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Transparency

Our 100% Donation Policy Explained

Published by HBSMWA · 12 July 2026 · 5 min read

Short Answer

No administration fees are deducted from your donation. 100% of what you give is allocated to the project you choose — and giving by direct bank transfer means even payment-processing fees disappear, so every penny arrives whole.

HBSMWA distributing donated food supplies directly to families in Pakistan

When you give £100 for a water well, how much well does £100 actually buy? At many large organisations, a slice of every gift funds overheads — salaries, offices, marketing. That model can be legitimate, but it is not ours. HBSMWA operates a 100% donation policy: the amount you donate is the amount your chosen cause receives.

What the Policy Means

How We Cover Running Costs

Every organisation has costs — the honest question is who pays them. At HBSMWA they are covered separately from designated donations, and kept deliberately small: no large offices, no layers of management, a short chain from donor to beneficiary under the direct supervision of our founder, Hafiz Abdul Qadir. Supporters who wish to help specifically with running costs can tell us, and their contribution is used exactly there.

The One Fee We Can't Waive — and How You Can

Honesty requires this caveat: when you pay by card or online gateway, the processor takes its cut before the money ever reaches any charity — ours included. That is why we encourage direct bank transfer: zero processing fees, so the full amount lands in the charity account. Our bank details page has the accounts for Pakistan and international donors; send us your receipt afterwards and we allocate the gift to your chosen cause.

Trust, Then Verify

A policy is words; proof is photographs. Wells carry donor name plaques and completion photos. Ration and flood distributions are documented. Sponsors receive reports on their child. Browse our completed projects, and test us against our own 7-point checklist for trustworthy charities — we wrote it expecting to be measured by it.

Give 100%. We Deliver 100%.

Choose your cause — every penny of your donation reaches it, with photo proof.

Frequently Asked Questions

What is a 100% donation policy?

It means the charity does not deduct administration fees from your donation: the full amount you give is allocated to the project you chose — a well, a ration pack, an orphan's care. HBSMWA's operating costs are covered separately, not from your designated gift.

Does 100% of my donation really reach the cause?

Yes — HBSMWA allocates the full donated amount to your chosen project. The one thing outside any charity's control is third-party payment processing: card gateways charge their own fees before money arrives. A direct bank transfer avoids this entirely, which is why we recommend it.

How does a charity survive without taking admin fees?

Operating costs are funded separately from designated donations — through supporters who give specifically towards running costs and the organisation's own arrangements. Keeping HBSMWA lean, with a short chain between donor and beneficiary under the founder's direct supervision, keeps those costs small.

Does the 100% policy apply to Zakat?

Yes — and Zakat gets stricter treatment on top: it is kept in a separate fund and distributed only to verified recipients from the eight eligible categories, never spent on buildings or administration.

How do I make sure the maximum reaches the needy?

Give by direct bank transfer where possible — zero processing fees, so every rupee or pound arrives whole. Our bank details page lists the accounts; after transferring, send us your receipt so we can allocate your gift to your chosen cause.