Etheco Directory
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Personal Loans ›
UK's only bank exclusively dedicated to lending to charities, social enterprises and community organisations. Every saver's deposit directly funds social impact loans. Good Shopping Guide score 100 (highest possible). Ethical Consumer score 96 for business banking.
People: B Corp recertified in 2024 with increased score of 134.4; first bank in Europe to achieve B Corp in 2015 and only bank certified as a social enterprise. (B Corp)
Planet: Ethical Consumer top rating for carbon management and reporting; excludes all fossil fuel financing. Record £70m in loans disbursed to 104 charities and social enterprises in 2024. (Ethical Consumer / Charity Bank)
Pocket: Deposits grew 13% to £387.2m in 2024; net profit of £4.9m demonstrating financial stability. Specialist savings provider — every deposit directly funds charitable lending. (Charity Bank)
Performance: Topped Good Shopping Guide ethical bank rankings for 15 years running with perfect score of 100/100. Won Best Ethical Provider 2024. (Good Shopping Guide)
Products & services: savings accounts, cash ISAs, social impact loans, charitable lending, community development finance, charity and social enterprise lending
Regional building society serving North West England and South West Scotland with savings, mortgages and current accounts. Strong community roots. Ethical Consumer score 72 for current and business accounts.
People: Committed £500,000 over two years to combat food poverty; 'Kinder Kind of Kitchen' partnership provided £250,000 to 52 charitable groups and donated fridges/freezers to 66 groups. (Cumberland Building Society)
Planet: First building society in the North to achieve B Corp certification. No overseas stock market investments — all investment kept local. Sustainability embedded through Kinder Banking philosophy. (Cumberland Building Society / B Corp)
Pocket: Fixed rate savings at 4.75% (two-year) and 4.25% (one-year); Instant Access at 3.40–3.60% AER. Full FSCS protection up to £120,000. (Cumberland Building Society)
Performance: Feefo Platinum Trusted Service Award for 5th consecutive year with 90%+ five-star reviews (2,110 verified reviews). Best Companies three-star accreditation. (Feefo / Best Companies)
Products & services: current accounts, savings accounts (fixed rate, instant access), cash ISAs, mortgages (residential, buy-to-let), personal loans, business accounts, business savings, business loans
Not-for-profit financial co-operative providing savings, loans and current accounts to London communities. Trustpilot score 96. Credit unions are community-owned and run for members' benefit.
People: Member-owned financial co-operative (established 1982) serving Westminster, Southwark, Lambeth and Camden. Provides inclusive financial services regardless of income or credit background. (London Mutual Credit Union)
Planet: Entirely or almost entirely divested from fossil fuels (less than 1% of financing); over 80% of energy financing directed toward low-carbon technologies including renewables. (Bank.Green)
Pocket: Competitive loan rates often beating high street banks and credit cards; short-term loans from as little as £100 with fair rates and affordable repayments. Not-for-profit model. (London Mutual Credit Union)
Performance: Trustpilot 4.8/5 Excellent from 2,801 reviews. Praised for low interest rates, great customer support and quick loan approval. Community-owned ethical alternative. (Trustpilot)
Products & services: savings accounts, current accounts, personal loans, junior savings, budgeting accounts, payroll deduction savings
UK high-street bank founded in 2010, offering current accounts, savings, mortgages and business banking with extended opening hours including weekends. Good Shopping Guide score 55. Ethical Consumer score 34 for current accounts. Which? score 77.
People: Donated over £1.5m to local charities and community projects in 2023; partnered with approximately 500 local organisations to promote financial literacy. (Metro Bank)
Planet: Using Partnership for Carbon Accounting Financials methodology to calculate mortgage portfolio emissions. Progress on net zero pledges with reductions in paper usage and travel emissions. (Metro Bank)
Pocket: No monthly account fees for personal current accounts. Over 80 branches with extended opening hours 7 days a week including weekends and evenings. (Metro Bank)
Performance: Smart Money People 4.88/5 from 10,570 reviews. 'Large Loans Mortgage Lender of the Year' 2023 and 2024. Which? score 77. Good Shopping Guide score 55. (Smart Money People / Which? / Good Shopping Guide)
Products & services: personal current accounts, savings accounts, cash ISAs, mortgages (residential, buy-to-let), personal loans, credit cards, business current accounts, business savings, business loans, commercial mortgages, safe deposit boxes
Leading UK digital-only bank offering current accounts, savings pots, loans and business banking via app. Committed to net zero by 2030 with no fossil fuel lending. Ethical Consumer score 54 for current/savings. Which? score 85. Trustpilot score 92.
People: Gender pay gap reduced from 8.1% to 6.3% between 2023 and 2024, with women now comprising over 40% of the executive team. Over 10 million UK customers. (Monzo)
Planet: Committed to net zero by 2030; issued 7.7 million recycled PVC cards with solvent-free ink in FY2025 (93% of total cards). No direct lending to fossil fuel companies. (Monzo)
Pocket: Free current account with Monzo Max at £17/month and Perks at £7/month for premium features. Fee-free spending abroad with smart budgeting tools built into the app. (Monzo)
Performance: 4.6/5 Trustpilot from 54,000+ reviews; crowned 'Best British Bank' and #1 for Overall Service Quality in the CMA independent survey. Which? score 85. (Trustpilot / CMA / Which?)
Products & services: personal current accounts, joint accounts, savings pots, cash ISAs, personal loans, overdrafts, business current accounts, business savings, Monzo Flex (buy now pay later), premium accounts (Monzo Plus, Monzo Premium), travel money
UK's largest building society offering current accounts, savings, mortgages and insurance. Mutual ownership means profits benefit members not shareholders. Good Shopping Guide score 85. Ethical Consumer score 70 for current accounts. Which? score 84.
People: Nationwide Foundation supports over 540 charities with 118,500 beneficiaries through strategic partnerships including community-led housing and housing system transformation. (Nationwide Foundation)
Planet: Committed to 42% reduction in absolute Scope 1 emissions by 2030; 100% renewable electricity sourcing by 2030. Member of Net-Zero Banking Alliance and Glasgow Financial Alliance for Net Zero. (Nationwide)
Pocket: FlexDirect current account offers 5% AER fixed for first 12 months on balances up to £1,500, plus 1% monthly cashback (up to £5/month) for 12 months. (Nationwide)
Performance: Ranked first for customer satisfaction in peer group for 11th consecutive year (2013–2024); 87% customer satisfaction in FY2022–23. Which? score 84. (Which? / Nationwide)
Products & services: current accounts (FlexDirect, FlexAccount, FlexPlus), savings accounts (instant access, regular saver, fixed-rate bonds), cash ISAs, stocks & shares ISAs, mortgages (residential, buy-to-let, remortgage, shared ownership, green mortgages), personal loans (car loans, home improvement loans), credit cards, overdrafts, home insurance, life insurance, travel insurance, income protection insurance, breakdown cover, investment products, financial planning services
Wales's largest building society offering savings and mortgages. Strong Welsh community presence. Ethical Consumer score 68 for savings.
People: Raised £245,000 in 2024 for Tŷ Hafan and Hope House children's hospices (£752,000 three-year total). £1.5m+ through Future Generations Fund since 2022; 50,000+ young people in financial education workshops. (Principality Building Society)
Planet: Net Zero Scope 1 and 2 by 2030 (halving Scope 3 by same year), full net zero across all scopes by 2040. Purchased 414 tonnes CO2 offsets; switched to renewable electricity and green gas. (Principality Building Society)
Pocket: Easy Access Regular Saver at 4.75% variable; Fixed Term Bonds at 7.36–7.50% AER; 1-Year Fixed Rate Cash ISA at 3.70%. Competitive Welsh market rates. (Principality Building Society)
Performance: Ethical Consumer score 68 for savings. Wales's largest building society with strong regional identity. Record growth delivered in 2024. Trustpilot 3.1/5. (Ethical Consumer / Trustpilot)
Products & services: savings accounts (easy access, cash ISA, fixed term bonds, regular saver), mortgages (residential, buy-to-let, shared ownership, remortgage), personal loans
Award-winning UK digital bank offering personal and business current accounts, savings and lending via app. Founded by banking veteran Anne Boden. Which? score 86. Ethical Consumer score 46 for current/business accounts.
People: Founded by Anne Boden, Chair of Women-Led High-Growth Enterprise Taskforce; author of 'Female Founders' Playbook' (2024) championing diversity in finance. (Starling Bank)
Planet: Committed to one-third reduction in carbon emissions from operations and supply chain by 2030. 2024 total carbon emissions of approx 237,000 kg CO2e. Prohibits loans to fossil fuel industry. (Starling Bank)
Pocket: Free personal current account with no monthly fees; international transfers using real Mastercard exchange rates with no markup. Business accounts from £2/month. (Starling Bank)
Performance: Won 'Best Banking App' and 'Best Children's Financial Provider' at British Bank Awards 2024. Which? Recommended Provider — highest Which? score (86) among all banks surveyed. (British Bank Awards / Which?)
Products & services: personal current accounts, joint accounts, euro accounts, business current accounts, business savings, personal loans, overdrafts, savings spaces, child accounts
UK's first green digital bank offering savings accounts and green lending products. 24% of lending directed to green home improvements. Ethical Consumer score 76 for savings.
People: Won 'Best Customer Service' at MoneyFacts Awards 2025; Gold accreditation from Investor in Customers recognising service quality. (MoneyFacts / Investor in Customers)
Planet: Delivered £572m in green and 'pathway to green' lending in 2024, enabling 94,000+ customers to cut an estimated 70,000 tonnes of CO2. Green lending now 38% of total lending. (Tandem Bank)
Pocket: Green lending products for home improvements and vehicle financing. Competitive savings rates via app. 40% rise in underlying profit to £24.1m in 2024 demonstrates financial strength. (Tandem Bank)
Performance: Trustpilot 4.4/5 from 4,200+ reviews. 'App-only Savings Provider of the Year' at MoneyFacts Awards 2025. UK's self-styled first green digital bank. (Trustpilot / MoneyFacts)
Products & services: savings accounts (easy access, fixed saver), cash ISAs, green home improvement loans, green vehicle financing, cashback credit card
UK bank with a customer-led ethical policy since 1992 covering current accounts, savings, mortgages, credit cards and business banking. Good Shopping Guide score 93. Ethical Consumer score 74 for current accounts. Which? score 75. Trustpilot score 92.
People: Rejected 7 businesses in 2024 due to Ethical Policy conflicts including 3 human rights cases. Screens out arms dealing, oppressive regimes and exploitative labour. (The Co-operative Bank)
Planet: Unwavering commitment since 1998 to not banking fossil fuel extraction businesses. First reported emissions across Scope 1, 2 and 3 in 2024 as a step toward Net Zero. (The Co-operative Bank)
Pocket: Full-service banking including free current accounts, mortgages, savings and credit cards. Customer-led ethical policy since 1992 governs all lending decisions. (The Co-operative Bank)
Performance: Rated UK's best high street bank in ESG by Morningstar Sustainalytics for 5th consecutive year (risk rating 11.2, Jan 2025). Good Shopping Guide score 93. Trustpilot 92. (Sustainalytics / Good Shopping Guide / Trustpilot)
Products & services: current accounts (Standard, Everyday Extra, Privilege, Privilege Premier), savings accounts (regular saver, easy access, fixed-rate bonds), cash ISAs, mortgages (residential, buy-to-let, remortgage, green additional borrowing), personal loans (car loans, home improvement loans), credit cards, overdrafts, business current accounts, SME banking, business loans, insurance (home, life, travel), financial planning
UK's leading ethical bank offering current accounts, savings and business banking. Only lends to organisations making a positive social, environmental or cultural impact. Ethical Consumer Best Buy (score 96/100 savings & current accounts). Good Shopping Guide score 98. B Corp certified.
People: B Corp certified since 2015 with score of 131.3 — significantly above the 80-point qualification threshold; only finances charities, social enterprises and community projects. (B Corp)
Planet: 100/100 Ethical Consumer climate score; targets 42% reduction in absolute financed emissions by 2030 and aims to finance 275 energy-transition projects by 2030. Zero fossil fuel lending. (Ethical Consumer / Triodos Bank)
Pocket: Monthly current account fee of £3 with free UK Faster Payments and direct debits; £2.5 billion in total impact lending delivered over 30 years. (Triodos Bank)
Performance: Best Ethical Financial Provider for third consecutive year at British Bank Awards 2024; recipient of the King's Award for Sustainable Development 2025. (British Bank Awards / King's Awards)
Products & services: personal current accounts, savings accounts (instant access, fixed-term, children's saver), cash ISAs, stocks & shares ISAs, innovative finance ISAs, impact investment funds, crowdfunding platform, business current accounts, business savings, charity accounts, business loans (secured lending), overdrafts
Specialist bank for trade unions, charities, social enterprises and not-for-profit organisations. Provides business banking, loans and deposit accounts focused on social impact. Ethical Consumer score 84 for business banking.
People: Accredited Living Wage Employer; Fair Tax Mark holder; Gold Standard Investors in People certification 2024. Record £1bn in social impact lending with 50.5% to areas of high deprivation. (Unity Trust Bank)
Planet: Doubled lending commitment to £50m through Retrofit Transition Initiative, supporting 931 homes in decarbonisation; net zero target set for 2045; excludes high-carbon industries. (Unity Trust Bank)
Pocket: T1 Business Current Account at £6 monthly (charged quarterly) for businesses under £100k turnover; Business Instant Access savings at 2.52% AER variable. (Unity Trust Bank)
Performance: King's Award for Enterprise in Sustainable Development 2024; Retrofit Transition Initiative won 'Funding Team of the Year' at Unlock Net Zero Awards 2025. (King's Awards / Unlock Net Zero)
Products & services: business current accounts, charity current accounts, social enterprise accounts, savings accounts (business instant access, business fixed-rate), loans (business, charity, social enterprise), overdrafts
Full-service UK bank offering current accounts, savings, mortgages, credit cards and insurance. Now part of Nationwide Group (subject to regulatory approval). Good Shopping Guide score 85. Ethical Consumer score 48 for current accounts. Which? score 71.
People: Parent company Nationwide achieved 83.8% customer experience score (exceeding 83.6% target) for period ending March 2025. Good Shopping Guide 'Good' ratings across social categories. (Nationwide / Good Shopping Guide)
Planet: Now included in Nationwide's ESG reporting from October 2024 forward. Nationwide membership brings Net-Zero Banking Alliance and GFANZ commitments. (Nationwide)
Pocket: Full-service bank offering current accounts, savings, mortgages, credit cards and insurance. Now part of Nationwide Group since October 2024 — ethical position expected to strengthen post-merger. (Virgin Money)
Performance: 80% recommendation rate in Finder's 2025 customer satisfaction survey. Good Shopping Guide score 85. Which? score 71. Trustpilot 3.3/5 from 11,100+ reviews. (Finder / Good Shopping Guide / Which? / Trustpilot)
Products & services: current accounts (M Account, M Plus Account), savings accounts (easy access, fixed-rate bonds, regular saver), cash ISAs, stocks & shares ISAs, mortgages (residential, buy-to-let, remortgage), personal loans, credit cards, travel insurance, home insurance, life insurance, business current accounts, business savings, business loans, pensions
One of the UK's largest building societies offering savings, mortgages and current accounts. Mutual ownership with strong community focus. Ethical Consumer score 80 for savings. Good Shopping Guide score 80. Trustpilot score 94.
People: Surpassed £10m in total charitable donations; delivered 548 financial and career education sessions in 2024. Partnership with Citizens Advice supported 8,100 people since 2021. (Yorkshire Building Society)
Planet: Committed to Net Zero Scope 1 and 2 emissions by 2030 (brought forward from 2035); Scope 3 by 2050. Signatory to UN Principles for Responsible Banking. Fourth annual ESG report published. (Yorkshire Building Society)
Pocket: Average savings rate of 3.66% in 2025, 0.62 percentage points above market; no variable rate savings below 2.35% AER. Provided £313m extra interest to savers versus market average. (Yorkshire Building Society)
Performance: Trustpilot 4.7/5 Excellent rating; opened 480,000 savings accounts in 2025 reflecting strong member trust and satisfaction. (Trustpilot / Yorkshire Building Society)
Products & services: savings accounts (easy access, regular saver, fixed-rate bonds), cash ISAs, current accounts, mortgages (residential, buy-to-let, remortgage, shared ownership), personal loans