Do more with your money
Competitive loan rates, ethical savings and a Foundation that turns profit into purpose.
One payment.
Two outcomes.
With our Cashback Loan, each monthly payment does more than repay what you borrowed. Part of it also goes into your own savings pot.
Price Promise
Why should borrowing less mean paying a higher rate?
Our Price Promise is designed to keep our qualifying personal loan rates competitive with major high street banks on loans up to £5,000.
See our loan ratesGet to know Wessex Community Bank.
Explore how our personal loans, savings accounts, Christmas Club, community grants and not-for-profit model work.
About us
Who is Wessex Community Bank?
A member-owned, not-for-profit bank serving communities across Central Southern England.
Wessex Community Bank is a member-owned, not-for-profit community bank. Surpluses are reinvested into building stronger communities rather than being paid to external shareholders.
We serve Hampshire and nearby areas including Portsmouth, Southampton, Bournemouth, Guildford, Woking, Basingstoke, Andover, Aldershot and Newbury.
We provide ethical savings, affordable personal loans, fee-free community group accounts and local grants, backed by strong governance and financial stability.
About Wessex Community Bank
Personal loans
Are Wessex Community Bank loans cheaper than high street bank loans?
Our Price Promise is designed to keep qualifying loan rates competitive up to £5,000.
Our personal loans come with a Price Promise designed to keep qualifying loan rates competitive with major high street banks on loans up to £5,000.
As a not-for-profit community bank, we do not pay shareholder dividends. This helps us keep pricing fair while offering loans with no hidden fees.
Many of our loans also include a tailored savings element, so you can reduce what you owe while building a savings pot at the same time.
Explore personal loans
Savings
How do Wessex Community Bank savings accounts work?
Flexible ways to save, from everyday access to Christmas saving and community accounts.
We offer simple, flexible savings products including our Christmas Club, Ethical Cash ISA, Save to Borrow and Community Group Account.
Members can save flexibly, while some borrowers also build savings automatically alongside their loan repayments.
The aim is simple: provide a safe way to save, build financial resilience and keep more money working within local communities.
Explore savings
Christmas Club
How can I start a Christmas Club savings account?
Save gradually through the year and access your balance in time for Christmas.
Our Christmas Club lets you save throughout the year and access your full balance in time for Christmas.
Spreading the cost across the year can make December easier to manage and gives you more control over your own money.
You can also combine Christmas saving with an affordable loan product that builds savings alongside the borrowing.
Start your Christmas Club
Community grants
How can local groups apply for Wessex Community Bank grants?
Local charities and community groups can apply for support through our Foundation.
Local charities and community groups can apply for support through the Wessex Community Bank Foundation.
We support grassroots organisations across Hampshire and nearby areas with community grant funding and fee-free community group accounts.
If you are running a local project in Portsmouth, Southampton, Basingstoke, Guildford or surrounding areas, you can apply for funding designed to keep money working locally.
Explore community grants
Community impact
How does Wessex Community Bank support local communities?
Surpluses are reinvested into lending, savings, grants and community services.
We reinvest surpluses into affordable personal loans, savings, community grants and fee-free group accounts that directly benefit local people and organisations.
Our lending, ethical savings, Foundation and community banking services are designed to strengthen communities across Hampshire, Portsmouth, Southampton, Bournemouth, Andover, Guildford and beyond.
The aim is to provide a practical alternative where money can support members and communities rather than external shareholders.
See our community impactWhat Do Our Customers Say…
Supporting local groups and communities.
We’re proud to support local groups, charities and community organisations across our region through the Wessex Community Bank Foundation and our community grant programme.
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.
Explore community grantsYour money can do more locally.
From competitive personal loans and ethical savings to community banking and local grants, Wessex Community Bank provides financial services designed for our members and the communities we serve.
As a member-owned, not-for-profit community bank, our surpluses support better financial services and stronger local communities rather than external shareholders.
Personal loans
Competitive loan rates with applications assessed by real people, not simply automated lending decisions.
Explore loansEthical savings
Build your own savings while helping money work responsibly within the communities we serve.
Start savingCommunity banking
Fee-free community group accounts designed for charities, voluntary organisations and local groups.
Community accountsCommunity grants
Our Foundation supports grassroots charities, organisations and projects making a difference locally.
Explore our FoundationWessex Community Bank serves communities across Hampshire and surrounding areas including Portsmouth, Southampton, Bournemouth, Basingstoke, Andover, Aldershot, Farnborough, Winchester, Guildford, Woking, Reading and Newbury.
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