Charity bank accounts

[KnickerlessParsons]

Can anyone recommend a bank account suitable for very low income/expenditure charities please?

We want to join the 21st century and ditch the cheque book, but need an account that allows a dual mandate for all expenditure transactions, and logins using different names and passwords (so we can see who made a transaction).

Other charities must have similar requirements but we can't find a bank that offers what we want - presumably because the amount of money going through the account is so small.

(Note, we aren't actually a charity, we are an unincorporated association www.gov.uk/unincorporated-associations so to add to the problem, we don't have the same governance requirements as a charity, which adds to the problem.

Take a look at Unity Trust. We use it for work and unlike lots of other banks, they allow an authorised person to set up payments, with two other people to authorise them with their own logins.

Ooh! Fab! Many thanks for the quick response.

In our scouts group we currently use natwest bankline - set up with dual authorisation for payments. Think up to 4 people can be listed as able to authorise. Is a bit of a faff when someone moves on - have to have at least 2 people good to auth changes as well, at all times. So need to be careful when people move on from their roles that have enough still on the mandate until the new people are approved by the bank.

We hvae a bank account with lloyds. We are a scout group (so dont actually have our own chairty number) the account was set up a long time ago but when i became treasurer I got internet banking sorted with dual authourisation, seperate logins etc.

We set up with Barclays a year or so ago as hsbc were going to start charging for our charity account.

The biggest trouble we had was finding a bank accepting new customers for this sort of account, Barclays were the only one at the time.

We have online banking with dual authorisation. I think it's called a community bank account.

I am Treasurer of our local Citizens Advice and have the banks accounts set up to require 2 online signatories (out of 4 possibles, but only the CEO and I authorise regularly). We also have it set up so that the office manager can set the office payments and expense payments up.

We use Lloyds (we have income just under £1m, so I have no idea how much you would get charged).

That said we have been planning to move to CAF bank (because we want to run 2 current accounts).

Thinking about it, I think DD's swimclub uses Lloyds too.

We are with barclays.

Thank you everyone.
As a PP said, some/most of the big banks no longer accept these small accounts. We were with HSBC when I ram a brownie group, but they don't do them anymore.
And banks that do, require so much documentary evidence of this that and the other that we, as a non-incorporated/non charity don't have.

I'm trying to drag the committee into the 21st century (I think we should be a charity) but it's not an easy task!

Have you looked at coop? And caf bank? They both do dedicated charity accounts that would do what you describe.

I use Barclays at work for charity banking and would really rate their system

Thank you.