Merchant Machine

Shawbrook Bank VS Charity Bank: Business Banking Review & Fee Comparison


By: Ian Wright | Last Updated: May 22, 2025

Is Shawbrook Bank or Charity Bank better for your small business?



Compare UK Business Bank Accounts

Powered By BusinessBankAccounts.co.uk



Below we look at both Shawbrook Bank and Charity Bank reviews on Trustpilot along with their App reviews from Apple and Google.

We then look at typical fees, business savings rates, foreign currency options and a whole bunch of other account features to help you make up your mind.

Shawbrook Bank Homepage
Shawbrook Bank Homepage


Charity Bank Homepage
Charity Bank Homepage
 

Shawbrook Bank vs Charity Bank Trustpilot Reviews

Shawbrook BankCharity Bank
Trustpilot Review Score (out of 5)4.73.3
Percent 5-Star Reviews85%33%
Percent 1- Star Reviews7%34%
Total Number of Reviews10,7473
Sources:
https://www.trustpilot.com/review/www.shawbrook.co.uk
https://www.trustpilot.com/review/charitybank.org

Shawbrook Bank vs Charity Bank App Reviews

Shawbrook BankCharity Bank
iPhone Review Score (out of 5)No RatingNo Rating
Number of iPhone ReviewsNo ReviewsNo Reviews
Android Review Score (out of 5)No RatingNo Rating
Number of Android ReviewsNo ReviewsNo Reviews
Sources:
https://www.apple.com/uk/app-store/
https://www.apple.com/uk/app-store/

Shawbrook Bank vs Charity Bank Account Fees & Charges

Shawbrook BankCharity Bank
Free Business Bank AccountNoNo
Free Business Account Term LengthNANA
Cheapest Monthly Account FeeFreeFree
Most Expensive Monthly Account Fee£12Free
Electronic Payment Cost (in/out)FreeNo
Cash Payments Cost (in/out)FreeFree
Cheques (in/out)FreeFree
CHAPS Payments Cost£35£10
SEPA Payments CostNo20p

Shawbrook Bank vs Charity Bank Business Savings Rates

Shawbrook BankCharity Bank
Types of Business Savings AccountsEasy Access, Fixed Rate, Notice AccountsCITR accounts, Easy Access, Notice Accounts, Fixed Account
Lowest Savings Rate (AER)3.66%2.02%
Maximum Savings Rate (AER)5.03%4.51%
Minimum Savings Amount£1,000£1,000
Interest Paid On Foreign CurrenciesNoNo
 

Shawbrook Bank vs Charity Bank Account Opening Times

Shawbrook BankCharity Bank
Can You Apply Online?YesYes
How Long Does Opening An
Account Typically Take?
5 Working daysUndisclosed
Do They Check Your Credit?YesYes
Current Account Switch ServiceNoYes

Shawbrook Bank vs Charity Bank Features & Account Types

Shawbrook Bank Account Types
Shawbrook Bank Features & Account Types


Charity Bank Account Types
Charity Bank Features & Account Types


Shawbrook BankCharity Bank
Business Current AccountNoYes
Business Savings AccountYesYes
Business Credit CardYesNo
Business OverdraftYesNo
Accounts For StartupsYesYes
Accounts For CharitiesYesYes
Accounts For Sole TradersYesYes
Joint Business Accounts AvailableYesYes
Card TypeNoneMastercard
Online BankingYesYes
Mobile BankingNoNo
In Person/Branch BankingNoNo
Branch LocationsLimited locations accross the UKTonbridge

Shawbrook Bank vs Charity Bank Customer Support Options

Shawbrook BankCharity Bank
Phone Support AvailableYesYes
Email Support AvailableYesYes
App Based Support NoNo
Web Based SupportYesYes
In person Customer SupportNoNo

Shawbrook Bank vs Charity Bank Foreign Currency Accounts

Shawbrook BankCharity Bank
US Dollar (USD) Bank AccountsNoNo
Euro (EUR) Bank AccountsNoNo
Other Currencies Available:NoNo

Other Business Services From Shawbrook Bank and Charity Bank

Shawbrook Bank Account Types
Other Shawbrook Bank Services


Charity Bank Account Types
Other Charity Bank Services


Shawbrook BankCharity Bank
Business LoansYesYes
Commercial MortgagesYesYes
Invoice FinancingYesNo
International PaymentsYesYes
Merchant Payment ServicesYesNo
Card MachinesNoNo
Free Accounting SoftwareNoNo

Shawbrook Bank vs Charity Bank Banking Basics

Shawbrook BankCharity Bank
Bank TypeChallengerChallenger
FSCS ProtectionYes, up to £85,000Yes, up to £85,000
FCA Number204574207701
WebsiteShawbrook Bank WebsiteCharity Bank Website

Common Comparison Questions

Does Shawbrook Bank or Charity Bank have better customer reviews?

Shawbrook Bank scores 4.7 out of 5 based 10,747 Trustpilot reviews. Of these reviews 85% are 5-star and 7% are 1-star.

Whereas, Charity Bank scores 3.3 out of 5 based 3 Trustpilot reviews. Of which 33% are 5-star and 34% are 1-star.

Does Shawbrook Bank or Charity Bank have a better App?

Shawbrook Bank’s iPhone App is rated No Rating out of 5 based on No Reviews reviews. And it’s Android App is rated No Rating out of 5 based on No Reviews reviews.

In comparison, Charity Bank’s iPhone App is rated No Rating out of 5 based on No Reviews reviews. And it’s Android App is rated No Rating out of 5 based on No Reviews reviews.

Does Shawbrook Bank or Charity Bank have better business savings rates?

Shawbrook Bank offers the following types of business savings accounts: Easy Access, Fixed Rate, Notice Accounts with interest rates ranging from 3.66% to 5.03%. (AER)

In contrast, Charity Bank offers CITR accounts, Easy Access, Notice Accounts, Fixed Account accounts with interest rates ranging from 2.02% to 4.51% (AER).

See Other Comparisons:
Shawbrook Bank vs Cumberland Building Society
Shawbrook Bank vs Redwood Bank
Shawbrook Bank vs Amaiz
Shawbrook Bank vs ICICI Bank UK
Shawbrook Bank vs Intergiro


For other business bank accounts see our guide here.

 



Please note: Merchant Machine is an information and comparison website only.
We do not provide merchant services nor can we recommend which solution is right for you and your business.
Blog · About · Privacy Policy · Terms of Use · Contact Us
Copyright © 2025 Brilliant British Ltd trading as Merchant Machine

Registered Office Address:
3rd Floor Great Titchfield House, 14-18 Great Titchfield Street, London, United Kingdom, W1W 8BD
Company number 10490224