Is StepChange Debt Charity a legitimate charity?

The register data used for this profile lists StepChange Debt Charity as a registered charity (number SC046263) with the Office of the Scottish Charity Regulator (OSCR). Check the current register entry. A real charity number does not verify a fundraiser or appeal, and registration is not an impact rating.

What is StepChange Debt Charity's charity number?

StepChange Debt Charity's charity number is SC046263. Check that number on the OSCR register or this CharityCompare profile before you donate.

How do I check charity number SC046263?

Search SC046263 on the Office of the Scottish Charity Regulator (OSCR) register or on CharityCompare. Confirm the registered name matches the organisation asking for money — scammers sometimes reuse real charity numbers.

Does StepChange Debt Charity have reviews and complaints?

CharityCompare does not host public user reviews for StepChange Debt Charity. This basic profile confirms registration and register facts. Rated charities also show a filing-based Clarity Score. For formal complaints, contact the Office of the Scottish Charity Regulator (OSCR) or the Fundraising Regulator as appropriate.

How can I donate to StepChange Debt Charity?

StepChange Debt Charity's website listed in our register data is http://www.stepchange.org. Verify it against the current register before donating. CharityCompare does not process donations or take a commission; the charity's payment provider may charge fees.

When was StepChange Debt Charity registered as a charity?

StepChange Debt Charity was entered on the register on 15 January 2016.

Registered charity · No. SC046263Company (the charity is registered with Companies House)

StepChange Debt Charity

Independent profile · Office of the Scottish Charity Regulator (OSCR) data

StepChange Debt Charity is a registered charity in Scotland. Its register classifications include the prevention or relief of poverty, the advancement of education.

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At a glance · official register

What are the key facts about StepChange Debt Charity?

Reported income · year ending 2025-12-31: £64,519,000
Reported spending · year ending 2025-12-31: £61,850,000
Registered charity number: SC046263
Status in source extract: Registered
Charity type: Company (the charity is registered with Companies House)
Register contact address detail (not service area): Outwith Scotland
Website: www.stepchange.org

Quick answer

StepChange Debt Charity (number SC046263) is listed as registered in the OSCR snapshot used here. Check the live register for its current position. Registration does not authenticate a particular fundraising appeal or establish the impact of a donation.

What does StepChange Debt Charity do?

3. The objects for which the Charity is established are:- 3.1 the prevention or relief of poverty amongst persons who are in debt (particularly in the United Kingdom) by:- (a) the provision of advice to assist such persons to re-schedule and refinance their borrowings. (b) the provision of financial education to enable such persons to manage their finances more effectively. (c) the establishment and support of counselling services to which such persons may resort for advice on debt matters generally. (d) the establishment of an insolvency practice to which such persons may resort as an altern…

Activities reported on the official register · extract 2026-10-04.

From the annual return

Pay, income, Gift Aid and registration details for StepChange Debt Charity

Answers StepChange Debt Charity gave in its annual return to the OSCR for the year ending 31 December 2025, plus its register entry. A blank answer in the return is shown as not reported, never as “no”.

Registration details

Registered as a charity: 15 January 2016
Also known as: Foundation for Credit Counselling
Where it says it operates: Outwith Scotland

What causes is StepChange Debt Charity registered for?

the prevention or relief of povertythe advancement of education

Why is there no Clarity Score for StepChange Debt Charity yet?

Our dataset does not yet contain the detailed filing history needed to score StepChange Debt Charity. An unrated profile is a gap in our assessment, not a negative judgement about the charity. The register facts and available annual-return disclosures above remain useful. Payment never influences a rating. How scoring works

What should you check before donating to StepChange Debt Charity?

Match the registered name and number to the appeal. A real charity number can be copied by someone impersonating the organisation.
Open the current register entry to check status, contact details and available accounts. This profile reflects a dated extract.
Read the charity’s annual report for its work and results. An unrated profile means we lack a full assessment; it is not a negative rating.

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Is this your charity?

Claim this profile free to submit your description and an optional logo for review, correct details, or respond publicly. Approved claims show attribution and claimed status. Optional paid plans add enhanced media, reporting and labelled featured visibility by tier; they never change a score.

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Frequently asked questions

Is StepChange Debt Charity a legitimate charity?: The register data used for this profile lists StepChange Debt Charity as a registered charity (number SC046263) with the Office of the Scottish Charity Regulator (OSCR). Check the current register entry. A real charity number does not verify a fundraiser or appeal, and registration is not an impact rating.
What is StepChange Debt Charity's charity number?: StepChange Debt Charity's charity number is SC046263. Check that number on the OSCR register or this CharityCompare profile before you donate.
How do I check charity number SC046263?: Search SC046263 on the Office of the Scottish Charity Regulator (OSCR) register or on CharityCompare. Confirm the registered name matches the organisation asking for money — scammers sometimes reuse real charity numbers.
What does StepChange Debt Charity do?: 3. The objects for which the Charity is established are:- 3.1 the prevention or relief of poverty amongst persons who are in debt (particularly in the United Kingdom) by:- (a) the provision of advice to assist such persons to re-schedule and refinance their borrowings. (b) the provision of financial education to enable such persons to manage their finances more effectively. (c) the establishment and support of counselling services to which such persons may resort for advice on debt matters generally. (d) the establishment of an insolvency practice to which such persons may resort as an altern…
Does StepChange Debt Charity have reviews and complaints?: CharityCompare does not host public user reviews for StepChange Debt Charity. This basic profile confirms registration and register facts. Rated charities also show a filing-based Clarity Score. For formal complaints, contact the Office of the Scottish Charity Regulator (OSCR) or the Fundraising Regulator as appropriate.
How can I donate to StepChange Debt Charity?: StepChange Debt Charity's website listed in our register data is http://www.stepchange.org. Verify it against the current register before donating. CharityCompare does not process donations or take a commission; the charity's payment provider may charge fees.
When was StepChange Debt Charity registered as a charity?: StepChange Debt Charity was entered on the register on 15 January 2016.

Source: Office of the Scottish Charity Regulator (OSCR) register extract dated 2026-10-04, used under the Open Government Licence v3.0. Always verify current details on the official register entry.