CAF Charity Deposit Platform
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The CAF Charity Deposit Platform gives you access to a range of over 100 savings accounts¹ from an extensive panel of banks through a single application. Provided by Flagstone, with introductions made by CAF Financial Solutions Limited (CFSL), the Platform is designed to help your cash work harder, now and in the future.
The CAF Charity Deposit Platform in numbers
Maximise your charity’s interest income by choosing competitive interest rates from over 100 savings accounts1.
Research, plan, and manage your cash deposits 24 hours a day, 365 days a year, with simple straightforward portfolio reporting, new rate notifications, and consolidations statements.
All by completing just one application form.
Number of accounts, banks, and building societies on the CAF Charity Deposit Platform as of January 2026.
All UK banks on the CAF Charity Deposit Platform are members of the Financial Services Compensation Scheme (FSCS). The scheme protects eligible deposits up to a total of £120,000 per banking group. Any deposits you hold above the limit are unlikely to be covered. Offshore banks are not eligible for FSCS coverage, or any other deposit protection, due to the jurisdiction and the trust structure in which the cash in your Flagstone account is held.
100+
24+
20+
1
Manage risk through diversification across over 20 banks and building societies, with FSCS protection on eligible deposits 1,2.
Become a Flagstone client – minimum deposit of £150,000 required.
1.
Complete a single application with Flagstone – no need to complete paperwork for each bank.
2.
Transfer your deposit amount to your holding account.
3.
Choose where to place your cash deposits from a selection of over 100 savings accounts.
4.
Control your deposits – quickly and easily – via the Flagstone platform. Move3, place or spread your deposits whenever you wish – 24 hours a day, 7 days a week4.
5.
Enjoy complete protection for your cash up to FSCS limits where eligible.
6.
How it works
Case Study
The charity had £510,000 on deposit with a single bank earning 3.60%
The trustees were keen to optimise the charity’s interest income but also reduce its risk exposure.
They’d been unhappy with the interest they were earning for some time, but suspected that securing better rates with other banks would be a long, drawn out process involving researching best-buy tables, form filling and administrative hassle. Every time more attractive rates became available through other accounts, the trustees may have to repeat this exercise.
Using the CAF Charity Deposit Platform filter enabled the charity to identify the accounts that met the charity’s liquidity needs. After checking that each short-listed institution met its requirements, the charity’s Finance Director quickly and efficiently diversified the charity’s deposits across six accounts with six different banks, all by completing just one application form.
The charity is now generating 1.3 times more income net of the share of the interest and its eligible cash deposits are fully FSCS protected.
1.3x more income and 100% FSCS protection
High street bank charity account
Flagstone
Account type
12 month charity savings account
Accounts across six different banks 6
Interest rate
3.60%
3.87% (blended rate) 7
FSCS protection
23.5% (£120,000)
100% (£510,000)
Annual interest
£18,360
£23,766
A charity with £510,000 excess cash5
Rates quoted are correct as of January 2026
‘Excess cash’ = Cash not required for running the business day to day.
This includes six 12 month Fixed
Flagstone rates shown have had our share of interest deducted.
This example is not advice. If you would like to receive advice on your savings and investments, please consider speaking to a financial adviser.
The CAF Charity Deposit Platform is provided by Flagstone Group Ltd (‘Flagstone’) and introductions are made by CAF Financial Solutions Limited (CFSL).
Flagstone Group LTD is registered as a limited company in England and Wales No. 08528880. Registered Office: 1st Floor, Clareville House, 26-27 Oxendon Street, London, SW1Y 4EL. Flagstone Group Ltd is authorised by the Financial Conduct Authority (Reference Number 605504) under the Payment Service Regulations 2017 for the provision of payment services.
CAF Financial Solutions Limited (CFSL) is authorised and regulated by the Financial Conduct Authority under registration number 189450. CFSL Registered office is 25 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4TA. Registered under number 2771873. CFSL is a subsidiary of Charities Aid Foundation (registered charity number 268369).
Telephone: 03000 123 444
Email: clientrelations@cafonline.org
Telephone calls may be monitored or recorded to comply with relevant legislation and for training purposes. Lines are open Monday to Friday 9am - 5pm (excluding English bank holidays).
This document has been created by Flagstone. All information is correct as of January 2026.
To discuss how the CAF Charity Deposit Platform could benefit your charity, speak to your CAF Relationship Director today.
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Payments and transfers are not instantaneous and can take up to two working days, depending on bank processing times.
Subject to the terms of the savings account.