The mission

Charity Bank was always going to be different. What drives us isn’t profits, but a shared idea about the world we want to live in. We were founded to support charities with loans that they couldn’t find elsewhere and to show people how their savings could be invested ethically and in ways that would make them happy.

Today, charities have never been more needed, but also more challenged. That’s why our promise – of supporting charitable activities and helping people to save and do good – is more important than ever.

We take the time to understand the organisations we lend to, we put peoples' money where their values are and together we work to create lasting social change in our communities.

We are an ethical bank for everyone who knows that banks can do better. We are the bank for people who believe that banking should always work for good.

Find out more in our 2023 Impact Report..

Where you fit into ethical banking


You’re looking for an ethical bank that will help you to put your money where your values are. You believe that banks can do better and you want your money to be a powerful force for good. You open an individual or business savings account with Charity Bank.


You’re a charity or social enterprise and you want to borrow from an ethical bank wholeheartedly committed to what you do. You’d like to work with a regional manager that you can rely on as a partner in doing good. You apply for a Charity Bank loan.


You’re passionate about using finance to support charities and social enterprises. You believe that banks have a vital role to play in creating a world we all want to live in; you want to live your values at work. You apply for a job with Charity Bank. View vacancies.


You’re a trust, charity or foundation looking to invest in a business that puts people and planet before profit. You’d like to see a modest return but a central purpose of your investment is to see your money do social good. You invest in Charity Bank.

The result – banking for good

You join a community of like-minded individuals all working towards one goal. Our charitable borrowers, ethical savers, social investors and dedicated staff are helping to make sure that charities and social enterprises can always be there for the people and communities that need them. Banking for good provides the tools for people not just dreaming of a better world, but busy building one.

Our Values Recognised

Meet our lending team

You’ll get to know our regional managers by name. They take the time to meet you and tailor our loans to suit your financial need and social aims.

Carolyn Sims

Director of Lending

Debbie Harmsworth

Head of Lending Services

Jala Daly

Lending Manager

Marti Delrosario

Social Impact Investment Manager

Sharon Gooch

Lending Services Manager

Stacey Goodrich

Lending Services Officer

Mark Herbert

Lending Manager

Denise Hignett

Senior Lending Manager

Jeremy Ince

Regional Manager

Wesley Lovett

Senior Lending Manager

John Murray

Senior Lending Manager South

Sue Potter

Lending Services Manager

Adam Ruffinato

National Lending Manager

Bernie Teggart

Lending Manager

Daniel Wilson-Dodd

Head of Small Social Lending

Ray Keatley

Lending Services Manager

Meet our savings team

95% of our savers would recommend us to a friend. Meet the people that are there to help you open an account and answer your questions.

Source: Charity Bank 2015 borrower survey.

Justin Halls

Head of Savings Operations

Claire Springett

Savings Product Manager

Andrea Collard

Savings Officer

Philippa Hilton

Savings Officer

Nick Murray

Savings Officer

Daryl Palfrey

Savings Administrator

Helen Shergold

Savings Administrator

Tersia Visser

Savings Administrator

Meet our management

Management is one of the areas we look into when we assess a loan application. Get to know the people who make up our management team.

Edward Siegel

Chief Executive

Natasha Breen

Director of Human Resources

Justin Hort

Director of Operations and Savings

Mark Howland

Director of Marketing and Communications

Caspar Mackay

Director of Credit

Thomas Ralph

Chief Risk Officer

Carolyn Sims

Director of Lending

Kirstie Smith

Finance Director

Meet our board members

Our non-executive directors give us their time, social sector knowledge and financial expertise for free. Meet our critical friends.

Alan Hodson


Paul Berry

Non-Executive Director

Jonathan Britton

Non-Executive Director

Mike Crabb

Non-Executive Director

Neil Heslop OBE

Non-Executive Director *

Caspar Mackay

Director of Credit

Rebecca McDonald

Non-Executive Director **

Caroline Price

Non-Executive Director

Ambreen Shah

Non-Executive Director

Edward Siegel

Chief Executive

Toby Walter

Non-Executive Director **

Yashmin Harun BEM

Non-Executive Director

Prashant Solanky

Non-Executive Director

Meet our shareholders

Every single one of our shareholders is either a charitable trust or foundation or a social purpose organisation. So what drives us isn't profits but a shared idea about the world we want to live in.