01 Identity
Registration and reporting
- Registration status
- Registered
- Reporting status
- Submission Received
- Charity type
- Charitable company
- Registered
- 18 September 2003
- Removed
- Not supplied
- Company number supplied
- 04741583
- Financial period
- 1 January 2025 – 31 December 2025
- Latest income
- £19,909,004
- Latest expenditure
- £23,003,396
- Gift Aid
- No
- Owns or uses land
- Yes
- In administration
- No
- Insolvent
- No
- CIO
- No
Public contact address: Money Advice Trust, Tricorn House, Hagley Road, BIRMINGHAM, B16 8TP
Website recorded by the regulator: www.moneyadvicetrust.org (displayed as text)
02 Activities
What the charity does
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.
03 Official extract
Charity Annual Return History
- Fin Period Start Date
- 1 January 2025
- Fin Period End Date
- 31 December 2025
- Ar Cycle Reference
- AR25
- Reporting Due Date
- 31 October 2026
- Date Annual Return Received
- 25 September 2026
- Date Accounts Received
- 25 September 2026
- Total Gross Income
- £19,909,004
- Total Gross Expenditure
- £23,003,396
- Fin Period Start Date
- 1 January 2024
- Fin Period End Date
- 31 December 2024
- Ar Cycle Reference
- AR24
- Reporting Due Date
- 31 October 2025
- Date Annual Return Received
- 31 October 2025
- Date Accounts Received
- 31 October 2025
- Total Gross Income
- £21,681,305
- Total Gross Expenditure
- £22,517,187
- Fin Period Start Date
- 1 January 2023
- Fin Period End Date
- 31 December 2023
- Ar Cycle Reference
- AR23
- Reporting Due Date
- 31 October 2024
- Date Annual Return Received
- 31 October 2024
- Date Accounts Received
- 31 October 2024
- Total Gross Income
- £21,264,112
- Total Gross Expenditure
- £18,717,612
- Fin Period Start Date
- 1 January 2022
- Fin Period End Date
- 31 December 2022
- Ar Cycle Reference
- AR22
- Reporting Due Date
- 31 October 2023
- Date Annual Return Received
- 18 October 2023
- Date Accounts Received
- 18 October 2023
- Total Gross Income
- £16,035,881
- Total Gross Expenditure
- £13,761,975
- Fin Period Start Date
- 1 January 2021
- Fin Period End Date
- 31 December 2021
- Ar Cycle Reference
- AR21
- Reporting Due Date
- 31 October 2022
- Date Annual Return Received
- 15 September 2022
- Date Accounts Received
- 15 September 2022
- Total Gross Income
- £16,280,000
- Total Gross Expenditure
- £14,021,000
04 Official extract
Charity Annual Return Parta
- Latest Fin Period Submitted Ind
- Yes
- Fin Period Order Number
- 1
- Ar Cycle Reference
- AR25
- Fin Period Start Date
- 1 January 2025
- Fin Period End Date
- 31 December 2025
- Ar Due Date
- 31 October 2026
- Ar Received Date
- 25 September 2026
- Total Gross Income
- £19,909,004
- Total Gross Expenditure
- £23,003,396
- Grant Making Is Main Activity
- No
- Count Govt Contracts
- 2
- Count Govt Grants
- £1
- Income From Government Contracts
- 13667628
- Income From Government Grants
- £343,396
- Charity Has Trading Subsidiary
- No
- Does Trustee Receive Any Benefit
- No
- Trustee Payments Acting As Trustee
- No
- Trustee Receives Payments Services
- No
- Trustee Receives Other Benefit
- No
- Trustee Resigned Employment
- No
- Employees Salary Over 60k
- Yes
- Count Salary Band 60001 70000
- 5
- Count Salary Band 70001 80000
- 9
- Count Salary Band 80001 90000
- 1
- Count Salary Band 90001 100000
- 1
- Count Salary Band 100001 110000
- 0
- Count Salary Band 110001 120000
- 0
- Count Salary Band 120001 130000
- 1
- Count Salary Band 130001 140000
- 1
- Count Salary Band 140001 150000
- 2
- Count Salary Band 150001 200000
- 0
- Count Salary Band 200001 250000
- 0
- Count Salary Band 250001 300000
- 0
- Count Salary Band 300001 350000
- 0
- Count Salary Band 350001 400000
- 0
- Count Salary Band 400001 450000
- 0
- Count Salary Band 450001 500000
- 0
- Count Salary Band Over 500000
- 0
- Count Volunteers
- 0
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 2
- Ar Cycle Reference
- AR24
- Fin Period Start Date
- 1 January 2024
- Fin Period End Date
- 31 December 2024
- Ar Due Date
- 31 October 2025
- Ar Received Date
- 31 October 2025
- Total Gross Income
- £21,681,305
- Total Gross Expenditure
- £22,517,187
- Grant Making Is Main Activity
- No
- Count Govt Contracts
- 3
- Count Govt Grants
- £0
- Income From Government Contracts
- 13691050
- Charity Has Trading Subsidiary
- No
- Does Trustee Receive Any Benefit
- No
- Trustee Payments Acting As Trustee
- No
- Trustee Receives Payments Services
- No
- Trustee Receives Other Benefit
- No
- Trustee Resigned Employment
- No
- Employees Salary Over 60k
- Yes
- Count Salary Band 60001 70000
- 6
- Count Salary Band 70001 80000
- 6
- Count Salary Band 80001 90000
- 2
- Count Salary Band 90001 100000
- 1
- Count Salary Band 100001 110000
- 1
- Count Salary Band 110001 120000
- 0
- Count Salary Band 120001 130000
- 1
- Count Salary Band 150001 200000
- 1
- Count Volunteers
- 0
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 3
- Ar Cycle Reference
- AR23
- Fin Period Start Date
- 1 January 2023
- Fin Period End Date
- 31 December 2023
- Ar Due Date
- 31 October 2024
- Ar Received Date
- 31 October 2024
- Total Gross Income
- £21,264,112
- Total Gross Expenditure
- £18,717,612
- Grant Making Is Main Activity
- No
- Count Govt Contracts
- 2
- Count Govt Grants
- £0
- Income From Government Contracts
- 10265405
- Charity Has Trading Subsidiary
- No
- Does Trustee Receive Any Benefit
- No
- Trustee Payments Acting As Trustee
- No
- Trustee Receives Payments Services
- No
- Trustee Receives Other Benefit
- No
- Trustee Resigned Employment
- No
- Employees Salary Over 60k
- Yes
- Count Salary Band 60001 70000
- 6
- Count Salary Band 70001 80000
- 4
- Count Salary Band 80001 90000
- 1
- Count Salary Band 90001 100000
- 1
- Count Salary Band 100001 110000
- 1
- Count Salary Band 120001 130000
- 1
- Count Volunteers
- 0
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 4
- Ar Cycle Reference
- AR22
- Fin Period Start Date
- 1 January 2022
- Fin Period End Date
- 31 December 2022
- Ar Due Date
- 31 October 2023
- Ar Received Date
- 18 October 2023
- Total Gross Income
- £16,035,881
- Total Gross Expenditure
- £13,761,975
- Charity Raises Funds From Public
- No
- Grant Making Is Main Activity
- No
- Charity Receives Govt Funding Contracts
- No
- Charity Receives Govt Funding Grants
- No
- Charity Has Trading Subsidiary
- No
- Does Trustee Receive Any Benefit
- No
- Trustee Resigned Employment
- No
- Employees Salary Over 60k
- Yes
- Count Salary Band 60001 70000
- 8
- Count Salary Band 80001 90000
- 1
- Count Salary Band 90001 100000
- 2
- Count Salary Band 120001 130000
- 1
- Count Volunteers
- 0
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 5
- Ar Cycle Reference
- AR21
- Fin Period Start Date
- 1 January 2021
- Fin Period End Date
- 31 December 2021
- Ar Due Date
- 31 October 2022
- Ar Received Date
- 15 September 2022
- Total Gross Income
- £16,280,000
- Total Gross Expenditure
- £14,021,000
- Charity Raises Funds From Public
- No
- Grant Making Is Main Activity
- No
- Charity Receives Govt Funding Contracts
- No
- Charity Receives Govt Funding Grants
- No
- Charity Has Trading Subsidiary
- No
- Does Trustee Receive Any Benefit
- No
- Trustee Resigned Employment
- No
- Employees Salary Over 60k
- Yes
- Count Salary Band 60001 70000
- 8
- Count Salary Band 80001 90000
- 1
- Count Salary Band 90001 100000
- 1
- Count Salary Band 110001 120000
- 1
- Count Volunteers
- 0
05 Official extract
Charity Annual Return Partb
- Latest Fin Period Submitted Ind
- Yes
- Fin Period Order Number
- 1
- Ar Cycle Reference
- AR25
- Fin Period Start Date
- 1 January 2025
- Fin Period End Date
- 31 December 2025
- Ar Due Date
- 31 October 2026
- Ar Received Date
- 25 September 2026
- Income Donations And Legacies
- 3097509
- Income Other Trading Activities
- 0
- Income Charitable Activities
- 16263318
- Income Investments
- 347004
- Income Other
- 201173
- Income Total Income And Endowments
- 19909004
- Income Legacies
- 0
- Income Endowments
- 0
- Expenditure Raising Funds
- £218,086
- Expenditure Charitable Expenditure
- £22,785,310
- Expenditure Other
- 0
- Expenditure Total
- 23003396
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 10850
- Expenditure Governance
- 207620
- Expenditure Support Costs
- 3309691
- Expenditure Depreciation
- 293995
- Gain Loss Investment
- 0
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 0
- Gain Loss Other
- 0
- Reserves
- £10,408,381
- Assets Total Fixed
- 232264
- Assets Own Use
- 232264
- Assets Long Term Investment
- 0
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £13,960,430
- Assets Total Liabilities
- £3,728,799
- Assets Current Investment
- 6214769
- Assets Total Assets And Liabilities
- £10,463,895
- Creditors One Year Total Current
- 3398799
- Creditors Falling Due After One Year
- 330000
- Assets Cash
- £4,917,083
- Funds Endowment
- 0
- Funds Unrestricted
- 10463895
- Funds Restricted
- 0
- Funds Total
- 10463895
- Count Employees
- 327
- Charity Only Accounts
- Yes
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 2
- Ar Cycle Reference
- AR24
- Fin Period Start Date
- 1 January 2024
- Fin Period End Date
- 31 December 2024
- Ar Due Date
- 31 October 2025
- Ar Received Date
- 31 October 2025
- Income Donations And Legacies
- 4080998
- Income Other Trading Activities
- 0
- Income Charitable Activities
- 17093276
- Income Investments
- 507031
- Income Other
- 0
- Income Total Income And Endowments
- 21681305
- Income Legacies
- 0
- Income Endowments
- 0
- Expenditure Raising Funds
- £262,152
- Expenditure Charitable Expenditure
- £22,255,035
- Expenditure Other
- 0
- Expenditure Total
- 22517187
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 18850
- Expenditure Governance
- 344636
- Expenditure Support Costs
- 2469900
- Expenditure Depreciation
- 229961
- Gain Loss Investment
- 0
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 0
- Gain Loss Other
- 0
- Reserves
- £12,592,825
- Assets Total Fixed
- 355727
- Assets Own Use
- 355727
- Assets Long Term Investment
- 0
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £15,397,554
- Assets Total Liabilities
- £2,194,994
- Assets Current Investment
- 0
- Assets Total Assets And Liabilities
- £13,558,287
- Creditors One Year Total Current
- 2194994
- Creditors Falling Due After One Year
- 0
- Assets Cash
- £13,558,287
- Funds Endowment
- 0
- Funds Unrestricted
- 13558287
- Funds Restricted
- 0
- Funds Total
- 13558287
- Count Employees
- 322
- Charity Only Accounts
- Yes
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 3
- Ar Cycle Reference
- AR23
- Fin Period Start Date
- 1 January 2023
- Fin Period End Date
- 31 December 2023
- Ar Due Date
- 31 October 2024
- Ar Received Date
- 31 October 2024
- Income Donations And Legacies
- 7494326
- Income Other Trading Activities
- 0
- Income Charitable Activities
- 13522861
- Income Investments
- 246925
- Income Other
- 0
- Income Total Income And Endowments
- 21264112
- Income Legacies
- 0
- Income Endowments
- 0
- Expenditure Raising Funds
- £263,184
- Expenditure Charitable Expenditure
- £18,454,428
- Expenditure Other
- 0
- Expenditure Total
- 18717612
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 84820
- Expenditure Governance
- 388648
- Expenditure Support Costs
- 2167013
- Expenditure Depreciation
- 253174
- Gain Loss Investment
- 0
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 0
- Gain Loss Other
- 0
- Reserves
- £12,785,172
- Assets Total Fixed
- 469930
- Assets Own Use
- 469930
- Assets Long Term Investment
- 0
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £17,700,313
- Assets Total Liabilities
- £3,776,074
- Assets Current Investment
- 0
- Assets Total Assets And Liabilities
- £14,394,169
- Creditors One Year Total Current
- 3776074
- Creditors Falling Due After One Year
- 0
- Assets Cash
- £14,862,333
- Funds Endowment
- 0
- Funds Unrestricted
- 14394169
- Funds Restricted
- 0
- Funds Total
- 14394169
- Count Employees
- 282
- Charity Only Accounts
- Yes
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 4
- Ar Cycle Reference
- AR22
- Fin Period Start Date
- 1 January 2022
- Fin Period End Date
- 31 December 2022
- Ar Due Date
- 31 October 2023
- Ar Received Date
- 18 October 2023
- Income Donations And Legacies
- 5132620
- Income Other Trading Activities
- 0
- Income Charitable Activities
- 10853795
- Income Investments
- 49466
- Income Other
- 0
- Income Total Income And Endowments
- 16035881
- Income Legacies
- 0
- Income Endowments
- 0
- Expenditure Raising Funds
- £257,409
- Expenditure Charitable Expenditure
- £13,504,566
- Expenditure Other
- 0
- Expenditure Total
- 13761975
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 146797
- Expenditure Governance
- 266328
- Expenditure Support Costs
- 2148913
- Expenditure Depreciation
- 228938
- Gain Loss Investment
- 0
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 0
- Gain Loss Other
- 0
- Reserves
- £9,898,871
- Assets Total Fixed
- 596287
- Assets Own Use
- 596287
- Assets Long Term Investment
- 0
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £14,189,555
- Assets Total Liabilities
- £2,938,173
- Assets Current Investment
- 0
- Assets Total Assets And Liabilities
- £11,847,669
- Creditors One Year Total Current
- 2938173
- Creditors Falling Due After One Year
- 0
- Assets Cash
- £12,341,708
- Funds Endowment
- 0
- Funds Unrestricted
- 11556773
- Funds Restricted
- 290896
- Funds Total
- 11847669
- Count Employees
- 253
- Charity Only Accounts
- Yes
- Latest Fin Period Submitted Ind
- No
- Fin Period Order Number
- 5
- Ar Cycle Reference
- AR21
- Fin Period Start Date
- 1 January 2021
- Fin Period End Date
- 31 December 2021
- Ar Due Date
- 31 October 2022
- Ar Received Date
- 15 September 2022
- Income Donations And Legacies
- 5748000
- Income Other Trading Activities
- 0
- Income Charitable Activities
- 10527000
- Income Investments
- 5000
- Income Other
- 0
- Income Total Income And Endowments
- 16280000
- Income Legacies
- 0
- Income Endowments
- 0
- Expenditure Raising Funds
- £250,000
- Expenditure Charitable Expenditure
- £13,771,000
- Expenditure Other
- 0
- Expenditure Total
- 14021000
- Expenditure Investment Management
- 0
- Expenditure Grants Institution
- 0
- Expenditure Governance
- 194000
- Expenditure Support Costs
- 1909000
- Expenditure Depreciation
- 336000
- Gain Loss Investment
- 0
- Gain Loss Pension Fund
- 0
- Gain Loss Revaluation Fixed Investment
- 669000
- Gain Loss Other
- 0
- Reserves
- £9,458,000
- Assets Total Fixed
- 816000
- Assets Own Use
- 816000
- Assets Long Term Investment
- 0
- Defined Benefit Pension Scheme
- 0
- Assets Other Assets
- £10,362,000
- Assets Total Liabilities
- £1,604,000
- Assets Current Investment
- 0
- Assets Total Assets And Liabilities
- £9,574,000
- Creditors One Year Total Current
- 1604000
- Creditors Falling Due After One Year
- 0
- Assets Cash
- £8,887,000
- Funds Endowment
- 0
- Funds Unrestricted
- 9458000
- Funds Restricted
- 116000
- Funds Total
- 9574000
- Count Employees
- 280
- Charity Only Accounts
- Yes
06 Official extract
Charity Area Of Operation
- Geographic Area Type
- Country
- Geographic Area Description
- Northern Ireland
- Parent Geographic Area Type
- Continent
- Parent Geographic Area Description
- Europe
- Welsh Ind
- No
- Geographic Area Type
- Country
- Geographic Area Description
- Scotland
- Parent Geographic Area Type
- Continent
- Parent Geographic Area Description
- Europe
- Welsh Ind
- No
- Geographic Area Type
- Region
- Geographic Area Description
- Throughout England And Wales
- Welsh Ind
- No
07 Official extract
Charity Classification
- Classification Code
- 105
- Classification Type
- What
- Classification Description
- The Prevention Or Relief Of Poverty
- Classification Code
- 102
- Classification Type
- What
- Classification Description
- Education/training
- Classification Code
- 309
- Classification Type
- How
- Classification Description
- Acts As An Umbrella Or Resource Body
- Classification Code
- 307
- Classification Type
- How
- Classification Description
- Provides Advocacy/advice/information
- Classification Code
- 302
- Classification Type
- How
- Classification Description
- Makes Grants To Organisations
- Classification Code
- 207
- Classification Type
- Who
- Classification Description
- The General Public/mankind
08 Official extract
Charity Event History
- Charity Name
- MONEY ADVICE TRUST
- Charity Event Order
- 2
- Event Type
- Asset transfer in
- Date Of Event
- 2022-07-11T00:00:00
- Reason
- Removed by application
- Assoc Organisation Number
- 5109890
- Assoc Registered Charity Number
- 1176832
- Assoc Charity Name
- LOAN SMART
- Charity Name
- MONEY ADVICE TRUST
- Charity Event Order
- 1
- Event Type
- Standard registration
- Date Of Event
- 2003-09-18T00:00:00
09 Official extract
Charity Governing Document
- Governing Document Description
- MEMORANDUM AND ARTICLES OF ASSOCIATION INCORPORATED 23 APRIL 2003 AS AMENDED BY SPECIAL RESOLUTION 19 JULY 2005 AND 3 MARCH 2008 AND ARTICLES OF ASSOCIATION ADOPTED BY SPECIAL RESOLUTION DATED 27 MAY 2010 AS AMENDED ON 25 APR 2018AS AMENDED BY SPECIAL RESOLUTION(S) DATED 10 DEC 2020 as amended on 04 Jun 2025
- Charitable Objects
- (I) THE RELIEF OF POVERTY INCLUDING, BUT NOT LIMITED TO, THAT ARISING FROM INDEBTEDNESS; AND(II) THE ADVANCEMENT OF PUBLIC EDUCATION IN ALL MATTERS RELATING TO THE MANAGEMENT OF PERSONAL FINANCES
- Area Of Benefit
- NOT DEFINED.
10 Official extract
Charity Other Names
- Charity Name Id
- 325249
- Charity Name Type
- Working name
- Charity Name
- WISERADVISER
- Charity Name Id
- 325241
- Charity Name Type
- Working name
- Charity Name
- NATIONAL DEBTLINE
- Charity Name Id
- 325230
- Charity Name Type
- Working name
- Charity Name
- BUSINESS DEBTLINE
11 Official extract
Charity Other Regulators
- Regulator Order
- 1
- Regulator Name
- Financial Conduct Authority
12 Official extract
Charity Policy
- Policy Name
- Complaints policy and procedures
- Policy Name
- Social media policy and procedures
- Policy Name
- Trustee expenses policy and procedures
- Policy Name
- Complaints handling
- Policy Name
- Investing charity funds policy and procedures
- Policy Name
- Safeguarding vulnerable beneficiaries
- Policy Name
- Risk management
- Policy Name
- Serious incident reporting policy and procedures
- Policy Name
- Bullying and harassment policy and procedures
- Policy Name
- Internal charity financial controls policy and procedures
- Policy Name
- Paying staff
- Policy Name
- Internal risk management policy and procedures
- Policy Name
- Investment
- Policy Name
- Safeguarding policy and procedures
- Policy Name
- Conflicting interests
- Policy Name
- Financial reserves policy and procedures
- Policy Name
- Trustee conflicts of interest policy and procedures