The Epworth Cash Plus Fund offers
charities a distinctive investment solution for their liquid assets.

The Fund enables charities to have same day access* to their cash deposits whilst aiming to provide a competitive rate of interest. Interest is calculated daily and paid monthly.

By pooling investor deposits, the Fund invests across various banking counterparties through current and term deposits, certificates of deposits and floating rate notes. To deliver highly competitive interest rates with instant access, Epworth takes strategic and investment decisions based upon the outlook for sterling interest rates and the suitability of potential counter-parties.

Opening an account in the Cash Plus Fund is straight forward and Epworth’s team aim to undertake all necessary checks under the investor and anti-money laundering regimes within seven working days. With one application form, depositors can open multiple sub accounts enabling charities to identify and manage separate pools of liquidity to meet their operational and organisational requirements. An on-line portal gives charity trustees visibility on daily balances.

The Fund is a Common Deposit Fund and is a charity in its own right, enjoying the same tax status as other charities. Whilst the Fund is overseen by the Charities Commission, Epworth, as the Fund’s Manager is subject to the rules and regulations of the Financial Conduct Authority. It should be noted that the Fund is not covered by the Money Market Fund Regulations and that depositors are not eligible for the Financial Services Compensation Scheme (FSCS) or the services of the Financial Ombudsman Service (FOS).

5.17% A.E.R inclusive of management fee


To 31 March 2024 1 year
3 years
% p.a.
5 years
% p.a.
% p.a.
Fund 4.9 2.3 1.6 1.6

Interest rate

 Daily rate
24th April 20245.055.17

“We have found Epworth Investments invaluable in their support and guidance when deciding what to do and when with tranches of monies. Staff are supportive, knowledgeable and flexible to accommodate the needs of our (complex!) organisation.

Their guidance and understanding is invaluable and we have been working closely with the Business Development team who have been an absolute asset in supporting us in placing funds and securing an excellent rate of return but moreover, making the transfer of funds from one banking entity to themselves seamless and easy.”

Dr Sally East, Salvation Army


  • Competitive Interest Rate: 
    Currently offering an attractive 5.17% A.E.R. (Annual Equivalent Rate). (Management fee of 0.25% + VAT inclusive).
  • Straight Forward Fund Access:*
    Same-day accessibility to your funds.
  • Dedicated Client Team:
    Our London-based client team is committed to providing
    personalized service.
  • Proven Longevity:
    Established in November 2006, our fund has a track record of stability and is regulated by the Charity Commission.
  • Convenient Accessibility:
    Benefit from easy and secure online portal access.
  • Financial Security:
    Your funds are secured through diversification across a broad spectrum of reputable financial institutions


The monthly interest distribution rate can fluctuate and past performance is no guarantee of future returns. To help manage the risk of capital losses, the Fund spreads its investments across a wide range of financial institutions. The possibility of capital loss does exist, however, it has never occurred in the Fund’s history.

A charge for same day transfers applies (currently £12 via CHAPS) or can be done for free in 2-3 days (via BACS). *We reserve the right to require 7 days’ notice of withdrawals in exceptional circumstances but typically provide same day access. Full details and terms, including the Scheme Particulars, can be found at The Epworth Cash Plus Fund for Charities is exempt from the Financial Services and Markets Act 2000, and depositors are not eligible for the Statutory Investors Compensation Scheme or the services of Financial Services Ombudsman.

The Manager is however duly authorised under the Financial Services and Markets Act 2000. Epworth Investment Management Limited (Epworth) is authorised and regulated by the Financial Conduct Authority (Registered number 175451). Incorporated in England and Wales. Registered number 3052894. Registered office 9 Bonhill Street, London EC2A 4PE.