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We're making a change to one of our fees

By Daniel Jones | 12 February 2021 | Comments (6)

On 15th March 2021, we’ll be making a change to our Gift Aid fees.

For our standard giving account holders giving with Gift Aid, our fee is changing from 3% to 3.5%. We’ve written this post to provide you with all the information you need.


What is a Stewardship fee?

A Stewardship Giving Account is completely free to open and we do not apply any monthly service charges. We simply make a deduction (3.5% from 15 March 2021) based on the value of any gift you make into your account.

Just like the churches, charities and full-time Christian workers we support, we’re a not-for-profit too. This means you can use your Stewardship account in full confidence that we’re not profiting from your generosity. In the event that we do make a surplus, it is always reinvested back into supporting our charitable activities so that, together, we can make a real impact.


What is changing?

For all Gift Aided gifts, the fee will be increasing from 3% to 3.5%.

By way of example, the fee on a £10 gift into your Stewardship account will change from 38p to 44p, a difference of 6p.


What do you do for your fee?

We want to help churches, charities and individuals raise as much support as possible, whilst making it easy and convenient for givers to give. Our costs are always kept as low as possible and in the event that we do make a surplus, it is always reinvested back into supporting our charitable activities. Here are just some of the practical tools and support we offer in a bit more detail:

  • Secure processing of transactions, and bearing all bank/card transaction charges
  • Instant Gift Aid applied to charitable donations where applicable, meaning your chosen recipient can receive Gift Aid from us sooner than with any other provider
  • Providing givers with statements of their account and useful information for self-assessment tax returns
  • Offering free tools, training and resources to churches, charities and Christian workers, to help them better manage their financial support with confidence and integrity
  • Original campaigns, resources and content to help inspire people in their giving, such as our 40acts lent campaign, Rapid Response to Covid-19 and the Money Course


Why are you making these changes?

Following a careful review of our budgets for the next three years, we believe it is important to make this change to ensure our giving service can weather the storms of Covid-19, increases in transaction processing costs and regulatory and compliance costs. In addition, continuing low interest rates means it would not be wise to rely on income from investments to support these costs in a way they once did.

We believe these changes are necessary to ensure growth, improvement and sustainability of our service, to better work towards our mission and vision and to ensure that we continue providing you with an excellent service. We also have many exciting changes happening here at Stewardship. We’ll be launching some new services soon as well as continuing to make updates and improvements to what we currently offer.


Why are you increasing your Gift Aid fee from 3% to 3.5%?

When considering changes to our prices we sought to be fair and equitable. We’re standardising our fee deduction across Gift Aided giving, in order to better reflect the true cost to maintain our quality of service, investments in security and technology, and our high standards of due diligence.


What do I need to do next?

We’ve made recommendations in the communication we sent to you based on your giving arrangements. To make changes to your giving, you can do this quickly and easily online or, if you not able to do it in this way, please contact us for assistance.


How often will your fees change in future?

We review fees on an annual basis and, in some cases, make some minor adjustments in line with inflation or other contributing factors. It has been over a decade since we last changed the fee for gifts made with Gift Aid, so it is not a decision that we take lightly when we do!


Posted by Daniel Jones

Daniel is Stewardship’s Chief Generosity Officer and is passionate about finding new and innovative ways to encourage and inspire Christians in their giving, and helping those who receive to do so with excellence. Daniel advises denominations on stewardship and giving, and is a serial trustee of small community organisations. Follow Daniel on Twitter: @dmjonesoir


Diane Nash

February 18, 2021 9:11 AM
Pity the City do not reduce the compliance costs / fees rather than increase them due to COVID-19. Knowing they do not need the 6p per £10 but we, and those we support, really do need every penny at this time. Thank you for all you are doing to make it work.


February 17, 2021 9:08 PM
Thank you for explaining.
Thank you for all you do in Jesus' name.
Bless you

David Buxton

February 18, 2021 7:03 AM
I am not impressed with 16% increase, definitely very deep! Charities have to reduce their actual expenditure mainly because income dramatically dropped due to the Covid-19 pandemic affecting people not giving money whatever. Your business solely rely on regular donors, you cannot penalize us to pay more to cover your income losses without showing your actual expenditure reduction. Less donors, less income, less expenditure is a sensible business model whatever you like it or not. I already emailed to the couple to see if it is possible for their church to handle donations / gift aids work. Forgive me if I am very harsh but I don’t accept 16% increase.

Anthony Nelson

February 18, 2021 9:23 AM
On the basis of your suggested increase in charges (0.5%) and the volume of giving that you receive each year (£60m) this suggests that you'll be taking an additional £300k as charges.
Its a great deal in times when most people and businesses are struggling and the Christian needs for such donations are so desperate...

Stuart Allen

February 19, 2021 1:45 PM
I note that the Charities Aid Fund charge 4% on giving accounts which includes claiming the Gift Aid tax refund.
They also say "we add 25% to taxpayers donations" which isn't quite true it actually amounts to 21%.
I'm pleased to see your 3.5% charge remains competitive.


February 21, 2021 10:10 AM
It's not clear what we would need to change if we wanted the amount received by our recipients to stay the same. The easy route would be for me to respond to your email with "please automatically adjust the value of my incoming gift so the value of my donations to my recipients stay the same" ... but if everyone did that, then it would increase your admin work.

If you are able to post something on here that says, "for example, if you are currently topping up by £10 a month and giving £10 a month to a recipient, then in order for them to carry on receiving the same amount, you would need to increase or by X".

I just tried changing things manually myself. I don't know if I just need to increase the giving amount by 6p for every £10, or if that will mean that, due to the increase in the amount, 3.5% of 10.06 will now mean that the fees go up by another penny? So do I need to increase it by 7p? Also, I reasoned that I would need to increase my top-up amount AND my giving amount (so that the amount coming in and going out would be the same). So I increased my top-up amount by 10p. Then I increased my giving amount by 10p. But when I went back to the home page, I saw that my top-up amount had increased by 20p. Presumably, you had auto-increased it when I increased my giving amount. There was nothing to say that this is what would happen. So then I needed to update my top-up amount to reduce it by 10p back down to the amount I had originally set it at. This is all just confusing!

I would recommend usability testing your website (with actual customers) in future to avoid problems like this. Also, think about your communications, not in terms of "What do we want to tell people?" but "What do people need to achieve?" and "What do they need to know in order to achieve it?"


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