Poverty relief · Reg 313080
The Bankers Benevolent Fund
Charity rating & review
64/100 Clarity Score · 3 stars · Charity Commission filings · How we score
Clarity score
Needs improvement
Quick answer
Is The Bankers Benevolent Fund a good charity?
The Bankers Benevolent Fund scores 64/100 (3 stars, Needs improvement) on CharityCompare's Clarity Score, calculated from its UK regulator filings. Its latest accounts year is 2025 (£2.5m total income, 88% of spending on charitable activities). This reflects financial transparency and stewardship on paper — not the real-world impact of its programmes. See the full breakdown.
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What does The Bankers Benevolent Fund do?
The Bankers Benevolent Fund is a registered charity (no. 313080) working in poverty relief across the United Kingdom. Its latest Charity Commission filing directs 88% of spending to charitable activities, holding roughly 64 months of reserves, and files its annual accounts on time. Reported income has been growing (≈8% a year). CharityCompare's Clarity Score rates the organisation only from public Charity Commission accounts — accountability, financial health, efficiency and community support — not the quality or impact of its programmes.
Summarised from public filings — The Bankers Benevolent Fund hasn't added its own description yet. Work here? Add it free →
In short: THE BANKERS BENEVOLENT FUND scores 64 out of 100 (3 stars). 88% average program spend (3-year average). Review the pillar breakdown below.
What is The Bankers Benevolent Fund?
The Bankers Benevolent Fund has a Clarity Score of 64 out of 100 on CharityCompare (3 stars, Needs improvement). Charity Commission registration number 313080. Status: Registered. Primary cause area: Poverty relief. Latest accounts year 2025: total income £2.5m, with 88% of expenditure on charitable activities. Accounts filing: up to date. Reserves: approximately 64 months of operating costs. 1 filing concern(s) noted on this profile. Scores are independent and based on official filings — not a donation recommendation.
Data from Charity Commission register, last updated .
Overall score
64/100
3★ · Needs improvement
Cause spend
88%
3-yr avg · charitable activities
Accountability
93/100
Finance beacon
Income
£2.5m
Latest year 2025
Reserves
64 mo
Months of running costs
Accounts filing
On time
Charity Commission
£3.1 raised per £1 fundraising (3-yr avg) · 14% overhead · Website on register · Confidence: high
How does THE BANKERS BENEVOLENT FUND compare?
Clarity Score percentile against similar UK charities — the share of peers THE BANKERS BENEVOLENT FUND scores higher than.
Scores higher than 15% of 2,776 charities in its income band · 64/100 vs 78 peer average (marker).
Scores higher than 16% of 1,502 charities in this cause · 64/100 vs 78 peer average (marker).
How reliable is The Bankers Benevolent Fund's data?
- Source
- Charity Commission (England & Wales)
- Accounts year
- 2025
- Filing date
- Profile reviewed
High confidence — complete filing data
Scores reflect the latest annual accounts on the register. Clarity Score measures how clearly the charity accounts for money in those filings — not programme impact.
Contains public sector information licensed under the Open Government Licence v3.0. Sources: Charity Commission for England and Wales, Office of the Scottish Charity Regulator and Charity Commission for Northern Ireland. Open Government Licence v3.0 .
What is The Bankers Benevolent Fund's Beacon report?
Detailed accountability and finance metrics from UK regulator filings — structured for transparency in our four-beacon report.
Accountability & Transparency
Baseline trust from filing discipline, board oversight, and declared governance policies.
93/100
| Metric | Score | Value |
|---|---|---|
| Filing history (5 years) 100% on-time over five years = 15 pts · one late filing = 5 pts · two or more = 0 pts. | 100% | 15/15 pts |
| Trustee oversight Three or more trustees on the register = 15 pts, scaled down for fewer (governance red flag below three). | 100% | 11 trustees · 15/15 pts |
| Declared policies Safeguarding (4) · conflict of interest (3) · volunteer management (3) — from Charity Commission annual return. | 70% | 7/10 pts |
Financial Health
Stability and solvency — reserves, revenue trend, and debt from Charity Commission accounts.
50/100
| Metric | Score | Value |
|---|---|---|
| Reserves (months of cash) 3–24 months = full marks, tapering on both sides · 0 months or 4+ years (hoarding) = 0 pts. | 0% | 64 months · 0/15 pts |
| Income stability / growth +20% or more over the window = 10 pts · flat = 5 pts · −20% or worse = 0 pts, scaled between. | 100% | 10/10 pts · 3-year average |
| Liabilities to assets 0% liabilities-to-assets = 5 pts, scaling down to 0 pts at 60%+ debt. | 100% | 1% · 5/5 pts |
Financial Efficiency
How efficiently funds reach the cause — program spend and fundraising cost ratios.
60/100
| Metric | Score | Value |
|---|---|---|
| Program expense ratio 90%+ on charitable activities = full marks, scaling down to 0 pts at 50% or below. | 90% | 88% · 9/10 pts (3-year average) |
| Fundraising efficiency ≤10p to raise £1 = full marks, scaling down to 0 pts at 40p or above (fundraising cost ÷ income). | 30% | 32p per £1 income · 3/10 pts (3-year average) |
Community Support
Grassroots backing from Charity Commission workforce data — volunteers vs paid staff.
0/100
| Metric | Score | Value |
|---|---|---|
| Volunteer-to-staff ratio Volunteers at 2x staff or more = full marks · no volunteers = 0 pts, scaled between. | 0% | Not reported · 0/10 pts |
What is The Bankers Benevolent Fund's Clarity Score?
64/100 total · Needs improvement · 3 of 5 stars
Four pillars (40 + 30 + 20 + 10 points) from Charity Commission filings — see methodology for full weightings.
Accountability & Transparency
Baseline trust from filing discipline, board oversight, and declared governance policies.
93/100
Financial Health
Stability and solvency — reserves, revenue trend, and debt from Charity Commission accounts.
50/100
Financial Efficiency
How efficiently funds reach the cause — program spend and fundraising cost ratios.
60/100
Community Support
Grassroots backing from Charity Commission workforce data — volunteers vs paid staff.
0/100
How much does The Bankers Benevolent Fund raise and spend?
Latest filed year 2025 · Source: Charity Commission filings
| Category | Amount | % of spend |
|---|---|---|
| Total income | £2.5m | — |
| Total expenditure | £5.5m | — |
| Charitable activities | £4.7m | 86% |
| Fundraising | £761k | 14% |
| Governance & admin | £165k | 3% |
Where does the money go?
Latest accounts (2025) · £5.5m spent
- Charitable activities86% · £4.7m
- Fundraising14% · £761k
- Governance3% · £165k
What trust indicators does The Bankers Benevolent Fund have?
Pulled from the Charity Commission register — filing behaviour, board size, and workforce where reported.
-
Accounts filed on time
up to date · last filing
-
Trustee board size (3–12)
11 trustees on the Charity Commission register
Fundraising Regulator
Status not yet checked
Separate from our financial scores — shows whether the charity follows the Code of Fundraising Practice.
Check Fundraising Regulator →Official register
Reg 313080
Full trustee list, accounts, and regulatory history on the Charity Commission.
View on Charity Commission →Trustees & officers
- Suzanne Hughes since 2017
- Duncan Allan Douglas Stewart since 2020
- Marco Evans since 2020
- Sharon Midwinter since 2023
- CHARLES FREDERICK COLDICOTT since 2024
- JASMINE EVE YEO since 2024
- NATHAN PAUL TOWNSEND since 2024
- RICHARD PETER WAIT since 2024
- SAMUEL CLIVE DE SILVA since 2024
- Michael Thornton Hemingway Chair · since 2025
- Nadia Samir Hijazi since 2025
How we score charities +
The Clarity Score is a 100-point rating from UK regulator filings (Charity Commission for England and Wales, OSCR and CCNI). Four pillars — Accountability & Transparency (40), Financial Health (30), Financial Efficiency (20), and Community Support (10) — each scored on a continuous scale, not pass/fail cutoffs. A statutory inquiry sets the score to 0 automatically.
Accountability & Transparency
Scored from filings
40 points — filing history (15), trustee oversight (15, scaling up to a board of three or more), declared policies (10).
Financial Health
Scored from filings
30 points — reserves (15, full marks 3–24 months, tapering on both sides), income stability (10), liabilities to assets (5, scaling down as debt rises).
Financial Efficiency
Scored from filings
20 points — program expense ratio and fundraising cost, each on a graduated scale (not a single cutoff). Kept at 20% of the total: financial-ratio scoring alone is not a reliable effectiveness signal (see "why not just an overhead ratio?" below).
Community Support
Scored from filings
10 points — volunteer-to-staff ratio from Charity Commission workforce data, scaling continuously up to a 2:1 ratio.
Overall score
Sum of all pillar points. Display stars use the same bands as the labels: 90–100 → 5★ Exceptional; 75–89 → 4★ Good; 60–74 → 3★ Needs improvement; 1–59 → 2★ Poor; 0 → not rated.
How have The Bankers Benevolent Fund's finances changed over five years?
- Income
- Spending
- Cause spend
Values in £ thousands · Cause spend plotted only when the filing discloses a split · Source: Charity Commission accounts
What are the key facts about The Bankers Benevolent Fund?
- Overall score
- 64/100 (3★)
- Income
- £2.5m
- Cause spend
- 88% of expenditure
- Reg number
- 313080
- Scope
- UK-wide
- Reserves
- 64 months
- Trustees
- 11
- Accounts year
- 2025
- Filing
- up to date
How does THE BANKERS BENEVOLENT FUND compare, and where else can you look?
Where THE BANKERS BENEVOLENT FUND sits
The causes this charity is classified under, and other charities working nearby.
Similar poverty relief charities
Top-rated peers by CharityCompare score
- AMOS TRUST 100/100 · £2.6m
- SUFRA - NW LONDON 100/100 · £1.7m
- WILDERNESS FOUNDATION UK 100/100 · £1.6m
- BIRMINGHAM CITY MISSION 100/100 · £1.4m
How can you share The Bankers Benevolent Fund's rating?
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How do you add The Bankers Benevolent Fund's rating to your site?
Free to use — a lightweight HTML badge or an embeddable score widget, each linking back to this independent profile and our methodology.
What red flags does The Bankers Benevolent Fund have?
Frequently asked questions
Common questions about The Bankers Benevolent Fund's rating, finances, and Charity Commission status.
Is The Bankers Benevolent Fund a good charity? +
The Bankers Benevolent Fund scores 64 out of 100 (3 stars — Needs improvement) on CharityCompare's Clarity Score, our independent read of its UK regulator filings. Around 88% of its spending goes to charitable activities and its accounts are up to date. That reflects how transparent and financially healthy it looks on paper — it does not measure the real-world impact of its work, so treat it as one factor alongside the cause you care about. CharityCompare never tells you where to donate.
Is The Bankers Benevolent Fund a legitimate charity? +
Yes — The Bankers Benevolent Fund is a legitimate registered charity (charity number 313080). Verify it on the official register: https://register-of-charities.charitycommission.gov.uk/en/charity-search/-/charity-details/313080. Registration proves status; Clarity Score then summarises filing transparency on paper, not programme impact.
What is The Bankers Benevolent Fund's charity number? +
The Bankers Benevolent Fund's charity number is 313080. Check that number on the official register (Charity Commission, OSCR or CCNI) or this CharityCompare profile before you donate — scammers sometimes reuse real numbers on fake appeals.
What is The Bankers Benevolent Fund's charity rating? +
The Bankers Benevolent Fund scores 64 out of 100 on CharityCompare (3 stars — Needs improvement). The Clarity Score V1 sums four pillars from UK regulator filings: Accountability & Transparency (40 pts), Financial Health (30), Financial Efficiency (20), and Community Support (10). Stars use the same bands as those labels — 90+ is 5★ Exceptional. It is not an impact ranking.
Does The Bankers Benevolent Fund have reviews and complaints? +
CharityCompare does not host public user reviews for The Bankers Benevolent Fund. Instead you get a filing-based Clarity Score, cause spend, reserves and red flags such as late accounts (1 filing concern(s) noted on this profile). For formal complaints about a charity, contact the Charity Commission, OSCR, CCNI or the Fundraising Regulator as appropriate.
How much of my donation reaches The Bankers Benevolent Fund? +
According to its 2025 regulator filing, 88% of The Bankers Benevolent Fund's total spending went to charitable activities (3-yr avg across disclosed years). That is the closest official figure to "how much of your donation reaches the cause" — it is an average across all spending in the filing, not a pound-by-pound breakdown of an individual gift.
What are The Bankers Benevolent Fund's overheads? +
According to its 2025 regulator filing, fundraising costs were about 12% of total expenditure and combined overheads (fundraising plus governance) were about 14% of total expenditure at The Bankers Benevolent Fund. The filings CharityCompare uses do not publish CEO or senior-staff pay, so we cannot say what The Bankers Benevolent Fund's chief executive is paid — where disclosure rules apply, senior pay appears in the trustees' annual report on the Charity Commission register.
How much income does The Bankers Benevolent Fund receive? +
The Bankers Benevolent Fund reported £2.5m total income in its 2025 accounts, based on UK regulator filings. Five-year trend: growing.
Are The Bankers Benevolent Fund's accounts up to date? +
Filing status: up to date (last filing 2026-06-24). CharityCompare flags late or missing accounts separately from the financial score.
Where is The Bankers Benevolent Fund based? +
The Bankers Benevolent Fund is listed at London · UK-wide · EC3A 6AP and operates UK-wide, focused on poverty relief.
How does CharityCompare score The Bankers Benevolent Fund? +
We calculate a Clarity Score of 0–100 from four pillars in The Bankers Benevolent Fund's regulator filings: Accountability & Transparency (40 points — filing history, trustees, policies), Financial Health (30 — reserves, income trend, debt), Financial Efficiency (20 — cause spend and fundraising cost, on a graduated scale) and Community Support (10 — volunteer-to-staff ratio). An open statutory inquiry scores 0. The score measures reporting on paper, not programme impact. CharityCompare is free for donors, takes no commission on donations, and scores cannot be bought.
How often is this page updated? +
This profile was last updated on 17 July 2026 from the latest UK regulator data available to CharityCompare, and The Bankers Benevolent Fund's most recent accounts cover 2025. Scores and figures refresh whenever we re-ingest the register, so the page reflects our latest data pull rather than a one-off review.