Grow and protect your charity's funds

Make the most of excess reserves whilst they are not needed.

Savings accounts are a great way to get your money working for you while you don’t need to spend it. Our Instant Access, 60 Day Notice, and 12 Month Fixed Rate Saver accounts are designed specifically for charitable organisations. 

And, as we’re a charity ourselves, you can feel reassured that any profits we make are reinvested into the charity sector.

Our savings partners 

As well we as providing our own products, to bring you a wider range of savings solutions, we work with trusted expert providers:

  • Shawbrook Bank
  • Flagstone Investment Management 
Borrowing from CAF Bank

Savings options to help you make the most of your surplus cash 

CAF Charity Deposit Platform

Suitable for charities with over £150k to save, our platform gives access to around 90 notice and fixed term accounts.

Find out more
Get instant access to your charity savings

Instant access account

Make withdrawals as and when you need access to your savings.

Find out more
Get access to your charity funds with notice

Notice accounts

Get more from your money by giving notice of withdrawals.

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Put your charity funds aside for longer

Fixed term accounts

Make your savings work harder by putting them aside for longer. We have an option paying a fixed rate for 12 months.

Find out more

Compare Accounts 

Product type Interest rate / frequency
Minimum deposit Withdrawals Minimum opening balance Provider and promoter  
CAF Charity Deposit Platform Range of rates None Based on term and notice per deposit account £150,000 Promoted by CAF Financial Solutions Limited and provided by Flagstone Investment Management ('Flagstone') More about the CAF Charity Deposit Platform
CAF Gold Account 2.52%
AER2
Variable

2.50%
Gross1
Quarterly
None Instant None CAF Bank More about CAF Gold

Available to CAF Cash Account holders only
CAF 60 Day Notice Account - Issue 8
3.30%
AER2
Variable

Gross1
3.30% Annually
3.25% Monthly balances over £1,000

0.05% Gross1/AER2 for balances under £1,000
£1,000 60 days' notice £1,000 to £10m Promoted by CAF Financial Solutions Limited and provided by Shawbrook Bank Limited More about the CAF 60 Day Notice Account
CAF 12 Month Fixed Rate Saver - Issue 7
4.30%
AER2
Variable

Gross1
4.30% Annually
4.22% Monthly
£1,000 After 12 months fixed term only £1,000 to £10m Promoted by CAF Financial Solutions Limited and provided by Shawbrook Bank Limited More about the CAF 12 Month Fixed Rate Saver

Are your funds in a previous Issue of an account, or held on a matured funds account? If so check the interest rates here. You may be able to receive a higher return by switching to a current Issue or different account.

1 Gross means that interest will be paid without any deduction of tax. You are responsible for paying any tax due to HMRC.

2 AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. 

  Contact the team

PROTECTING YOUR MONEY

Your eligible deposits with CAF Bank are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.

Your eligible deposits with Shawbrook Bank Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.

Your eligible deposits with Lloyds Bank plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. This limit is applied to the total of any deposits you have with the following: Lloyds Bank, Mayfair Private Banking, Lloyds Bank Private Banking, WorldWide Service and Scottish Widows Bank. Charities Aid Foundation savings accounts in association with Scottish Widows Bank are also deposits with Lloyds Bank plc. Any total deposits you hold above the limit between these brands are unlikely to be covered.

Accounts created on the Flagstone platform with onshore UK banks provide clients with the same FSCS protection as if the deposit had been placed directly with that bank. FSCS deposit protection is currently £85,000 per authorised bank per depositor.

Any deposits you hold above the limit are unlikely to be covered.

For more information on the scheme, view the FSCS leaflet or visit the FSCS website.

FSCS Protecting your money

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Want to know more?

Talk to us today

Our experienced team is on hand to answer any questions about your charity’s money.

Contact the team

 

Make more of your savings


If you want to make the most of your funds, looking for ways to maximise what you earn on your savings is essential.

Charities


Whatever your size, we provide solutions for funding and financing your charity's needs.

Loan finance - are charities missing an opportunity?


Is your charity thinking about loan finance, but feel that you haven't quite got enough details to make an informed decision?

Some our great products and services 

We offer a full range of financial services specifically designed to help charities or not-for-profit organisations. Here are some that may be of interest to you.

No monthly or subscription fees

Online donation platform

Grow your income with our donation platform, CAF Donate. No sign-up or monthly fees, branded donation pages and automatic Gift Aid reclaim.

Find out more about CAF Donate
Manage your charity's banking

Everyday banking

Manage your charity’s day-to-day banking in a way that suits you.

About CAF Cash
Loans to make your plans a reality

Loans

If you're buying, developing or refinancing your property - CAF Bank can help make your charity's plans a reality.

More about secured loans
We can help your charity be successful

Strategic consultancy

Our Advisory team has years of experience helping charities become more successful.

How we can help

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.

Shawbrook Bank Limited Registered office Lutea House, Warley Hill Business Park, The Drive, Great Warley, Brentwood, Essex CM13 3BE. Registered in England – Company Number 388466. Shawbrook Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Scottish Widows Bank is a trading name of Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales, no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278.

CAF Financial Solutions Limited (CFSL) is authorised and regulated by the Financial Conduct Authority under registration number 189450. CFSL Registered office is 25 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4TA. Registered under number 2771873.
CFSL is a subsidiary of Charities Aid Foundation (registered charity number 268369).

The CAF Charity Deposit Platform is provided by Flagstone Group Ltd and introductions are made by CAF Financial Solutions Limited (CFSL).

Flagstone Group Ltd is authorised by the Financial Conduct Authority (Reference Number 605504) under the Payment Service Regulations 2017 for the provision of payment services. Flagstone, 1st Floor, Clareville House, 26-27 Oxendon Street, London, SW1Y 4EL