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Deposit funds and earn interest with a charity that shares your values

Make an enquiry
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Earn Interest

Make your reserves work for you, with outstanding return and monthly interest

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Withdraw funds quickly and efficiently at any time


Shared vision

We've been helping further Christian causes for over 100 years

Deposit Account

For Churches and Christian organisations

Make an enquiry

The Deposit Account is a free, instant access account for churches and Christian charities. It's a secure place to invest your funds and you'll still have the option to withdraw them at any time.

If you’re looking for an account to hold your funds, but with easy access then the Deposit Account is a great choice. Setting up your account is easy, and you’ll start earning interest on balances over £25,000.

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A charity that shares your values

Stewardship has been serving Christian charities and churches since 1906. We understand your values and love nothing more than partnering with those who share our heart for furthering God's kingdom.

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Put your reserves to work

If you have ring-fenced funds for a project or a pot for a rainy day then make sure it's earning interest. We'll put any amount over £25,000 to work for you at a competitive interest rate and will place interest directly into your account every month.

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Safe and secure

Your money is in good hands, giving you peace of mind. We are regulated by the Charity Commission and funds invested by Stewardship include investments such as our church and charity loans, fixed income investments, as well as money market deposits held across a wide variety of banking counter parties which Stewardship has determined are suitably secure.

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Instant Access

In times of uncertainty, flexibility is important. When you need access to your money, either planned or unplanned, you can withdraw funds of up to £50,000 at any time (we reserve the right to request 30 days notice for any amount exceeding £50,000).

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The Deposit Account is completely free of charge to open and use, with no admin fees or commission. You'll get the full potential of your funds, including interest, without paying a penny.

Frequently Asked Questions


Our deposit account service is available to churches and Christian charities, with a minimum opening balance of £10,000.


Once we've received your application, we'll aim to process and approve it within five working days of receipt.


Stewardship is a charity regulated by the Charity Commission and can offer charity to charity deposit accounts to Churches and Christian Charities only.

It's important to note that Stewardship isn't a bank. We are regulated by the Charity Commission rather than the Financial Conduct Authority (FCA) and the Prudential Regulated Authority (PRA). We are therefore NOT covered by the Financial Services Compensation Scheme (FCSC).

Stewardship takes a cautious and responsible approach to investments. We've existed since 1906 and maintain a strong balance sheet with net assets of over £100m, and have liquid deposits of £45m as of 30 September 2019. Our charity number is 234714 and you can look at our accounts on the charity commission website, or on our website.


Find all our latest rates below.


You can deposit money at any time, either by bank transfer or a cheque made payable to Stewardship. Please remember to quote your deposit account number which is provided to you when opening an account. This all helps to ensure your charity funds go to the right place.


We would recommend that requests for withdrawals and statements are made by email at [email protected] to ensure we are able to deal with all enquiries as efficiently as possible. We will require the deposit account number, and of course the amount to be withdrawn (a minimum of £10,000) – as you would expect for security purposes we will only action requests from a registered contact, and process to the nominated bank account.

We offer a flexible service, withdrawal requests of up to £50,000 (within a 30 day period) are available on instant access, but we reserve the right to require a 30 day notice period for any requests over and above this value. However, please note that we will process your request to withdraw funds as a BACS payment which will clear within three working days.


Yes - in the event that you wish to withdraw all funds from your deposit account, a closing amount of interest will be calculated and the balance in full returned to you by same day transfer. The £NIL balance account will then be closed and you will receive a closing statement for your records.


We don't currently offer online access to your account, but we are available 9am to 5pm each working day to deal with any queries you have. Statements are sent on a quarterly basis via email.

Current rates

Effective from 22 May 2020

Balance Interest Rate

Standard rate: £5,000 - £24,999


Higher rate: £25,000 - £199,999 

£200,000 +  Available upon request


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