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Money Advice Trust

Birmingham Charity No: 1099506 (Charity Commission) Sign up to see website
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73
Integrity Assessment
Strong transparency
73/100 · methodology

About Money Advice Trust

We help people across the UK tackle their debts and manage their money with confidence. The Trust?s main activities are providing free advice through National Debtline and Business Debtline; supporting advisers through Wiseradviser; and improving the UK?s money and debt environment through policy, research, innovation grants and awareness raising campaigns.

Founded
Headquarters
Birmingham
Foundation type
Charitable Company
Size
large

Verified certifications

Confirmed against the issuing authority - not self-reported.

Fundraising Regulator since 2026

Focus areas & reach

· What they work on and where

How it stacks up against peers

· vs. 8 similar environment in United Kingdom
Program spending This charity: 99%
Peer average: 89%
Integrity Assessment This charity: 73
Peer average: 86

Concerns

· None found
No red flags found
Screened for Charity Commission removal, Open investigations, Governance scandals, Related-party deals, Excessive exec comp.

Where every £1 goes

· FY2024 · Charity Commission (UK) (FY2024)
£0.99
Program£0.99
Fundraising£0.01
99% to programs beats the peer average (89%) and beats the Charity Navigator "highly efficient" threshold (75%).

GiveRadar Analysis

Original analysis from GiveRadar's dataset of comparable organizations

From what GiveRadar has verified so far, Money Advice Trust has a substantially complete profile, cross-referenced across 5 independent sources including the Charity Commission.

  • GiveRadar has cross-referenced this organization across 5 independent sources, led by the Charity Commission - among the most thoroughly sourced profiles in its cohort. See the sources
  • By reported annual revenue, it is larger than 98% of the 4,808 environment charities in the United Kingdom with financial records on GiveRadar. See the filings
  • GiveRadar's profile for Money Advice Trust draws on its financial disclosures and its registration, in line with the typical environment charities in the United Kingdom it tracks. View this cohort
GiveRadar has verified
  • government registration
  • financial records (5 filed years)
  • disclosed leadership
  • a website
Not yet verified by GiveRadar
  • a contact email (present for 87% of comparable organizations)
  • a donation page
  • third-party accreditation
  • an owner-submitted profile claim

Analysis based on GiveRadar's benchmark dataset of 2026-07-03. It describes what GiveRadar has verified, not a judgment of the organization itself.

Common questions

· Auto-generated from filings + methodology

Money Advice Trust is a registered environment nonprofit based in Birmingham, United Kingdom. It is registered with the Charity Commission for England and Wales. It was founded in 2003 and has been operating for 23 years. According to GiveRadar's records, it holds registration with the UK Fundraising Regulator, which means it has committed to the Code of Fundraising Practice and accountable fundraising standards. GiveRadar's Integrity Assessment for the organization is 73/100, which reflects how much public information is available, not whether the charity is legitimate. The organization reports £22M in annual revenue. 9 officers and directors are publicly disclosed. No red flags have been detected. The charity has 2 community reviews with an average rating of 1.5/5. On Trustpilot, it has a rating of 3.1/5 based on 2 reviews.

Money Advice Trust's registered charity number is 1099506. You can use it to look up the organization on the Charity Commission register.

Money Advice Trust has a GiveRadar Integrity Assessment of 73/100. This score combines five components: Registration (20 pts), Financial Transparency (30 pts), Governance (20 pts), Contact Availability (10 pts), and Data Recency (20 pts), with negative adjustments for any red flags. A score of 73 ('Strong transparency') reflects well-documented governance, recent financials, named leadership, and working contact details. The charity allocates 99% of expenses to programs, which contributes positively to its score. For comparison, the average integrity assessment for environment charities in United Kingdom is 86/100.

Money Advice Trust is located in Birmingham, United Kingdom. The organization was established in 2003 and has been active for 23 years.

Based on official tax filings, Money Advice Trust has £22M in annual revenue. It allocates 99% of expenses to programs and services. This is above the average of 89% for environment charities in United Kingdom. Its revenue is significantly above the peer average of £1M. Create a free GiveRadar account to view the complete financial breakdown with year-over-year trends.

Money Advice Trust is classified as an Environment organization, registered in United Kingdom. It operates as a Charitable Company. By size, it is categorized as a large organization. It has £22M in annual revenue. The organization has 9 disclosed officers and directors.

No red flags have been detected for Money Advice Trust. GiveRadar automatically screens charities for concerning patterns including high executive compensation, low program spending, and missing financial filings. Based on available official data, no issues have been identified.

According to GiveRadar's records, Money Advice Trust holds registration with the UK Fundraising Regulator, which means it has committed to the Code of Fundraising Practice and accountable fundraising standards. It is registered with the Charity Commission for England and Wales. It reports that 99% of expenses go to programs (the peer average is 89%). The organization has a moderate Trustpilot rating of 3.1/5. GiveRadar provides data for research and does not endorse any organization. A GiveRadar Integrity Assessment reflects how much public data is available, not whether an organization is safe to donate to, so it is always smart to do your own research before giving.

We help people across the UK tackle their debts and manage their money with confidence. The Trust?s main activities are providing free advice through National Debtline and Business Debtline; supporting advisers through Wiseradviser; and improving the UK?s money and debt environment through policy, research, innovation grants and awareness raising campaigns. Money Advice Trust is classified as an environment organization registered in United Kingdom. The organization was founded in 2003.

Among environment charities registered in United Kingdom: It allocates 99% of expenses to programs, above the peer average of 89%. Its annual revenue of £22M is well above the peer average of £1M.

Money Advice Trust is a charitable company limited by guarantee, the most common incorporated form for UK charities. It is registered with both Companies House and the Charity Commission, and must file annual accounts with both regulators. Directors (who are also charity trustees) have limited liability.

You can verify Money Advice Trust in several ways. First, search the Charity Commission Register at https://register-of-charities.charitycommission.gov.uk/ - every charity registered in England and Wales appears here with its registration number, trustees, governing document, and filed accounts. Because this is a charitable company, you can also check its filings on Companies House (https://find-and-update.company-information.service.gov.uk/). Second, check whether the charity's annual return and accounts are up to date - the Commission flags charities with overdue filings. Third, look for the Fundraising Regulator badge on the charity's website, which signals voluntary compliance with the Code of Fundraising Practice.

Contact Money Advice Trust directly for current donation methods. UK charities typically accept online card payments, direct debit, and bank transfer. Many also use platforms such as JustGiving or Charities Aid Foundation (CAF). If you are a UK taxpayer, make sure to tick the Gift Aid box: it lets the charity reclaim 25p from HMRC for every pound you give at no extra cost to you. Higher-rate taxpayers can claim back the difference between basic-rate and their marginal rate through Self Assessment. Payroll Giving (Give As You Earn) lets you donate pre-tax through your employer.

Yes, Money Advice Trust is registered with the Fundraising Regulator (FR), the independent regulator of charitable fundraising in England, Wales, and Northern Ireland. Registration means the charity has committed to following the Code of Fundraising Practice and the Fundraising Promise, which set standards for honest, respectful, and transparent fundraising. Donors can complain to the FR if they believe a charity has breached the Code.

Donations to Money Advice Trust are eligible for Gift Aid if you are a UK income-tax or capital-gains-tax payer. Gift Aid adds 25% to your donation at no cost to you (the charity reclaims basic-rate tax from HMRC). Higher-rate and additional-rate taxpayers can also claim back the difference through Self Assessment or by adjusting their PAYE tax code. Gifts of shares, property, or land to charity are free of Capital Gains Tax and can be deducted from your income for Income Tax purposes. Legacy gifts (in your will) reduce the value of your estate for Inheritance Tax and can lower the IHT rate from 40% to 36% if you leave at least 10% to charity.

Money Advice Trust is based in Birmingham. The Charity Commission for England and Wales (CCEW) is the primary regulator. Scotland has its own regulator (OSCR), and Northern Ireland has the Charity Commission for Northern Ireland (CCNI). A charity registered with the CCEW may operate across the whole of the UK or internationally.

Money Advice Trust was first registered in 2003, making it approximately 23 years old. UK charities must file an annual return with the Charity Commission to remain on the register. A long registration history generally indicates sustained operations and continuous regulatory compliance.

Annual revenue
£10M-£100M
99% to programs
Source: Charity Commission (UK) (FY2024) why this matters
Unlock exact figures

Filing history

5 years on file from Charity Commission (UK) (FY2024): revenue, expenses, program spending, assets, and liabilities by fiscal year.

Years on record: FY2024, FY2023, FY2022, FY2021, FY2020.
Financial details are free - with a GiveRadar account

See 5 years of revenue, expense breakdowns, and balance sheet.

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Taxes

Tax-deductibility for donors

UK donations qualify for Gift Aid. MONEY ADVICE TRUST is registered with the Charity Commission. Eligible UK taxpayers can boost their gift by 25% at no extra cost.

Always confirm tax treatment with the charity directly or your tax advisor before donating.

Leadership

From FY2024 filing

AD
Adam K•••
Trustee

Officers & trustees (9)

Source: Public filings

See full names, roles, and stories

9 officers and trustees on file - free with a GiveRadar account.

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Latest news

From global news sources

10 articles found

From news sources and the organization. Shown for transparency; news never affects the integrity score.

Activity timeline

Filings and press mentions, merged

Small businesses get helping hand with strengthened debt advice - GOV.UK
Jun 2026
www.gov.uk
The top 5 places to get free financial advice in the UK - Unbiased
Apr 2026
www.unbiased.co.uk
Form filed
£21.7M revenue
FY2024
Charity Commission (UK)
Money Advice Trust reach more people needing urgent debt help thanks to Experian - Experian plc
May 2024
www.experianplc.com
Form filed
£21.3M revenue
FY2023
Charity Commission (UK)
Stroud residents access new ‘Breathing Space’ scheme, as debt charity urges more to seek advice - Stroud Times
Nov 2023
stroudtimes.com
Hundreds of Solihull residents seek debt advice - The Solihull Observer
Nov 2023
solihullobserver.co.uk
Warning over debt advice which seems ‘to good to be true’ - The Money Pages
Jul 2023
www.themoneypages.com
Charities warn of harmful misleading debt advice adverts - Credit Connect
Jul 2023
www.credit-connect.co.uk
Money Advice Trust publishes outcomes report - Credit Connect
Jul 2023
www.credit-connect.co.uk
Money Advice Trust Chief Executive to step down later this year - Credit Connect
Jun 2023
www.credit-connect.co.uk
Form filed
£16.0M revenue
FY2022
Charity Commission (UK)
Four in 10 wait a year to seek debt advice - Your Money Awards
Nov 2022
www.yourmoney.com
Form filed
£16.3M revenue
FY2021
Charity Commission (UK)
Form filed
£14.8M revenue
FY2020
Charity Commission (UK)

Donor reviews (2)

1.5 / 5 average · includes imported Trustpilot

1.5
2 reviews
Scam and refused to remove my number…

Scam and refused to remove my number ... do not use this company!!!! Beware of a company with no reviews !!!! FYI if someone working for Money Advice Trust looks at this I was called @ 21/1/25 my numbers ends in 681 and if the call handler dealt with it better I would not be writing this review

Mr Jonathan Scudder Donor · Mar 26, 2026 Trustpilot Trustpilot
★★ So I have been receiving multiple calls…

So I have been receiving multiple calls from this company sometimes twice a day.......I found them rude and they just put the phone down.....I'd imagine this is a foreign call centre as I had a Indian sounding guy who's name was John?

David Hutchings Donor · Mar 26, 2026 Trustpilot Trustpilot

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Cause areas in United Kingdom

How many charities work in each area, with this charity's area highlighted.

Education 87,646
Health 28,382
Religion 22,146
Arts & Culture 21,802
Community Development 10,738
Environment this charity 5,683
Social Services 4,899
Youth Development 4,637
See all cause areas in United Kingdom

Most common causes in United Kingdom

Causes charities work on most.

Education 54,780
Arts & Culture 17,729
Disability 17,106
Religion 16,671
Health 15,045
Poverty 14,062
Community Development 11,486
Cultural Heritage 8,526

Sources and verification

Registration and legal identity
Charity Commission for England and Wales - Register of Charities
Financial filings
Charity Commission annual returns - Fiscal year 2024 most recent on file.
Officers and trustees
Charity Commission for England and Wales - Register of Charities - 9 disclosed in the public registry.
News and media coverage
GDELT Project + Google News
Donor reviews (external)
Trustpilot consumer reviews
Community reviews (verified email)
GiveRadar Community Reviews - 2 verified review(s) on file.
Supplementary verification
Wikidata structured data

Data freshness

Last updated
Jun 17, 2026
Registry checked
Jun 17, 2026
Profile completeness
85%

What we know and don't know

Exactly which public data we hold on this charity. Our score reflects transparency, not impact.

On record · 8
  • Financial data · FY2024 on record
  • Named leadership · 9 officers on file
  • Government registration · Registered with an official registry
  • Official website · On record
  • Headquarters address · On file
  • Direct contact · Email or phone published
  • Tax-deductibility · Verified
  • Founding date · 2003
Not available · 3
  • Executive pay
    Top-officer pay not disclosed
  • Mission statement
    No self-published statement of purpose
  • Programs & activities
    No named programs listed by the charity

Methodology

GiveRadar builds each profile primarily from official government charity registries, supplemented where available by third-party nonprofit databases and news archives, and combines it into a single 0-100 integrity assessment. The exact sources for this charity are listed above. We don't take a cut of any donation, ever.

Read full methodology

Are you the owner or a board member?

If you represent this organization and want to correct or update its data, you can claim this listing to edit details yourself, or email [email protected] with the correct information. We review every request and respond within 30 days.

Quick facts about Money Advice Trust

What is Money Advice Trust?
Money Advice Trust is a environment charitable company based in Birmingham, United Kingdom. We help people across the UK tackle their debts and manage their money with confidence. The Trust?s main activities are providing free advice through National Debtline and Business Debtline; supporting advisers through Wiseradviser; and improving the UK?s money and debt environment through policy, research, innovation grants and awareness raising campaigns.
When was Money Advice Trust founded?
Money Advice Trust was founded in 2003.
Where is Money Advice Trust located?
Headquartered in Birmingham, United Kingdom.
What is Money Advice Trust's annual budget?
Annual revenue for fiscal year 2024 is approximately £10M-£100M. 99% of expenses go to program services.
Is Money Advice Trust trustworthy?
Money Advice Trust has a GiveRadar Integrity Assessment of 73 out of 100 (Strong transparency). The score reflects public-data transparency: registration, financial disclosure, governance, contact details, and how recently data was refreshed. It does not measure program impact.
What is Money Advice Trust's website?
https://www.moneyadvicetrust.org
Are donations to Money Advice Trust tax-deductible?
Donations may be tax-deductible for residents of United Kingdom under local rules. US donors should check whether the charity has an equivalency-determination letter or a US-based fiscal sponsor before claiming a deduction.