SANTANDER UK FOUNDATION LIMITED

Registered charity 803655 · accounts filings on the Charity Commission register · also known as ABBEY NATIONAL CHARITABLE TRUST LIMITED, SANTANDER FOUNDATION, THE DISCOVERY FOUNDATION

Grantmaking to UK charities working within the published charitable priorities of the Santander Foundation.

Causes: General Charitable Purposes · Grant history (this charity is a funder) · website · Get email alerts

Latest income

£825k

Latest spending

£490k

Registered

1990

Accounts read

FY2025

Financial health, per its FY2025 accounts

The accounts state that the charity holds total funds of £21,161,558, comprising £7,869,930 in unrestricted funds and £12,793,219 in endowment funds. The trustees maintain a reserves policy to ensure funds are available to cover one month of grant awards, and the charity had no directly employed staff during the financial year.

Automated summary of the FY2025 accounts; the evidenced findings below carry the verbatim passages.

What the accounts disclose

Fundraising cost ratio: 0.0% of fundraised income, as disclosed

“No costs are incurred for generating funds.” — page 18

Per its FY2025 accounts as filed with the Charity Commission.

Reserves policy: one month of grant awards (held: £7.9m)

“it is the foundation’s approach to ensure funds are available to cover one month of grant awards at any time in reserve.” — page 8

Per its FY2025 accounts as filed with the Charity Commission.

Related-party transaction: Donations and gifts in kind from Santander UK plc

“The Foundation has received donations and gifts from Santander UK plc amounting to £100,000 (2024: £100,000). In addition to this, the Foundation received £129,870 (2024: £238,248) in respect of matched donations from Santander UK plc.” — page 22

“Related party cash balances are held by Cater Allen Limited and were £490,138 at 31 December 2025 (2024: £1,313,781).” — page 22

Per its FY2025 accounts as filed with the Charity Commission.

Related-party transaction: Cash balances held by related party

“The Foundation has received donations and gifts from Santander UK plc amounting to £100,000 (2024: £100,000). In addition to this, the Foundation received £129,870 (2024: £238,248) in respect of matched donations from Santander UK plc.” — page 22

“Related party cash balances are held by Cater Allen Limited and were £490,138 at 31 December 2025 (2024: £1,313,781).” — page 22

Per its FY2025 accounts as filed with the Charity Commission.

Related-party transaction: Administrative support services from Santander UK plc

“The Foundation has received donations and gifts from Santander UK plc amounting to £100,000 (2024: £100,000). In addition to this, the Foundation received £129,870 (2024: £238,248) in respect of matched donations from Santander UK plc.” — page 22

“Related party cash balances are held by Cater Allen Limited and were £490,138 at 31 December 2025 (2024: £1,313,781).” — page 22

Per its FY2025 accounts as filed with the Charity Commission.

Accounts audited by PricewaterhouseCoopers LLP. Discloses 5 of 6 completeness components.

Structured financials (annual return, FY ending 31/12/2025)

Total income

£825k

Total spending

£490k

Reserves (reported)

£21.2m

Employees

0

Per its annual return, largest income source: Investments (73% of income) — components as reported reconcile to the return’s total income; not from the accounts narrative.

Per its annual return, cost of raising funds: 0.0% of total income — below the median for charities its size (4.9%) (benchmarks).

Register events

Received assets from another charity (11/05/2022) — per the register’s event history; asset transfers typically record mergers or reorganisations.

Trustees · trustee networks

Judith Mary Moranchair
Danny Jones
Dr Alice Rhiannon Eardley
Ellis Goodson · trustee of 1 other charity
Hannah Elizabeth Cameron
Maryanne Matthews
Mofeyisayo Ayodele
Simon Ross

Trustee list from the Charity Commission register (current, not historical).

Operates in: Guernsey · Isle Of Man · Jersey · Northern Ireland · Scotland · Throughout England And Wales

Income and spending

Financial year end	Income	Spending
31/12/2025	£825k	£490k
31/12/2024	£855k	£1.6m
31/12/2023	£500k	£3.5m
31/12/2022	£3.4m	£2.1m
31/12/2021	£3.7m	£2.3m

Common questions

Is SANTANDER UK FOUNDATION LIMITED financially healthy?

Per its FY2025 accounts: The accounts state that the charity holds total funds of £21,161,558, comprising £7,869,930 in unrestricted funds and £12,793,219 in endowment funds. The trustees maintain a reserves policy to ensure funds are available to cover one month of grant awards, and the charity had no directly employed staff during the financial year. Its FY2025 accounts were audited by PricewaterhouseCoopers LLP.

Funders of similar charities

Funders whose accounts show grants to charities similar to this one (and no recorded grant to this charity) — a starting list for fundraisers.

Funder	Similar charities funded	Amount to them
National Philanthropic Trust UK Limited	1	£14.8m
Evergreen Care UK	1	£500

Charities like this

Semantically similar by activities and financial character, from our analysed corpus. Compare with UBS UK Donor-Advised Foundation.

UBS UK Donor-Advised Foundation income £181.2m
THE SAUNDERSON FOUNDATION income £442k
SOCIETE GENERALE UK FOUNDATION income £1.1m
THE SANDERSON FOUNDATION income £236k
THE SUPPORT FOUNDATION income £190k
HEDLEY FOUNDATION LIMITED income £1.5m

Side by side with its peers

Charity	Income	Top pay band	Staff >£60k	Reserves vs policy	Fundraising cost	Going concern
SANTANDER UK FOUNDATION LIMITED	£825k	—	0	unclear	0.0%	no doubt
UBS UK Donor-Advised Foundation FY2024	£181.2m	—	0	below	—	no doubt
THE SAUNDERSON FOUNDATION FY2025	£442k	—	0	unclear	—	no doubt
SOCIETE GENERALE UK FOUNDATION FY2024	£1.1m	—	0	above	—	no doubt
THE SANDERSON FOUNDATION FY2025	£236k	—	0	unclear	—	no doubt
THE SUPPORT FOUNDATION FY2025	£190k	—	0	below	—	no doubt

Each row is that charity’s latest analysed filing; every value is quote-backed on its own page.