Surplus Saver

Save, Plan and Win!

The Surplus Saver allows you to save any leftover funds before your next salary or benefits offering a flexible, secure way to boost savings. It encourages effortless savings and supports ethical community finance, ensuring your funds work for you. By saving regularly, you not only build a financial cushion but also get a chance to win £50 in our exclusive quarterly prize draw!

Start saving

Core benefits of Surplus Saver

  • Effortless saving

    Easily save leftover funds before your next salary/benefit payment.

  • Build good saving habits

    Start small with monthly deposits and gradually you can also set targets for yourself.

  • Chance to win £50 in our Quarterly prize draw

    Every quarter, members who meet the minimum balance requirement are entered into our £50 prize draw – a rewarding way to stay motivated while building savings

  • Open to all members 18+

    Open to all members who are 18+ giving everyone the chance to begin their savings journey.

  • Simple, secure & protected

    Your savings are safeguarded under the Financial Services Compensation Scheme (FSCS) up to £85000 in case of any unexpected financial troubles.

  • Online services

    Easy to manage your account through our user-friendly Acorn App.

Core information

  • Terms & Conditions

    Only available to members of Acorn Community Bank.

    Flexible and multiple deposits and withdrawals allowed.

    A member currently having a loan in arrears is not eligible to open a Surplus Saver.

    Only one account can be opened per member throughout their membership.

    Members will have to build the required savings balance before the deadline to be entered in the prize draw.

  • Product Features

    Available to all Acorn members 18 years and over.

    Account can be opened by completing a form or can be requested in branch / over call / email.

    Account can be managed via our online Acorn App.

    All savings are protected under the FSCS scheme.

    Members who build a savings balance of at least £300 by 15th June 2025 will be automatically entered into our quarterly prize draw for a chance to win £50.

    The winner will be announced by the end of June 2025.

    Dividend when declared will be paid directly into this account.

  • Product Information

    Account allows flexible deposits. Simply transfer any leftover funds and watch your savings grow.

    Deposits can be made via standing order, bank transfer or benefits deductions.

    No withdrawals restrictions apply.

    This account is eligible for dividend payment when declared.

To open a Surplus Saver, you must be an existing member of Acorn Community Bank. If you are already a member, please complete the form below to open the Acorn Saver.

 

Get started

Why save with Acorn?

At Acorn, we prioritise building financial stability for all our members through regular saving.

  • Your savings are ethically invested and directly support your local community.
  • FSCS guarantee means your savings enjoy protection up to £85000.
  • When Acorn makes a profit, your savings earn dividends.
  • By saving you build a relationship with us, making it easier to access loans when needed.
  • You can conveniently receive benefits like Child Benefit, Universal Credit, or PIP into your account, simplifying your income all under one place.
  • Our app and online services give you easy access to your funds.

Start saving with Acorn Community Bank today, contribute to your financial stability and support your local community.

If you’re looking for extra financial support beyond your savings or need help managing unexpected expenses or planned costs, explore our ethical and affordable loan options.

To learn more about how Acorn Community Bank supports you on your journey to financial well-being, explore our Support Area.

Deposits

To make a deposit into your Surplus Saver, simply set up a standing order or make a bank transfer. If your CHB comes directly to us, you can request deductions from there directly via email. Below are the details you will need:

Account Name:
Wiltshire and Swindon Credit Union Ltd (Trading as Acorn Community Bank)

Account Number:
04242184

Sort Code:
30-97-41

 

Please make sure that your payment has a bank reference ‘Surplus 1234’, (1234 being your Acorn membership number)

If you are not already a member, join Acorn Community Bank today and start saving. 

If this is not quite the savings option for your financial needs. Visit our main savings page to explore options tailored to suit you. If you’d like to discuss your needs, our friendly team is here to help—just email us at office@acorncb.co.uk.

    Apply for Surplus Saver

    If you’re not already a member

    Join and save

    App download

    Managing your finances should be simple and accessible. Our user-friendly Acorn mobile app puts you in control.

    1. Easy account management:
    You can access and manage your account from the comfort of your home. Check your savings balance and transfer money between your savings account on the go.

    2. Quick withdrawal:
    Online withdrawal requests made via the app are processed faster than traditional phone or paper requests.

    3. Enhanced security:
    The Acorn app is equipped with PIN protection, ensuring your information remains safe and secure.

    With the Acorn App, you can enjoy a convenient and secure way to manage your savings and take control of your finances. Download the Acorn app today and experience the convenience of banking at your fingertips.

    Download app