We help donors to give more impactfully and charities to build their resilience so they can do more of their life-changing work.
From one-off donations to long-term giving, or designing your personal philanthropic strategy, we work together to help you realise your giving ambitions.
DISCOVER OUR PERSONAL GIVING SOLUTIONS
You have the vision for making a difference. So do we. We help you plan how to give based on your goals.
DISCOVER OUR CORPORATE GIVING SOLUTIONS
Helping your charity or social enterprise become more resilient.
DISCOVER HOW WE SUPPORT CHARITIES
Discover the latest insights for donors and charitable organisations to help create a greater impact
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We are a leading charity, working at the centre of the giving world. We help donors to give more impactfully and charities to build their resilience so they can do more of their life-changing work.
Find out more about CAF
Ray Milne brings over 40 years of experience in financial services having held senior roles in Bank of Scotland and Lloyds Banking Group and more recently was Chief Risk Officer for Schroders Personal Wealth - a Joint Venture between Lloyds and
Schroders plc. Ray also serves as a Non-Executive Director for Stafford Building Society and Foresters Friendly Society and is a Trustee at Horton Housing Association in Bradford where he chairs the Group Audit and Risk Committee.
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Qualified Chartered Actuary, Past Council member and Past Vice President of the Chartered Insurance Institute, Ray is passionate about contributing to the communities served by the companies he works with which is why he is the Board Consumer Duty
Champion for Foresters and the Together With Tenants Champion for Horton Housing - ensuring that the tenants voice is heard at the Board.
Married with four grown up children Ray is a keen walker and hiker in the Yorkshire Pennines near
where he lives, a passion he often uses for fundraising.
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.
Strong governance does more than just protect your organisation. It enables your giving to be more focused, effective, and trusted. This blog explores the key risk areas in corporate giving and offers practical ways to manage them.
Disasters are not just about the hazard itself. Their impact depends on how prepared communities are, how vulnerable they are and what resources they have. These five shifts can help businesses move from reactive giving to a more strategic approach.
Discover how CAF’s UK Local Giving research is helping MPs understand generosity in their communities and shaping policy to strengthen local giving.
Why do we give? We discuss three key insights from the World Giving Report 2026 Donor Insights.
Thinking of donating shares before or after an IPO? Learn the UK and US tax rules, timing and structures for tax-efficient giving with CAF.
Learn why a 1% corporate giving commitment is considered best practice, how to address common concerns and secure leadership buy-in.
One YMCA enables people to develop their full potential in body, mind and spirit.
Investment risk is more than market volatility. Learn how charities can assess liquidity, time horizons and long-term objectives when making investment decisions.
Explore how charities can use investment stewardship and sustainability-focused investment decisions to support positive social outcomes while continuing to pursue their long-term financial objectives.
A CAF American Donor Fund (CADF) donor supported FOUR PAWS’ animal welfare work, with a £40,000 donation, to fund a new life for a former captive bear with severe health needs.
This year’s UK Giving Report brings together the latest research and insights on how people across the UK are giving today. While it highlights some real challenges, it also reveals the trends shaping public generosity.
Our research found that around two-thirds of all charitable giving is unplanned, prompted by conversations, appeals, or being moved by personal experience rather than by a pre-existing commitment. So, why not be the one to start that conversation?
Rather than spreading funding widely, many donors are focusing their philanthropy on particular places and communities they care about, supporting solutions that reflect local needs, strengths, and lived experience.
Two catastrophic earthquakes have hit Venezuela. Buildings were reduced to rubble in minutes. Now the survivors urgently need support.
Our new blog explores how where people live shapes generosity and what this means for funding approaches.
Learn why businesses should build a culture of giving and practical ways leaders can engage employees, build stakeholder trust and create a lasting impact.
Social value is no longer just a procurement requirement or something tied to the Social Value Act. It is becoming a broader way for businesses to understand, manage and demonstrate the social impact they create for people and communities.
Today’s social issues are complex and rarely solved by a single intervention or organisation. Against this backdrop, pooled funding is gaining renewed attention as a way for businesses to come together, share responsibility and drive impact at scale.
Learn about how a CAF Bank loan has supported Sussex Housing & Care's multiyear expansion project.
Responsible investment relies on ongoing monitoring, with potential breaches assessed through data, insight and active stewardship.