For charities, clubs, societies, and non-profit organisations.
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\n","stickyPageSection":"Looking for answers?"},"pageOptions":{"hideBreadcrumbs":false},"featuredImage":null,"seo":{"metaRobotsNofollow":"follow","metaRobotsNoindex":"noindex","opengraphAuthor":"","opengraphDescription":"Access your money when you need it by simply choosing the notice period that works best for your charity.","opengraphImage":null,"metaDesc":"Access your money when you need it by simply choosing the notice period that works best for your charity.","canonical":"","opengraphTitle":"Easy Access & Notice Charity Savings Accounts | Hampshire Trust Bank (HTB)","twitterDescription":"","twitterTitle":"","twitterImage":null,"title":"Easy Access & Notice Charity Savings Accounts | Hampshire Trust Bank (HTB)","opengraphUrl":"https://htb-stack-admin.dusted.digital/business/savings/charity-savings/notice-easy-access-charity-accounts/","opengraphSiteName":"HTB","opengraphModifiedTime":"2026-01-26T09:25:02+00:00"},"dynamicContent":{"layouts":[{"fieldGroupName":"page_Dynamiccontent_Layouts_HeroBanner","bannerGroup":[{"fieldGroupName":"banner_group","banner":{"id":"c2l0ZS1iYW5uZXI6MTM5Mjc=","bannerDetails":{"bannerAuthorName":null,"bannerAuthorPosition":null,"bannerLinkText":null,"bannerUrl":null,"bannerSubTitle":"Charity savings","fieldGroupName":"bannerDetails","statFigure":null,"statSymbolAfter":null,"statSymbolBefore":null,"videoBannerUpload":null},"content":null,"featuredImage":{"altText":"","title":"Charity_easy_access_banner","imageFile":{"publicURL":"/static/3ac83d546b8fe3cc77586937f8fce609/Charity_easy_access_banner.png"},"sourceUrl":"/htbcontent/uploads/2025/06/Charity_easy_access_banner.png","mediaDetails":{"file":"2025/06/Charity_easy_access_banner.png"}},"title":"Speedy access with a little boost"}}]},{"fieldGroupName":"page_Dynamiccontent_Layouts_PageIntro","pageColumnsColumn1":{"pageIntroLeftButtonLabel":null,"pageIntroLeftButtonLink":null,"pageIntroLeftIntro":"For charities, clubs, societies, and non-profit organisations","pageIntroLeftText":"Simple to open and manage online – with award-winning UK-based support – our wide range of award-winning variable rate savings accounts gives your money the flexibility to meet your needs, and those who rely on you.
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\n
\n
\n
Can HTB change the interest rate?
\nWhat would the estimated balance be after 12 months based on certain deposits?
\nHow do I open and manage the account?
\nCan I withdraw money?
\nAdditional information
\n\n","rightForYouGroup":{"notTheRightChoiceForYou":"
Can HTB change the interest rate?
\nWhat would the estimated balance be after 12 months based on a £1,000 deposit?
\nHow do I open and manage the account?
\nCan I withdraw money?
\nAdditional information
\n\n
\n","rightForYouGroup":{"notTheRightChoiceForYou":"
How does the easy access online tracker work?
\n\n
Can HTB change the interest rate?
\n\n
What would the estimated balance be after 12 months based on a £20,000 deposit?
\n\n
How do I open and manage the account?
\n\n
Can I withdraw money?
\n\n
Additional information
\nHow does the 95 day notice SME tracker work?
\n\n
Can HTB change the interest rate?
\n\n
What would the estimated balance be after 12 months based on certain deposits?
\n\n
How do I open and manage the account?
\n\n
Can I withdraw money?
\n\n
Additional information
\n\n","rightForYouGroup":{"notTheRightChoiceForYou":"
Easy access variable rate charity savings accounts offer competitive interest rates, with the flexibility to top-up and withdraw funds at any time with ease.
\nNotice variable rate charity savings accounts also offer competitive returns but require you to give notice before withdrawing funds.
\nThese accounts are ideal if you need quicker access to your cash to manage day-to-day expenses and unexpected costs.
\nIt’s important to check the Summary Box for your account to understand any specific restrictions your account may have.
\nPrefer to lock your funds away over a set period? A fixed rate account might be right for your needs.
\n","pageTitle":"What is an easy access and notice charity savings account? "},{"fieldGroupName":"page_Dynamiccontent_Layouts_FullFaqs","fullFaq":[{"id":"ZmFxLWNhdGVnb3J5LXRhZ3M6MjIx","name":"Charity Savings: General information","faqs":{"nodes":[{"title":"General information about our charity savings accounts","childFaqs":{"nodes":[{"title":"What is a charity savings account?","content":"A charity savings account is designed specifically for charities and community-focused groups such as clubs, societies, community groups, churches and other non-profit organisations to save money whilst earning interest.
\nOur range of charity savings accounts, includes easy access (sometimes known as instant access), notice and fixed term (sometimes known as bond) savings accounts. Each offers a different level of flexibility, interest rate and access.
\n"},{"title":"Are there any fees or charges on a charity savings account?","content":"No – we don’t apply fees or charges on our standard charity savings accounts.
\nSome more specialist accounts, such as a limited access account, may incur charges which will be detailed in the account’s Summary Box.
\n"},{"title":"Is our money protected under the Financial Services Compensation Scheme (FSCS)?","content":"Eligible deposits for charities are protected by the Financial Services Compensation Scheme (FSCS).
\nIf you’re unsure if your organisation is protected, you can read more information on our FSCS page.
\n"},{"title":"Is there a limit to the amount we can invest into a charity savings account?","content":"Our charity savings accounts have a minimum balance of between £5,000 and £20,000 – the specific amount will be made clear when you open the account and in the Summary Box.
\nYou may invest up to £750,000 in a single account and up to £1,000,000 in total with us. Some accounts may allow higher balances, and this will be detailed in the Summary Box.
\n"},{"title":"Do I pay tax on interest earned from a charity savings account?","content":"In most cases, it’s unlikely a registered charity would need to pay tax on interest earned, provided the funds are used for charitable purposes. Charities may be eligible to reclaim tax deducted on interest earned, subject to applicable regulations.
\nWe’ll upload a statement with the interest earned for the previous tax year to our online portal, which you can include in your tax filing. Get in touch if you need this another way.
\nThe way your savings are taxed depends on your personal circumstances. We don’t provide tax advice and tax rules may change in the future.
\n"},{"title":"How do I open a charity savings account?","content":"It’s quick and easy and can be completed entirely online in around 10 minutes.
\nOnce this is complete, as part of our ongoing compliance procedures, we will conduct a review.
\nTo help us complete the review, we may ask for some of the following:
\nOur savings accounts are designed for UK-based organisations with under 250 employees:
\nYou can manage your account and message us when logged into our online portal.
\nIf you’ve always managed your account with us in a different way for a specific reason, for example by post, you can keep doing this.
\n"}]}}]}}]},{"fieldGroupName":"page_Dynamiccontent_Layouts_InformationAccordionRepeater","informationAccordionTitle":null,"informationAccordion":[{"informationText":"We try to make everything as clear as possible, but sometimes it just isn’t. That’s why we’ve listed some of our most commonly asked questions with answers.
\n","informationSubHeading":"Frequently asked questions","informationLink":"/business/faqs-business/","fieldGroupName":"information_accordion"},{"informationText":"AER means Annual Equivalent Rate, which illustrates what the interest would be if it was compounded annually. We quote the AER on all of our accounts so that you can compare our products with other banks.
\nGross is the interest rate without the deduction of income tax. This is the interest paid on your account.
\nVariable means that the rate could change across the time that your money is in your account, with given notice.
\nNotice is the designated number of days that you are requested to give notice before you can access the money in your account.
\nFixed rate means the rate won’t change during the term.
\nWhen you save with HTB you have the added peace of mind that comes from knowing your money is protected up to a total of £120,000 by the Financial Services Compensation Scheme, the UKs deposit guarantee scheme.
\nAny deposits you hold above the FSCS compensation limit are unlikely to be covered, unless under specific circumstances, as determined by the FSCS.
\n","informationSubHeading":"How deposits are protected by the FSCS","informationLink":"/financial-services-compensation-scheme/","fieldGroupName":"information_accordion"},{"informationText":"View all of our historical rates.
\n","informationSubHeading":"Our historical rates","informationLink":"/business/savings/historical-business-rates/","fieldGroupName":"information_accordion"},{"informationText":"You can download and read our full terms and conditions here.
\n","informationSubHeading":"Terms and conditions","informationLink":"https://www.htb.co.uk/go/savings/business/terms","fieldGroupName":"information_accordion"}]},{"fieldGroupName":"page_Dynamiccontent_Layouts_AwardCats","awardCatTitle":null,"awardCat":[{"id":"YXdhcmRfY2F0ZWdvcnk6MTQz","name":"BUSINESS CHARITY Variable Rate Accounts","awards":{"nodes":[{"id":"YXdhcmQ6MTMzMTg=","title":"MoneyComms Top Performers 2025: Best Easy Access Business Savings Provider","date":"2025-03-19T13:28:24","menuOrder":15,"featuredImage":{"imageFile":{"publicURL":"/static/191b4de6f8c0a5d6796eb0d0d9ce8afc/Money-Comms-Best-Easy-Access-Business-Savings-Provider-2025-1.png"},"sourceUrl":"/htbcontent/uploads/2025/03/Money-Comms-Best-Easy-Access-Business-Savings-Provider-2025-1.png","mediaDetails":{"file":"2025/03/Money-Comms-Best-Easy-Access-Business-Savings-Provider-2025-1.png"}}},{"id":"YXdhcmQ6MTUyMjk=","title":"Moneynet – Best Easy Access Business & SME Savings 2026","date":"2026-01-07T09:21:30","menuOrder":18,"featuredImage":{"imageFile":{"publicURL":"/static/d489fb561c51ae32b1a17883e9ac3151/Best-Easy-Access-Business-SME-Savings-06.01.2026.png"},"sourceUrl":"/htbcontent/uploads/2026/01/Best-Easy-Access-Business-SME-Savings-06.01.2026.png","mediaDetails":{"file":"2026/01/Best-Easy-Access-Business-SME-Savings-06.01.2026.png"}}},{"id":"YXdhcmQ6MTUxOTY=","title":"Moneynet Awards winner 2026 – Business & SME Savings Provider of the Year","date":"2026-01-06T10:44:34","menuOrder":19,"featuredImage":{"imageFile":{"publicURL":"/static/b6a269e7617ceaa68a25674737a3f2ce/Business-SME-Savings-Provider-of-the-Year_21012026.png"},"sourceUrl":"/htbcontent/uploads/2026/01/Business-SME-Savings-Provider-of-the-Year_21012026.png","mediaDetails":{"file":"2026/01/Business-SME-Savings-Provider-of-the-Year_21012026.png"}}},{"id":"YXdhcmQ6MTQwNjA=","title":"SME 500 – Best Banking Firm of the Year 2025","date":"2025-07-02T09:17:36","menuOrder":22,"featuredImage":{"imageFile":{"publicURL":"/static/30e7168f8344823197925856436f9f8b/Best-Banking-Firm-of-the-Year.png"},"sourceUrl":"/htbcontent/uploads/2025/07/Best-Banking-Firm-of-the-Year.png","mediaDetails":{"file":"2025/07/Best-Banking-Firm-of-the-Year.png"}}},{"id":"YXdhcmQ6MTI2NTY=","title":"Feefo Platinum 5 Years (2025)","date":"2025-02-04T17:27:09","menuOrder":23,"featuredImage":{"imageFile":{"publicURL":"/static/f39d5000a7a05afa24a8235af9666c27/feefo-Platinum-Trusted-Service-Awards-5-Years-Running-2025.jpg"},"sourceUrl":"/htbcontent/uploads/2025/02/feefo-Platinum-Trusted-Service-Awards-5-Years-Running-2025.jpg","mediaDetails":{"file":"2025/02/feefo-Platinum-Trusted-Service-Awards-5-Years-Running-2025.jpg"}}},{"id":"YXdhcmQ6MTIzMzI=","title":"Moneynet Business & SME Savings Provider of the Year 2025","date":"2025-01-08T15:48:55","menuOrder":25,"featuredImage":{"imageFile":{"publicURL":"/static/116a71821e77f10fb5b550cc4f2086c1/Moneynet-Business-and-SME-Savings-Provider-of-the-Year-Winner-2025.jpg"},"sourceUrl":"/htbcontent/uploads/2025/01/Moneynet-Business-and-SME-Savings-Provider-of-the-Year-Winner-2025.jpg","mediaDetails":{"file":"2025/01/Moneynet-Business-and-SME-Savings-Provider-of-the-Year-Winner-2025.jpg"}}},{"id":"YXdhcmQ6MTA1ODU=","title":"Feefo Review – June 2024","date":"2024-06-28T14:57:13","menuOrder":28,"featuredImage":{"imageFile":{"publicURL":"/static/85475f1dfb3a4a0c14fb78bf2cfb7193/feefo-Service-Rating-2024.jpg"},"sourceUrl":"/htbcontent/uploads/2024/06/feefo-Service-Rating-2024.jpg","mediaDetails":{"file":"2024/06/feefo-Service-Rating-2024.jpg"}}},{"id":"YXdhcmQ6MTA1ODg=","title":"Trustpilot Review – June 2024","date":"2024-06-28T15:00:48","menuOrder":29,"featuredImage":{"imageFile":{"publicURL":"/static/b7b46790f977003c72ab339368e59f25/Trustpilot-Service-Rating-2024.jpg"},"sourceUrl":"/htbcontent/uploads/2024/06/Trustpilot-Service-Rating-2024.jpg","mediaDetails":{"file":"2024/06/Trustpilot-Service-Rating-2024.jpg"}}}]}}]},{"fieldGroupName":"page_Dynamiccontent_Layouts_PagePromo","promoHeading":"Looking for more certainty?","pagePromoGroup":[{"promoPage":{"id":"cGFnZTozMDE2","title":"Charity fixed rate savings accounts","slug":"fixed-rate-charity-savings-accounts","uri":"business/savings/charity-savings/fixed-rate-charity-savings-accounts","dynamicContent":{"layouts":[{},{},{},{},{},{},{},{},{},{"cardCtaForListings":"Learn more & apply","cardTextForListings":"Earn a guaranteed rate for a fixed period of time with our fixed rate charity savings accounts.
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