Call us : +44 1992 718 162, +44 7950 616 696, +44 7943 749 001, +44 7950 757 944
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Your money is safe with us

OBCT Money Management

We deliver a professional and friendly environment for our clients with the service that is tailored to each client’s needs and at the same time we adhere to the legal framework regulating appointees.



O”-Bay Community Trust is an independent organisation as such there are no when we act as an independent appointee. We create and improve by changing the existing state of affairs in many areas of the country when it comes to delivering up-to-date appointeeship service for vulnerable people.

Download Our Referral Form

We have our own secure banking platform that enables us to open individual bank accounts in the name of our clients which will enable us to manage our client’s financial needs quickly, effectively and efficiently.

Appointeeship is not specifically covered by the Mental Capacity Act 2005; in the everyday delivery of our appointeeship service we follow its five underlying principles whenever it is reasonably practicable. We promote, protect and ensure our clients’ rights in respect of the United Nations Convention on the Rights of Persons with Disabilities (CRPD).

Our appointeeship services are well planned in order to provide our clients with choice about their everyday matters. Our service will match the appropriate level of support that can be delivered with flexibility and autonomy. Our service will be tailored to each client.

Our appointeeship clients will be protected by the appointee security bond. The security bond will protect the financial assets of the vulnerable adults that we support. Our appointee security bond is underwritten by one of the leading experts in the field and their details are available upon request for your verification.

What Does the Service Cost?

We charge a fixed monthly fee for services that are community based and reasonable for clients that reside in nursing or care homes or who are currently hospitalised. We also charge a one-off set up fees.
There are some other associated costs in the delivery of our appointeeship service which are charged by our banking partner and passed on to our clients, these are:

  • An annual bank account charge based on going rate which will be debited automatically by the bank from each account annually.
  • Each account comes with a prepaid card and additional cards cost are charged to cover the cost of issuing and maintenance. Cards are automatically renewed every two years
  • If the prepaid Credit Card are used to withdraw cash from ATM machines a standard operational cost is charged to your account for administration.

Our services provide flexible ways to meet our clients’ welfare benefit needs and money management services requirements. We support the carers and support workers who are part of their care. Our experience in appointeeship provides the appropriate level of help and intervention that is required on a client by client basis. Our managers will provide general financial support. They can adopt a formal role where safeguarding issues are concerned.

We have Independent Social Workers who can provide additional support for our clients. Our social worker partners are able to support our team and our clients with a variety of tasks. Our ability to call on this resource is of great assistance to local authority social workers and support workers by enabling teams to pool resources and experience to work together in the best interest of client as it will also be the best outcome for the client.

Client Outcomes

We are a local partner to the Department of Work and Pensions (DWP). Our role is to receive our clients’ benefit payments. We help vulnerable adults to pay their bills such as telephone bills, energy bills, day centre fees, rent, care contributions, food purchasing etc. and other bill payments.

We deliver a professional and friendly environment for our clients with the service that is tailored to each client and at the same time we adhere to the legal framework regulating appointees.

Our Client Managers are the hub of contact between the client and their wider care team regarding their financial matters and as they regularly liaise with a number of people and organisations such as care support staff, family members, local authority safeguarding teams, utility companies and the various DWP benefits departments.

Making A Referral

O”-Bay Community Trust works with many professionals, local authorities, private and voluntary organisations that refer clients to our team.

Our everyday money management services enable carers, social workers and other professionals to provide their clients with a trusted, independent money management service that has client outcomes and wellbeing at the core of our work.

To assist professionals and other people who make referrals we have made the process user friendly with three referral options.

1. You can make an online referral by Clicking Here
2. You can send an email to to request for our referral forms, if you are unable to download it via our website link. Download Our Referral Form
3. You can call our referrals team on 01992 718 162, 07950 616 696, +44 7943 749 001, +44 7950 757 944, +44 771 148 299 and we will be happy to discuss your clients circumstances.