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Money Advice Trust

Also known as: Business Debtline, National Debtline, Wiseradviser

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.

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Activities & Mission

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.

Grants

Money Advice Trust makes grants as part of its work.

Gives grants to
organisations
Grants paid (2025)
£10,850
Who it helps
the general public
What it supports
education and training and the prevention or relief of poverty

As recorded with the Charity Commission. To ask about applying, use the contact details and check the trustees and latest accounts below.

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Areas of Operation

Where this charity is registered to operate, as self-declared to the Charity Commission. These are regulatory classifications, not a list of active programmes, and don't necessarily indicate fundraising activity in each location.

Financial Information

Latest Income
£19,909,004
Latest Expenditure
£23,003,396

Financial Efficiency

Program Ratio 114.4%
% of income going directly to charitable activities
Overall Efficiency 99.1%
% of expenditure going to programs (vs overhead)
Administrative Ratio 1.9%
Overhead (fundraising + governance) as % of total expenditure

Latest Financial Breakdown

Income Sources

Donations & Legacies £3,097,509
Charitable Activities £16,263,318
Other Trading £0
Investments £347,004
Other Income £201,173

Expenditure Categories

Charitable Expenditure £22,785,310
Raising Funds £218,086
Governance £207,620
Grants to Institutions £10,850
Other Expenditure £0

Financial Trend

Annual Returns

As filed with the Charity Commission for England and Wales. Most recent filing covers the financial year ending 2025.

Financial YearIncomeExpenditureCharitable SpendingNet AssetsReservesStaff
2025
£19,909,004
£23,003,396£22,785,310£10,463,895£10,408,381327 / 0
2024
£21,681,305
£22,517,187£22,255,035£13,558,287£12,592,825322 / 0
2023
£21,264,112
£18,717,612£18,454,428£14,394,169£12,785,172282 / 0
2022
£16,035,881
£13,761,975£13,504,566£11,847,669£9,898,871253 / 0
2021
£16,280,000
£14,021,000£13,771,000£9,574,000£9,458,000280 / 0

Staff column shows: Employees / Volunteers

Frequently asked questions about Money Advice Trust

What does Money Advice Trust do?

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.

How much income did Money Advice Trust report in 2025?

Money Advice Trust reported total income of £19.91m and reported expenditure of £23.00m for the financial year ending 2025, based on the most recent annual return filed with the Charity Commission.

When was Money Advice Trust registered as a charity?

Money Advice Trust was registered with the Charity Commission for England and Wales on 18 September 2003 as charity number 1099506. It has been registered for 23 years.

Who runs Money Advice Trust?

Money Advice Trust is governed by a board of 9 trustees. The chair of trustees is Christine Hayes. Trustees are legally responsible for the charity's governance and are listed in full on its profile.

Where does Money Advice Trust operate?

Money Advice Trust operates across 3 areas: Northern Ireland, Scotland and England And Wales.

Is Money Advice Trust a registered charity?

Yes — Money Advice Trust is a registered charity in England and Wales, charity number 1099506.

Details

Contact (address, phone)
Registration Date
18 September 2003
Status
Registered

Registry Information

Organisation Number
4002472
Charity Number
1099506

Trustees

Christine Hayes Chair
Adam Khan
Alexandra Meagher
Laurence Edward Burgess
Mark Allison
Penelope Jane Clarke
Sarah Ruth Desai
Thomas Richard Hamilton Reddy
Zitah McMillan-Ward

Also Known As

  • Business Debtline
  • National Debtline
  • Wiseradviser

Data & trust

Register data refreshed
26 October 2026
Report a data issue