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, 90 Day Notice and Fixed Term Deposit 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
  • Scottish Widows Bank
  • Flagstone Investment Management 
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Savings and deposit account options

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. Compare our 60 day and 90 day accounts to find the right one for you.

Put your charity funds aside for longer

Fixed term accounts

Make your savings work harder by putting them aside for longer. We have two options from different providers, paying a fixed rate for 12 months.

CAF Charity Deposit Platform

Suitable for charities with over £50k to save, our platform gives access to around 80 notice and fixed term accounts.

Find out more

Compare savings accounts

Product type Interest rate
Minimum deposit Withdrawals Minimum opening balance Provider and promoter  
CAF Gold Account 0.10%
Gross1/AER2
 £1,000 Instant £1,000 and above CAF Bank More about CAF Gold
CAF 60 Day Notice Account - Issue 6
 0.30% Gross1/AER2 for 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 90 Day Notice Account 0.05% Gross1/AER2 £10,000 90 days' notice3 £10,000 to £5m Promoted by CAF Financial Solutions Limited and provided by Scottish Widows Bank More about the CAF 90 Day Notice Account
CAF 12 Month Fixed Rate Saver - Issue 5 0.70% Gross1/AER2 £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
CAF 1 Year Fixed Term Deposit Account 0.15% Gross1/AER2 £10,000 After 1 year fixed term only £10,000 to £5m Promoted by CAF Financial Solutions Limited and provided by Scottish Widows Bank More about the CAF 1 Year Fixed Term Deposit Account
CAF Charity Deposit Platform Range of rates None Based on term and notice per deposit account £50,000 Promoted by CAF Financial Solutions Limited and provided by Flagstone Investment Management ('Flagstone') More about the CAF Charity Deposit Platform

Check the interest rates on our withdrawn savings accounts and issues which are no longer available to new customers.


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. 

3 You can ask to withdraw or close the account with less than 90 days’ notice. If Scottish Widows Bank agrees, they will deduct the equivalent of 90 days’ Gross interest on the amount withdrawn.



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Our experienced team is on hand to discuss savings and deposit account options for your charity.

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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 held by Shawbrook Bank Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

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

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 Investment Management (‘Flagstone’) and introductions are made by CAF Financial Solutions Limited (CFSL).

Flagstone is registered as a limited company in England and Wales No. 08528880. Registered Office: 1st Floor, Clareville House, 26-27 Oxendon Street, London, SW1Y 4EL. Flagstone is authorised and regulated by the Financial Conduct Authority (Reference Numbers 676754 and 605504).