CAF Give As You Earn

Make giving count

CAF GIVE AS YOU EARN

A flexible and tax-effective way for employees to donate to causes that matter to them the most.

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IMPORTANT INFORMATION

During this global crisis, many charities are facing financial difficulties and struggling to deliver much needed support to the most vulnerable and to our communities. Visit our COVID-19 hub for further information, including about our CAF Coronavirus Emergency Fund,  and how you can support the charitable sector right now.


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ENABLE EMPLOYEES TO GIVE TO CAUSES THEY CARE ABOUT

    Our Payroll Giving service, CAF Give As You Earn, is an easy way to connect with your employees and help them identify with your organisation's purpose.

    It also provides charities with a regular income and saves them the admin of having to claim Gift Aid.

    Watch the video to find out how two payroll givers at Schroders make the most of their scheme.

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    WHY CHOOSE CAF GIVE AS YOU EARN

    Donate to any UK-registered charity

    Including scout groups, local churches and schools.

    Robust charity verification

    We check that every charity is legitimate, so that donations go to the right place.

    Flexible with 3rd party providers

    We can work directly with 3rd party providers to set up your scheme, saving you time and hassle.

    Match employees' donations

    This is free of charge with your service, and it can boost employee engagement.

    Customised online employee sign-up

    Add your company’s name and logo to the sign-up page.

    Real-time and monthly notifications

    Keep track of your new employee instructions through real-time or monthly notifications.

    SELECT A SET-UP OF THE SCHEME THAT SUITS YOU

    CHARITY ACCOUNT

    • An online account for employees who prefer flexibility

    • Accumulate donations and disburse as they see fit

    • Sponsor friends and family or respond to disaster appeals


    [] Online
    [] Professional Fundraising Organisation
    [] Flexible Benefits platform



    Monthly minimum donation:
    £10 (£4 through a Flexible Benefits Platform)
    Fee: tiered model, starting at 4%

     

    DIRECT TO CHARITY

    • The easiest way to give with minimal interaction required

    • Donations taken straight from employees' pre-tax salary





    [] Online
    [] Professional Fundraising Organisation
    [] Flexible Benefits platform



    Minimum donation:
    £1
    Fee: 4%, with maximum fee capped at £10.00

    STAFF CHARITY FUND

    • Pool your employees’ donations into one account

    • Make a substantial collective contribution to a predetermined cause or charity
    • Set up accounts by region to track regional engagement and contribute towards fundraising targets






    Minimum donation:
    No minimum
    Fee: 1%


    OUR PROCESS IS DESIGNED TO MAKE IT EASY

    CAF Donate, process offline donations

    STEP 1

    Set up your scheme and decide if you want your employees to sign up via CAF Online, Professional Fundraising Organisation or Flexible Benefits Provider


    CAF in-depth donor reports & insights

    STEP 2

    Deduct the donations from your employees’ payroll

    world-wide-web

    STEP 3

    Log on to the CAF Online portal and upload your payroll deduction report





    Favourite causes

    STEP 4

    Transfer the employee donations to CAF; we’ll  verify employee charity choices before distributing the funds

    philanthropists

    STEP 5

    Promote your scheme and monitor your donor uptake






    FREQUENTLY ASKED QUESTIONS

    • What is CAF Give As You Earn?

      CAF Give As You Earn is the leading UK Payroll Giving scheme that enables employees to give to any UK charity straight from their salary. With Payroll Giving you can provide charities with a regular income, to allow them to plan ahead and budget for the future. Donations are tax-effective because they are taken before tax is applied, which means the charity get more of your donation and it costs the donor less. Payroll Giving is a great employee benefit to utilise for this reason.

    • Who is the Charities Aid Foundation (CAF)?

      CAF is one the UK's largest charities which helps people and businesses to support the charities they care about simply and tax-effectively. CAF is the leading HMRC approved Payroll Giving Agency and the organisation that your company uses to provide you with a charitable Payroll Giving employee benefit. The name of the Payroll Giving scheme provided by CAF is CAF Give As You Earn.

    • How Is CAF Give As You Earn tax-effective?

      Donations made to charity through CAF Give As You Earn are taken from pay or company/personal pension after National Insurance contributions are removed but before Income Tax is calculated and deducted. This means there is tax relief, depending on the rate of tax paid. So, for example, for a basic rate taxpayer, giving £1 would only cost 80p.

      Tax is calculated on a lower amount; this could change your tax bracket and lower the amount of tax you pay

      Tax relief on donations is applied immediately, at an individuals highest rate of tax, and this money can be passed onto charity

      Depending on tax bracket a £20 donation would cost the following:

      • As a 20% taxpayer a £20 donation costs you £16.00
      • As a 40% taxpayer a £20 donation costs you £12.00
      • As a 45% taxpayer a £20 donation costs you £11.00 
    • Are CAF Give As You Earn donations eligible for Gift Aid?

      CAF Give As You Earn donations are not eligible for Gift Aid as the funds have already been treated with the appropriate pre-tax savings and are therefore already tax-effective.

    • Why is Payroll Giving important to charities?

      As well as providing charities with a regular income, it also means that charities don't have to claim Gift Aid which reduces the admin burden so they can get on with supporting their beneficiaries.

    • Which organisations can employees donate to through CAF Give As You Earn?

      Employees can donate to the UK charitable organisation of their choice. Both registered and unregistered charities are eligible for donations. Employees can also give to any organisation recognised by HMRC as charitable and these include:

      • Churches
      • Health authorities
      • Hospitals (not private)
      • Scout and Girl Guide groups
      • Universities and schools
      • Parent Teacher Associations
      • Community groups

      *The funds cannot be used to pay for products or services.

    Can’t find the answer to your question?

    Get in touch with our team, who will be happy to help you.

    Get in touch now 
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    CAF Give As You Earn

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    ALREADY A CLIENT? YOU MIGHT BE INTERESTED IN

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    MORE GIVING INSIGHTS

    The importance of Payroll Giving


    Payroll Giving empowers employees to support the causes that are the most important to them, providing charities with a long-term and regular income stream.

    The role of business in preserving civil society


    Our report explores how some companies across the world are going above and beyond their traditional role to protect civil society.

    The University of Manchester and payroll giving


    We sat down with Vanessa Cowan, Reward and Benefits Advisor at the university, to uncover why they have been able to raise so much money.