Etheco Directory
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Business Banking ›
UK's oldest and largest Islamic bank offering Shariah-compliant savings, current accounts, home purchase plans and business banking. Ethical Consumer score 26 for savings and current accounts.
People: Partnership with Educate A Child International supporting education for vulnerable children in Malawi via fixed-term deposit savings. UK's oldest and largest Islamic bank. (Al Rayan Bank)
Planet: Achieved operational carbon neutrality in 2024 and reduced paper use by over 50%. Published inaugural Sustainability Report documenting ESG progress. (Al Rayan Bank)
Pocket: Shariah-compliant savings, current accounts and Home Purchase Plans based on co-ownership (diminishing musharaka) and leasing (Ijara) principles. (Al Rayan Bank)
Performance: Trustpilot 3.6/5 from 1,197 reviews; customer praise for competitive savings rates and helpful staff. Established Islamic banking provider with full Shariah-compliant product range. (Trustpilot)
Products & services: Shariah-compliant current accounts, savings accounts, fixed-term deposits, home purchase plans (diminishing musharaka), buy-to-let home purchase plans, business banking, business savings accounts, charity accounts
Dutch digital bank with built-in CO2 tracking, tree planting with every purchase and green investment features. Offers personal and business accounts with multi-currency support. Netherlands-based.
People: CO2 tracking gives users agency; tree planting with transactions. (Bunq)
Planet: Trees planted per transaction; CO2 tracking; green card options. (Bunq)
Pocket: Digital banking with green features; competitive EU banking fees. (Bunq)
Performance: Growing European brand; limited UK-specific features; innovative app design. (Trustpilot)
Products & services: personal current accounts, joint accounts, business accounts, multi-currency accounts, green investment features, CO2 tracking, savings accounts, travel cards
Banking service from Charities Aid Foundation, providing current accounts and savings specifically for charities and not-for-profits. Ethical Consumer score 80 for business accounts. Strong company ethos score of 90.
People: Part of Charities Aid Foundation supporting 14,000+ charities; provides transactional banking exclusively to charities and social purpose enterprises. (CAF Bank)
Planet: Committed to net zero across UK operations by 2050; Green Loans aligned to Loan Market Association principles; excludes fossil fuel extraction, processing and traditional petrol/diesel manufacturing. (CAF Bank)
Pocket: CAF Cash Account (charity current account) at £5 monthly with 0.20% AER variable interest; no minimum balance required. Access to 90+ savings accounts via Charity Deposit Platform. (CAF Bank)
Performance: Commended in Best Charity Banking Provider category at 2025 Business Moneyfacts Awards. Specialist charity banking backed by Charities Aid Foundation. (Moneyfacts)
Products & services: charity current accounts (CAF Cash Account), charity savings accounts, Charity Deposit Platform, business banking, loans to charities and social enterprises, not-for-profit banking
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
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
Social purpose bank owned by The Salvation Army, providing personal and business banking with all profits supporting charitable work. Ethical Consumer score 78 for savings and business accounts. Strong company ethos score of 100.
People: Over 90% of new lending in 2024 directed to social impact sectors. First place in 2024 Charity Finance Banking Survey for Relationship Management. (Reliance Bank)
Planet: Charitable ownership means no profit motive driving environmentally harmful investments; lending focused on social impact sectors. (Reliance Bank)
Pocket: Business and Charity Current Account at £7.50 monthly fee; Charity Giving Savings Accounts donate a percentage of interest to The Salvation Army. (Reliance Bank)
Performance: Community Lender of the Year at NACFB Commercial Lending Awards 2024; donated £8m to The Salvation Army over 15 years. UK's first ethical bank since 1890. (NACFB / Reliance Bank)
Products & services: business current accounts, charity current accounts, not-for-profit current accounts, savings accounts, charity giving savings accounts, social housing lending
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 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
International money transfer and multi-currency account provider with transparent, low-cost exchange rates. B Corp certified with no hidden fees and real mid-market rates.
People: Mission-driven: making money transfers fair; B Corp certified; global team. (Wise)
Planet: Digital-first model; minimal physical footprint; efficient technology. (Wise)
Pocket: Transparent mid-market rates; no hidden markups; significantly cheaper than banks. (Wise)
Performance: Excellent Trustpilot score; fast transfers; occasional delays for verification. (Trustpilot)
Products & services: international money transfers, multi-currency accounts, personal accounts, business accounts, debit cards, business debit cards, mass payments, direct debits