Summary

Available to individuals aged 16 years or over, resident in the UK and only liable to pay tax in the UK
3.01% Gross/AER*
33-day notice period
Transfers in allowed (applications made online only)

Ethical 33-Day Notice Cash ISA (Gross/AER)* - Managed Rate

Notice period	Interest rate (minimum saving £250)
33 days	3.01%

*Gross is the interest rate without tax deducted.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

View our Historic Interest Rates for our Personal Savings accounts since January 2015.

Number of account holders	One.
Number of accounts	You can put money into one Cash ISA held with Charity Bank each tax year. Payments into multiple issues held with Charity Bank will not be permitted.
Payment of interest	Interest is paid gross without the deduction of income tax and doesn't count towards your Personal Savings Allowance.
Notice period	33 days.
Minimum initial deposit	£250.
Maximum deposit	The maximum deposit for this account is the 2024/25 ISA allowance of £20,000. You may transfer existing ISA balances from other providers into this account up to our published cap of £500,000. Applications to transfer existing ISAs can only be made when applying online.
Withdrawals	You can make unlimited withdrawals, but you must give 33 days' notice for each withdrawal. Your money can be returned to your nominated account, transferred to any other Personal Savings account you hold with us that accepts deposits or transferred to another ISA manager. Please be aware this is not a Flexible ISA.
Paying money in	Initial deposit(s) can be made by cheque or electronic transfer from your nominated account only or ISA transfer. From the day we confirm your account is open you have 14 calendar days to fund it with one or multiple deposits up to a maximum account balance of £500,000 or in excess of this limit if pre-approved by us. If your account is not funded to the minimum account balance of £250 within this period, it will be closed, and any funds returned to you, unless you have sent us a completed ISA transfer request, in which case we will allow time for your existing ISA provider to send us the funds in accordance with the terms of your account with them. If not fully funded to the 2024/25 tax year ISA allowance of £20,000, or the maximum account balance of £500,000 if transferring previous/current years’ funds, additional credits are permitted and can be made by cheque, electronic transfer, direct debit or standing order from your nominated account up to these limits.
ISA Transfers In	You can transfer previous and current years subscriptions to your Ethical 33-Day Notice Cash ISA. However, partial transfers of current year subscriptions are not supported. If transferring current years subscriptions to us they must be in full.
How we calculate interest	Interest is calculated daily and paid annually to your account on the last business day of December. There is no bonus interest payable.
What would the estimated balance be after 12 months based on a £1,000 deposit?	Based on an interest rate of 3.01% gross, the balance on a £1,000 deposit after 12 months would be £1,030.10. This illustrative example assumes no withdrawals, no changes to the managed interest rate over the period and interest is paid and compounded annually. (The illustrative example does not take into account the individual circumstances of a customer).
Can Charity Bank change the interest rate?	The interest rate is managed and may be altered in accordance with Section 9 'Changes to interest rates' of our Terms for Personal Savers.
Managing your account	All accounts are operated by post. We can answer any questions directly by email or over the phone.

Ready to start saving? Apply by Post APPLY ONLINE

Find out where your money goes

Access: Open an account with just £250 or transfer an existing ISA to us.
Flexibility: Add to your savings at any time to the 2024/25 tax year ISA allowance of £20,000, by electronic transfer, direct debit or why not set up a standing order.
Social impact: Your money will be used to support charities and social enterprises, whilst earning you a return.

Ready to start saving?

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Find out where your money goes

The Ethical 33-Day Notice Cash ISA is available to individuals 16 years or over and living in the UK.
There are no restrictions on the number of withdrawals you can request. Early withdrawals (sooner than 33 days' notice) are not allowed.
You can make unlimited deposits up to £20,000 (2024/25 tax year ISA allowance). Once you’ve paid in your full year’s Cash ISA allowance, you can’t replace any money you have withdrawn, i.e. this is not a Flexible ISA.
You may transfer existing ISAs from other ISA managers into this account. Please select 'APPLY ONLINE' if you would like to do this. You will need to print an Application Summary and Cash ISA Transfer Form at the end of the online process to sign and return to us. N.B.: If you already hold a current tax year Cash ISA with us, please contact us to discuss how to transfer in funds from another ISA manager.
Your eligible deposits with Charity Bank are currently protected up to the limit of £85,000 under the Financial Services Compensation Scheme.
If you change your mind within 14 days of opening your account, we will cancel your account without notice or penalty.
View our full Terms for Personal Savers click here.

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Find out where your money goes

Once your account is open and funded, we shall write to you confirming your account details and how to operate it.
You’ll receive annual bank statements with an ethical twist: see how your savings have grown and learn about some of the organisations your savings have supported.
When you need to access your money, give us 33 days' notice and send your request in writing to Fosse House, 182 High Street, Tonbridge, Kent TN9 1BE.
Call us directly to check your account details and rates or if you have any questions.
t: 01732 441944 e: savings@charitybank.org

Ready to start saving?

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Find out where your money goes

Protecting your money

Explore our other accounts

Not the right account for you? Or perhaps you'd like to open more than one account? Read about our other ethical savings accounts.

Community Investment Tax Relief Base Rate Tracker (Personal) Account

Available to individuals who are tax resident in the UK.
Make a positive difference to disadvantaged communities across the UK.
Interest tracks 3.25% below Bank of England base rate and is currently 2.00% Gross / 2.02% AER on 100% of the amount saved.
Additionally, there’s 5.00% tax relief p.a. on 75% of the amount saved.

Find out more

Ethical 33-Day Notice Account

Make your savings work for charities and social enterprises
2.97% / 3.00% - 3.12% / 3.16% Gross/AER*
Individuals who are permanently resident in the UK

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Ethical 93-Day Notice Account

Make your savings work for charities and social enterprises
3.00% / 3.03% - 3.15% / 3.19% Gross/AER*
Individuals who are permanently resident in the UK

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Ethical 1-Year Fixed Rate Account

Lock your money away and support the unsung heroes in our communities
4.51% Gross/AER*
Individuals who are permanently resident in the UK and only liable to pay tax in the UK

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Ethical 3-Year Fixed Rate Account

Lock your money away and support the unsung heroes in our communities
Up to 4.06% Gross/AER*
Individuals who are permanently resident in the UK and only liable to pay tax in the UK

Find out more

Ethical 33-Day Notice Cash ISA

An account that makes your savings work for good
3.01% Gross/AER*
Individuals who are permanently resident in the UK

Find out more

Community Investment Tax Relief Base Rate Tracker (Business/Credit Union) Account

Available to organisations liable to pay corporation tax in the UK.
Make a positive difference to disadvantaged communities across the UK.
Interest tracks 3.25% below Bank of England base rate and is currently 2.00% Gross / 2.02% AER on 100% of the amount saved.
Additionally, there’s 5.00% tax relief p.a. on 75% of the amount saved.

Find out more