Getting donations as a UK charity comes down to a specific ask, the right moment, and a platform that keeps every penny.
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The difference between a fundraiser that works and one that gets ignored is rarely the channel. It's the ask itself. Generic appeals ("please support our work") get skipped. Specific asks tied to a real story, sent to people who already know you, get answered.
Here is the part nobody tells the small-charity founder: the sector-wide story is not "giving is falling." UK registered-charity income reached around £96bn across approximately 170,000 charities in England and Wales (NCVO UK Civil Society Almanac). What has shifted, per NCVO and CAF sector reporting, is the donor base: fewer people are giving, but the ones who do give more. That is good news and bad news. Good: a small, warm list can carry you. Bad: cold acquisition is harder than ever, so the people you already know matter more.
The rest of this guide is the smallest viable version of each tactic. Pick what fits your week.
For a small charity: stop trying to "diversify revenue streams" before you have one stream working. Get one specific ask out the door to 20 people who already know you. That is the win.
Here is the menu of ways gifts can reach you. Most small charities only need two or three of these. Pick the ones that match how your supporters already give.
For a small charity: start with the online form and one other channel that matches a real moment in your year. Skip the rest until you have a reason to add them.
You can still fundraise, but a few options are limited. Unincorporated community groups, PTAs, CICs, and village halls cannot claim Gift Aid or access most 'charity rate' payment fees until they register. If your income is above £5,000 (in England and Wales) or you are a Charitable Incorporated Organisation (CIO), register with the Charity Commission for England and Wales. In Scotland, all charities register with OSCR regardless of size. In Northern Ireland, register with CCNI. Community Amateur Sports Clubs (CASCs) have a separate HMRC route with some Gift Aid access.
People give to people, not causes. Statistics don't move money. Stories do. Here is the rubric:
Weak:
"We help families in our community access food. Please donate."
Stronger:
"Last winter, a mum called Sarah walked into our foodbank on a Tuesday afternoon because her energy bill had wiped out the food budget. Because of supporters like you, she left with three days of food, a warm-space voucher for the community centre, and a volunteer who rang her the following week to check in. £25 covers a week of parcels for a family like Sarah's. Will you make sure the next Sarah gets the same?"
For a small charity: you do not need a brand voice or a copywriter. You need one true story, told plainly, with a real ask at the end. Write it the way you would tell a friend.
"Anything helps" is the most expensive sentence in fundraising. People freeze when they don't know what to give. Give them a number tied to an outcome.
For a small charity: pick one outcome, price it, and put that price in every ask this quarter. Stop asking for "support." Ask for £25 for one specific thing.
If your donor is a UK taxpayer and ticks the Gift Aid box on your form, HMRC gives you 25p on top of every £1. A £50 gift becomes £62.50 to the charity, at no cost to the donor (HMRC Gift Aid guidance).
Your charity must be HMRC-recognised (a separate registration from the Charity Commission that gives you a Charities Reference Number). Higher-rate and additional-rate taxpayers can claim the difference through Self Assessment, which is a strong nudge for larger donors. Gift Aid does not apply to raffle tickets, event ticket prices, or company donations. Say so on your donation form: a plain-English Gift Aid tick box raises more than one buried in the footer.
Most fundraisers self-censor here. They worry the ask "feels like begging." It doesn't, as long as the urgency is real. The fix is honesty about why now matters.
The Big Give Christmas Challenge: if you can line up a Champion to underwrite the match, apply early. Participation is one of the highest-ROI campaigns in the UK charity calendar.
Example phrases that aren't pushy:
For a small charity: urgency is not a trick. It's just telling the truth about what's at stake this week. If nothing real is at stake, don't manufacture urgency. Wait until something is.
Templates are commodity. The send is the differentiator. Pick the closest fit, swap the [BRACKETS], and send it from a real person's address to someone who actually knows that person.
Subject line options:
Hi [First name],
I don't write to ask often, but I'm asking today.
[One paragraph story: who, what happened, why it mattered. Three to four sentences.]
We're trying to raise £[amount] by [date] to [specific outcome]. A gift of £25 covers [one concrete thing].
Would you give £25 today? It takes about a minute here: [DONATION LINK]
If you're a UK taxpayer, please tick the Gift Aid box, it adds 25p to every £1 you give, at no cost to you.
Thank you for reading this far. Whatever you decide, it means a lot that you care.
[Your first name]
[Title], [Org]
Hi [First name],
Quick follow-up on my note from [day]. We're at £[X] of £[goal], with [Y] days left.
If you've been meaning to give and the link got buried, here it is again: [DONATION LINK]
If now isn't the right moment, I understand. A reply with a kind word still helps more than you'd think.
[Your first name]
[First name], thank you.
Your £[amount] covers [specific outcome]. Here's what that looks like: [one sentence of detail].
I'll send a short update in [60 / 90] days so you can see what your gift made possible. No more asks until then.
With real gratitude,
[Your first name]
When you have someone face to face who cares about the cause, the script is shorter than you think:
"I'm so glad you came tonight. Can I ask you something directly? We're trying to raise £[X] by [date] for [specific outcome]. Would you consider a gift of £[specific amount]? I can take it right here on my phone if that's easier."
"Thank you for what you already give to this work. I came today because I wanted to ask you in person, not by email. We're trying to raise £[X] by [date]. I was hoping you'd consider a leadership gift of £[stretch amount] to set the pace for the rest of the campaign. Whatever you decide, I'm grateful you let me ask."
For a small charity: the templates are not the work. The work is sending them from a real address to people who already know your name. Twenty real sends beat two thousand cold emails every time.
Honest note: if you have no audience yet, generic social posts feel like begging because they basically are. Social shines when you already have warm relationships and want to remind people, not when you're trying to find strangers.
Sample caption that works on any platform:
"Quick one. We need to raise £5,000 by Friday to keep [programme] running. £25 covers [outcome]. Link in bio. If you can't give, a share helps more than you'd think."
For a small charity: social is a reminder channel, not an acquisition channel. Use it to nudge people who already opened your email. Don't expect strangers to show up.
UK corporate giving is real money if you target it right. UK employees increasingly want to work where the culture supports giving and volunteering; CAF and the Chartered Institute of Fundraising both track this trend. Many UK companies have formal programmes waiting for charities to apply.
Start with the companies your trustees, volunteers, and donors already work at. Employee-tied giving is the easiest corporate pound to unlock.
Payroll Giving lets an employee donate straight from their pre-tax salary through their employer's PAYE scheme. £10 a month from a basic-rate taxpayer costs them £8; from a higher-rate taxpayer, just £6. You receive the full £10 with no Gift Aid paperwork. Many employers match Payroll Giving pound-for-pound.
Ask every corporate contact whether their company runs a Payroll Giving scheme (many do through Charities Trust, CAF Give As You Earn, or Payroll Giving in Action). (HMRC Payroll Giving and donation guidance, Charity Tax Group)
A starter list of UK corporate giving programmes to research. Verify each is still live before building a plan around it, as corporate schemes change frequently:
For each, search the company name plus "community grants" or "charity partnerships" to find the current application page. Eligibility and pound caps change yearly.
[Date]
[Recipient name]
[Title]
[Company]
[Address]
Dear [Recipient name],
I'm writing on behalf of [Org name], a charity registered with the Charity Commission (charity no. [XXXXX]), based in [city/region], which [one-sentence mission].
This year, we will [specific outcome / number served]. To do that, we are raising £[total] from individual donors, trusts, and aligned companies in our community.
I'd love to talk about whether [Company] would consider a [community grant / programme sponsorship / matching gift partnership / Payroll Giving partnership] of £[amount] for our [specific programme]. In return, your company would receive [recognition / volunteer engagement opportunity / impact report].
I know your team receives many requests. I'll keep it short: our work aligns with [Company's stated giving priority, e.g. "your community education focus"] because [one sentence].
Could we find 20 minutes in the next two weeks? I'm at [phone] and [email].
Thank you for considering us.
[Your name]
[Title], [Org]
For a small charity: the fastest corporate pound is a matching gift on a donation your trustee already made at work. Ask every donor "does your employer match, or run Payroll Giving?" in the thank-you email. Adding £5 a month through Payroll Giving costs a basic-rate taxpayer £4, or a higher-rate taxpayer just £3, and reaches you in full. That is the unlock.
An honest list of tactics that many fundraising guides recommend but that will rarely pay off for a charity with income under £500k:
For a small charity: the textbook playbook will burn you out before it funds you. Do the smallest version of three things well. Add a fourth only when the first three run on autopilot.
You did the hard work to get the ask in front of a real person. Then the platform takes a cut. On a £50 gift, that cut is often £1 to £1.50. On £10,000 raised, it can be £200 to £300 quietly removed before the money reaches you.
Here is how the common options compare on a typical £50 individual gift. Zeffy is used by 100,000+ charities and not-for-profits and has helped raise over £2 billion for causes worldwide:
| Platform | Platform fee | Card processing | Gift Aid processing | What you keep on £10,000 raised |
|---|---|---|---|---|
| Zeffy | 0% | 0% | 0% | £10,000 (£12,500 with Gift Aid from eligible donors) |
| JustGiving | 0% headline, but default ~17% donor tip prompt | 1.9% + 20p per donation | 5% of Gift Aid value | Varies; the tip prompt reduces effective donor generosity and the Gift Aid fee reduces your uplift |
| PayPal (UK charity rate) | See Zeffy vs PayPal compare page | See compare page | No native Gift Aid automation | Less than £10,000; confirm current rates at the compare page |
| CAF Donate | No monthly subscription; staggered fee by payment type | Varies by payment type | Included in fee structure | Verify current rates at cafonline.org before relying on a specific figure |
Numbers reflect publicly available fee structures; verify current rates with each provider before relying on the maths.
Zeffy is the only zero-fee, charity-native option in this comparison. No platform fee, no transaction fee, no credit card fee. Ever. On £10,000 raised from UK-taxpayer donors who tick Gift Aid, your charity receives £12,500 and with Zeffy, you keep all of it.
What works, from UK charities using Zeffy:
For a small charity: a £300 fee leak on £10,000 raised is not a rounding error. It's a programme supply line or a month of software. Pick the platform that doesn't take it.
| Platform | Fee structure | What you keep on £10,000 raised |
|---|---|---|
| Zeffy | No platform fee, no transaction fee, no credit card fee. Funded entirely by optional donor contributions. | £10,000 |
| PayPal (nonprofit rate) | 1.99% + £0.49 per donation (about £1.49 off a £50 gift) | About £9,706 |
| Stripe (nonprofit rate) | 2.2% + £0.30 per donation (about £1.40 off a £50 gift) | About £9,720 |
| Venmo (charity profile) | 1.9% + £0.10 per donation (about £1.05 off a £50 gift) | About £9,790 |
The donation page is the moment of truth. The follow-up is what turns a one-time gift into a relationship. Treat the donor's contact details the way they deserve to be treated: as something they gave you.
To run this without a spreadsheet that breaks, you need somewhere to track who you asked and what they pledged. A small charity doesn't need an enterprise CRM. It needs a clean list of donors, gifts, and the last time you said thank you.
For more on the channel mechanics behind this, see our guides on accepting donations online, digital fundraising for charities, and building a fundraising plan. When you're ready to grow major gifts, our piece on major donor acquisition picks up where this guide ends.
For a small charity: the contact details a donor gave you are the most valuable thing on your computer. Treat them like a gift. Send the thank-you. Send the update. Ask again when there's a real reason to.
Start with suggested amounts on your donation form: £10, £25, £50, and £100 work well for most small UK charities. Tie each level to a concrete outcome ("£25 covers a week of food parcels for a family"). In a direct email ask, name one specific amount and explain exactly what it funds. "Anything helps" freezes donors; a number moves them.
In the UK, "100% of your gift reaches the charity" is a real differentiator. JustGiving's default suggested donor tip of around 17% is the single most-criticised pattern in UK fundraising press. If you're on Zeffy (0% platform fee, 0% transaction fee, 0% card fee), say so plainly. Donors who care about where their money goes will notice.
Probably not yet. The National Lottery Community Fund, Arts Council England, and the large charitable trusts tend to fund organisations they already know. Until you have a track record and relationships, time spent writing cold applications would raise more if spent on warm-list asks. Build one reliable giving stream first, then approach funders once you have evidence of community support to show them.
solicitation is the ask: an email, a conversation, a campaign page. A donation is the response: a gift made freely, with no expectation of goods or services in return. The distinction matters for Gift Aid (a ticket price or raffle entry is not a donation for Gift Aid purposes) and for the Fundraising Regulator's Code of Fundraising Practice, which governs how and when you can solicit.
Yes. No platform fee, no transaction fee, no credit card fee. Ever. Zeffy's model is funded by voluntary contributions from donors who choose to support the platform at checkout; you never pay and your charity is never charged. Zeffy also handles your Gift Aid declaration at checkout, so the HMRC uplift reaches you without extra admin. You keep every pound.
Add a Gift Aid tick box to your donation form with a plain-English statement: something like "I am a UK taxpayer and I want [Charity name] to reclaim the tax on my donation." Capture the donor's full name and home address. Keep the declaration for at least six years after the last donation it covers. Your charity must be HMRC-recognised (separate from Charity Commission registration) to make the claim. Zeffy captures Gift Aid declarations automatically at checkout.
You can still fundraise, but Gift Aid and most charity-rate payment fees are not available until you register. If your income exceeds £5,000 in England and Wales, register with the Charity Commission. In Scotland, register with OSCR regardless of size. In Northern Ireland, register with CCNI. Until then, focus on warm-list asks, ticketed events, and Payroll Giving partnerships with local employers.

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