Banking On What Really Matters

A not-for-profit bank owned by its members since 2001.

The friendly way to save and borrow.

Duel regulated by the Bank of England and Financial Conduct Authority No 213757

Start your ethical journey with the not-for-profit bank.

We offer savings accounts and personal loans with a difference.

As the region’s only not-for-profit bank with no greedy shareholders or faceless investors, we invest in supporting and growing local communities.

From fair, affordable loans, ethical investments and fee-free banking to community grants and our foundation fund. We drive real change across our region from Portsmouth to Southampton, Bournemouth, Basingstoke, Andover, Newbury, Woking, Guildford and surrounding areas.

The Cashback Loan

We love to help people save, even when they borrow.

With every loan repayment you make, you’ll be reducing what you owe and building savings at the same time!

It’s positively different to your high street lender.

Diagram showing a financial flow with arrows labeled 'LOAN' pointing down to 'LOAN REPAID' and 'SAVINGS' pointing down to 'SAVINGS POT', with a central square labeled 'REPAYMENTS' connecting both arrows.

We’ll help you build savings while you borrow.

What Do Our Customers Say…

Supporting Local Communities

We’ve been inspired and proud to have supported many local groups, organisations and charities across our region with our Foundation Fund and Community Grant Scheme.

FIND OUT MORE

FAQ

  • Wessex Community Bank is a not-for-profit bank serving Hampshire including Portsmouth, Southampton, Bournemouth, Guildford, Woking, Basingstoke, Andover, Aldershot, Newbury and surrounding areas.

    Unlike high street banks, we reinvest every penny of profit into local communities, funding grants, community projects, and ethical savings schemes.

    We provide low-cost personal loans, free community group accounts, and prize-linked savings that help people build financial security.

    We are a financially stable and secure bank with no external investors, debts or reliance on grants. Our impressive financial regulatory ratios and capital strength demonstrates our strong governance and make us a perfect choice for a safe investment.

  • Yes. Our loans are guaranteed to be lower cost than high street lenders. Because we are not-for-profit we can charge less for loans. You can borrow up to £4,750 with fair, fixed rates and no hidden fees. Every loan includes automatic savings, so by the time your loan is repaid, you have built a savings pot to give you even greater financial stability.

    If you’re looking for ethical loans Wessex Community Bank offers a safe, affordable alternative to high street banks, payday loans and expensive credit cards.

    Apply for a loan now

  • We offer simple, ethical savings accounts that reward regular saving.

    Every member can save flexibly, and borrowers automatically build savings as part of their loan repayments. Our Prize Draw Saver is one of our most popular savings accounts . Every £1 saved earns you a chance to win cash prizes each month.

    If you’re searching for a risk-free savings account including Cash ISAs, Christmas Clubs, Prize Draw accounts which offer guaranteed return of funds with zero risk Wessex Community Bank is a safe and rewarding choice.

    Apply now for a savings account

  • Our Christmas Club savings account helps you save throughout the year to avoid the financial stress of December.

    You stay in control of your cash, unlike voucher schemes and can access your full balance in time for Christmas shopping.

    We also offer affordable Christmas loans that come with built-in savings, so you repay your loan and build a nest egg at the same time.

    If you’re searching for a Christmas savings club , we’re a local, ethical and friendly bank to build savings with .

    Apply for a Christmas Club

  • Through our Foundation Fund, we provide grants for charities, grassroots groups and local organisations across Hampshire, Portsmouth, Southampton, Basingstoke, Guildford and nearby areas.

    We also offer free community group bank accounts, so your group can manage funds without paying banking fees.

    If you’re looking for a community grant to support a local project in our area and you need a cash boost to make your community buzz, get in touch. Wessex Community Bank supports local projects that create a positive impact.

    Apply for a community grant

  • Every service we offer, from low-cost loans and savings accounts to community grants and free group accounts, is designed to support local people and projects.

    Unlike high street banks, we don’t profit from customers, we reinvest surpluses back into Hampshire, Portsmouth, Southampton, Bournemouth, Andover, Guildford and beyond.

    If you’re looking for a local bank that supports the community, Wessex Community Bank is the ethical choice.

It feels good to say you’re with a not-for-profit bank

You don’t need to change banks to be part of it.

Join Wessex Community Bank’s journey of community-based, ethical and inclusive banking.