinity Account0.50%£250Branch
Post
Charity Instant Access Account0.40%
0.25%
0.20%
0.15%
£1,000,000
£500,000
£100,000
£1
Telephone
Branch
Charity Instant Access Account0.40%
0.25%
0.20%
0.15%
£1,000,000
£500,000
£100,000
£1
Telephone
Branch

7 Day Notice Account

CompanyName of AccountAERMinimum DepositType of Account
8 Day Notice Deposit Account0.15%
0.10%
£5,000+
£1,000 - £4,999
Telephone

30 Day Notice Account

CompanyName of AccountAERMinimum DepositType of Account
Community Deposit Maxi Account (1st Issue)
Available to clubs, associations and registered charities who are based in Nottinghamshire, Derbyshire or South Yorkshire.
1.40%£500Branch, Post
35 Day Business Savings Account
Issue 2
1.35%£10,000Internet
Cambridge & Counties Bank31 Day Notice Account1.30%£10,000Post

90 Day Notice Account

CompanyName of AccountAERMinimum DepositType of Account
95 Day Business Savings Account
Issue 2
1.60%£10,000Internet
Hampshire Trust Bank90 Day Business Notice Account
Issue 5
1.55%£5,000Post
UTB 100 Day Notice Account1.50%£5,000Post
90 Day Notice Account -
Expected Profit Rate
1.50%£250Internet
Telephone
Branch
Post
Cambridge & Counties Bank95 Day Notice Business Savings Account Issue 71.50%£10,000Post
90 Day Business Notice Account1.20%£1,000Post

6 Month Notice

CompanyName of AccountAERMinimum DepositType of Account
Cambridge & Counties Bank180 Day Notice - Issue 11.65%£10,000Post
6 Month Charity Term Deposit


0.80%£25,000Telephone
Branch
6 Month Charity Term Deposit
0.80%£25,000Telephone
Branch

12 Month Notice Account

CompanyName of AccountAERMinimum DepositType of Account
12 Month Fixed Rate Saver
Issue 1
1.30%£1,000Post

1 Year Fixed Rate

CompanyName of AccountAERMinimum DepositType of Account
Fixed Deposit2.02%£1Branch
Fixed Rate Deposit1.90%£1,000Branch
Post
Cambridge & Counties Bank13 Month Fixed Rate Business, Trust and Charity Bond1.86%£10,000Post
Business Savings Bond
Issue 1
1.85%£10,000Internet
Telephone
Charity 1 Year Bond1.85%£5,000Internet
Telephone
Hampshire Trust Bank1 Year Business Bond
(Issue 18)
1.80%£5,000Post
Cambridge & Counties Bank1 Year Fixed Rate Business, Trust and Charity Bond
Issue 2
1.60%£10,000Post

2 Year Fixed Rate

CompanyName of AccountAERMinimum DepositType of Account
Cambridge & Counties Bank2 Year Fixed Rate Business, Trust and Charity Bond2.00%£10,000Post
Hampshire Trust Bank2 Year Business Bond
(Issue 18)
1.95%£5,000Post
Charity 2 Year Bond1.80%£5,000Internet
Telephone
24 Month Charity Term Deposit1.50%£25,000Telephone
Branch
24 Month Charity Term Deposit1.50%£25,000Telephone
Branch
2 Year Fixed Term Deposit1.40%
1.30%
£500,000+
£100,000+
Post
18 Month Fixed Term Deposit1.30%
1.20%
£500,000+
£100,000+
Post

3 Year Fixed Rate

CompanyName of AccountAERMinimum DepositType of Account
Hampshire Trust Bank3 Year Business Bond (Issue 13)2.05%£5,000Post
Cambridge & Counties Bank3 Year Fixed Rate Business, Trust
and Charity Bond
2.20%£10,000Post
3 Year Fixed Term Deposit1.50%
1.40%
£500,000+
£100,000+
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