Personal banking


CAF Bank’s personal banking service makes it easy to help the causes you care about

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We recognise the financial impact that coronavirus is having and we're available to help. Should you have any concern about the impact to your personal finances, please do not hesitate to contact us.


For our existing clients with an overdraft already in place, we can provide these facilities interest-free to help during this challenging time. Find out more


We know that it’s important to be able to manage your everyday banking in an effective way, with dedicated support from your own relationship manager.

People who are passionate about making a difference want to be able to support the causes they care about, in a structured and tax-effective way, whenever they want to.



Bespoke banking

Essential day-to-day banking based on your individual requirements

A first-class, personal approach

Access to a dedicated relationship manager

Supports your philanthropy

Personal banking connected to your charitable giving account

*at the Bank's discretion, subject to status and credit assessment

Arranged Overdraft facility

Flexible borrowing with an arranged overdraft* What would it cost

More than just banking

We reinvest any profit back into the charitable sector

Online banking

24/7 access to manage your transactions with convenience and ease


Email, telephone and face-to-face banking

Receiving and Sending money

A debit card, cheque and paying-in books

*At the Bank’s discretion, subject to status and credit assessment


  • Charity is in our DNACAF Bank is owned by a major UK charity, Charities Aid Foundation (CAF).
  • Supporting charitable work – our profits are reinvested to help fund CAF’s work supporting the charitable sector.
  • Shared values – our ethical approach means we’re devoted to helping you make a real difference.
  • UK-based support – our friendly, experienced team is on hand to help you.
  • Dependable – we're committed to serving you with integrity and professionalism.
  • CAF Bank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.



Find out about your rights when making payments in Europe.


There is a monthly fee of £25 for maintaining the CAF Bank Personal Account.

Linked to a CAF Charity  Account, you’ll reduce your Charity Account charges down to 1%, meaning more of your money goes to your cause. 

The personal touch

Our team of dedicated relationship managers  will deliver a first class banking service to you. We’re committed to supporting you with integrity and professionalism.

We’ll work with you to understand your individual requirements so that we can support your everyday banking transactions and any other personal banking needs.

How we describe our banking services

The meaning of the words and phrases we use are detailed in the CAF Bank General Terms and Conditions, Section 1, Meaning of words and phrases.

In addition, the Financial Conduct Authority has published a set of standardised terms and definitions that all banks use to describe their payment account services. A glossary of the terms and definitions we use is available to view here. These definitions apply to each term, unless we clearly explain otherwise.

We set out the cost of our banking services in the CAF Cash Account Fee Information Document, which is designed to make it easier for you to compare the cost of our services with those of other banks. 


Want to know more?


Our professional team is ready to answer any questions you have.

Contact the team


Why do small charities need your help?

Recent research shows that that demand for services has increased for four out of five organisations in the last year.

Three steps to making the most of your giving

Giving should be rewarding for you and the charities you support. With a bit of planning, your philanthropy can create the impact you want.

Meet the team

Our expert team can help people like you, who expect their banking services to support their values.


We offer a range of products and services to help you get the most out of giving.

Development finance

We offer flexible loans to help you with your property purchase, redevelopment and refurbishment.

Learn more
Give to the causes you care about

CAF Charity Account

You put a little aside when you have it, to support your favourite causes whenever you want.

A better way to give
Make a real difference with a CAF Trust

CAF Charitable Trust

If you want to give more than £10,000, the CAF Charitable Trust is the most flexible way to support your favourite causes.

Start transforming lives around the world

CAF Resilience

Support our new initiative to help small and medium UK charities grow more resilient.

Help charities weather the storms

CAF Bank loans are non-regulated products.

Your personal or company’s assets may be at risk if you do not keep up with the repayments for a mortgage, loan or any other debt secured on them.

If you are thinking of consolidating existing borrowing, you should be aware that you may be extending the term of the debt and increasing the total amount you pay.

This product is provided by CAF Bank Ltd.

CAF Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 204451). CAF Bank Limited Registered office is 25 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4JQ. Registered in England and Wales under number 1837656. 

Charities Aid Foundation © | Registered Charity Number 268369
25 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4TA
10 St. Bride Street, London EC4A 4AD
Telephone: 03000 123 000