What is the interest rate?
4.10% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually on 31st October, and at the point of closing your account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A4.3 – A4.5 (inclusive) of our Terms and Conditions for further information.

What would the estimated balance be after 12 months based on a £5,000 deposit?
£5,205.00.

This assumes the interest rate does not change and assumes that no withdrawals are made during the first year.

The projections provided are for illustrative purposes only and do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Charities either need to be registered with the UK Charity Commissions or fall under the status of excepted or exempt.
– You can open our Charity accounts by completing an application form which can be obtained from our website www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the Charity.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
Yes, to access your funds you must provide UTB with 40 days notice for a withdrawal.

The account holder may make one penalty-free withdrawal, without notice, per 12 month period of up to 20% of the balance of the account. Please see clause A5.11 of our Terms and Conditions for further information.

Notice can be given by email or using the contact form on our website. Please state the name of the Charity, account number, amount of withdrawal and confirmation of the nominated bank account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Charity accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
4.30% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually on 31st October, and at the point of closing your account.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A4.3 – A4.5 (inclusive) of our Terms and Conditions for further information.

What would the estimated balance be after 12 months based on a £5,000 deposit?
£5,215.00.

This assumes the interest rate does not change and assumes that no withdrawals are made during the first year.

The projections provided are for illustrative purposes only and do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Charities either need to be registered with the UK Charity Commissions or fall under the status of excepted or exempt.
– You can open our Charity accounts by completing an application form which can be obtained from our website www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the Charity.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
Yes, to access your funds you must provide UTB with 100 days notice for a withdrawal.

The account holder may make one penalty-free withdrawal, without notice, per 12 month period of up to 20% of the balance of the account. Please see clause A5.11 of our Terms and Conditions for further information.

Notice can be given by email or using the contact form on our website. Please state the name of the Charity, account number, amount of withdrawal and confirmation of the nominated bank account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Charity accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
5.00% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually on 31st October, and at the point of closing your account.

The interest rate tracks the Bank of England Base Rate, currently 5.00%, for the duration of the account being open.

To access and monitor the Bank of England Bank Rate visit www.bankofengland.co.uk

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause B1.4 of our Terms and Conditions for further information.

This will happen within three days following a Bank of England Bank Rate change. We will notify you of an interest rate change by letter or email as well as publishing this on our website.

What would the estimated balance be after 12 months based on a £5,000 deposit?
£5,250.00.

The projection assumes that the Bank of England Base Rate is 5.00% and does not take into account fluctuation to the Bank of England Base Rate, or withdrawals or deposits made into the account.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Charities either need to be registered with the UK Charity Commissions or fall under the status of excepted or exempt.
– You can open our Charity accounts by completing an application form which can be obtained from our website www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– A Nominated Bank Account must be provided when applying for an account. The Nominated Bank Account must be a transactional UK Bank account where electronic payments can be made and received. The Nominated Account must be in the name of the Charity.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

How to place notice on an account:
– Appropriate notice must be given on all withdrawals in writing.
– Please state the name of the Charity, account number, amount of withdrawal, confirmation of the nominated bank account and signature.

Can I withdraw money?
Yes, to access your funds you must provide UTB with 180 days notice for a withdrawal.

The account holder may make one penalty-free withdrawal, without notice, per 12 month period of up to 20% of the balance of the account. Please see clause A5.11 of our Terms and Conditions for further information.

Notice can be given by email or using the contact form on our website. Please state the name of the Charity, account number, amount of withdrawal and confirmation of the nominated bank account.

Additional information
– The Bank of England Base Rate is currently 5.00%.
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Charity accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
5.00% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually on 31st October, and at the point of closing your account.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A4.3 – A4.5 (inclusive) of our Terms and Conditions for further information.

What would the estimated balance be after 12 months based on a £5,000 deposit?
£5,250.00.

This assumes the interest rate does not change and assumes that no withdrawals are made during the first year.

The projections provided are for illustrative purposes only and do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Charities either need to be registered with the UK Charity Commissions or fall under the status of excepted or exempt.
– You can open our Charity accounts by completing an application form which can be obtained from our website www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the Charity.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
Yes, to access your funds you must provide UTB with 200 days notice for a withdrawal.

The account holder may make one penalty-free withdrawal, without notice, per 12 month period of up to 20% of the balance of the account. Please see clause A5.11 of our Terms and Conditions for further information.

Notice can be given by email or using the contact form on our website. Please state the name of the Charity, account number, amount of withdrawal and confirmation of the nominated bank account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Charity accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
4.10% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually on 31st October, and at the point of closing your account.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A4.3 – A4.5 (inclusive) of our Terms and Conditions for further information.

What would the estimated balance be after 12 months? The following projections are based on an initial deposit of £5,000.00:
£5,205.00. This assumes the interest rate does not change and assumes that no withdrawals or deposits are made during the first year. The projections provided are for illustrative purposes only and do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Your business must be either a limited company, sole trader, education provider, club, society, trust, credit union or pension fund.
– You can open our Business accounts by either post, via an application form, or via online our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
Yes, to access your funds you must provide UTB with 40 days notice for a withdrawal.

Notice can be given by email or using the contact form on our website. Please state the name of the business, account number, amount of withdrawal and confirmation of the nominated bank account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
4.25% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually on 31st October, and at the point of closing your account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A4.3 – A4.5 (inclusive) of our Terms and Conditions for further information.

What would the estimated balance be after 12 months? The following projections are based on an initial deposit of £5,000.00:
£5,212.50. This assumes the interest rate does not change and assumes that no withdrawals or deposits are made during the first year. The projections provided are for illustrative purposes only and do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
-Your business must be either a limited company, sole trader, education provider, club, society, trust, credit union or pension fund.
– You can open our Business accounts by either post, via an application form, or via online our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
Yes, to access your funds you must provide UTB with 100 days notice for a withdrawal.

Notice can be given by email or using the contact form on our website. Please state the name of the business, account number, amount of withdrawal and confirmation of the nominated bank account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
5.00% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually on 31st October, and at the point of closing your account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A4.3 – A4.5 (inclusive) of our Terms and Conditions for further information.

What would the estimated balance be after 12 months? The following projections are based on an initial deposit of £5,000.00:
£5,250.00. This assumes the interest rate does not change and assumes that no withdrawals or deposits are made during the first year. The projections provided are for illustrative purposes only and do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
-Your business must be either a limited company, sole trader, education provider, club, society, trust, credit union or pension fund.
– You can open our Business accounts by either post, via an application form, or via online our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
Yes, to access your funds you must provide UTB with 200 days notice for a withdrawal.

Notice can be given by email or using the contact form on our website. Please state the name of the business, account number, amount of withdrawal and confirmation of the nominated bank account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
5.00% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually on 31st October, and at the point of closing your account.

The interest rate tracks the Bank of England Base Rate, currently 5.00%, for the duration of the account being open.

To access and monitor the Bank of England Bank Rate visit www.bankofengland.co.uk

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause B1.4 of our Terms and Conditions for further information.

This will happen within three days following a Bank of England Bank Rate change. We will notify you of an interest rate change by letter or email as well as publishing this on our website.

What would the estimated balance be after 12 months based on a deposit of £5,000?:
£5,250.00.

The projection assumes that the Bank of England Base Rate is 5.00% and does not take into account fluctuation to the Bank of England Base Rate, or withdrawals or deposits made into the account.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You can open our Business accounts by either post, via an application form, or online our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
Yes, to access your funds you must provide UTB with 180 days notice for a withdrawal.

Notice can be given by email or using the contact form on our website. Please state the name of the business, account number, amount of withdrawal and confirmation of the nominated bank account.

Additional information
– The Bank of England Base Rate is currently 5.00%.
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Offers can be withdrawn at any time.

Interest is paid Gross i.e. without the deduction of tax.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
5.00% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually on 31st October, and at the point of closing your account.

The interest rate tracks the Bank of England Base Rate, currently 5.00%, for the duration of the account being open.

To access and monitor the Bank of England Bank Rate visit www.bankofengland.co.uk

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause B1.4 of our Terms and Conditions for further information.

This will happen within three days following a Bank of England Bank Rate change. We will notify you of an interest rate change by letter or email as well as publishing this on our website.

What would the estimated balance be after 12 months based on a deposit of £5,000?:
£5,250.00.

The projection assumes that the Bank of England Base Rate is 5.00% and does not take into account fluctuation to the Bank of England Base Rate, or withdrawals or deposits made into the account.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You can open our Business accounts by either post, via an application form, or online our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
Yes, to access your funds you must provide UTB with 180 days notice for a withdrawal.

Notice can be given by email or using the contact form on our website. Please state the name of the business, account number, amount of withdrawal and confirmation of the nominated bank account.

Additional information
– The Bank of England Base Rate is currently 5.00%.
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Offers can be withdrawn at any time.

Interest is paid Gross i.e. without the deduction of tax.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
4.10% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually on 31st October, and at the point of closing your account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A4.3 – A4.5 (inclusive) of our Terms and Conditions for further information.

What would the estimated balance be after 12 months based on a £5,000 deposit?
£5,205.00.

This assumes the interest rate does not change and assumes that no withdrawals are made during the first year.

The projections provided are for illustrative purposes only and do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Charities needs to be registered with the UK Charity Commissions (either Scottish or English).
– You can open our Charity accounts by either post, via an application form, or online our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the Charity.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
Yes, to access your funds you must provide UTB with 40 days notice for a withdrawal.

The account holder may make one penalty-free withdrawal, without notice, per 12 month period of up to 20% of the balance of the account. Please see clause A5.11 of our Terms and Conditions for further information.

Notice can be given by email or using the contact form on our website. Please state the name of the Charity, account number, amount of withdrawal and confirmation of the nominated bank account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Charity accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
4.25% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually on 31st October, and at the point of closing your account.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A4.3 – A4.5 (inclusive) of our Terms and Conditions for further information.

What would the estimated balance be after 12 months based on a £5,000 deposit?
£5,212.50.

This assumes the interest rate does not change and assumes that no withdrawals are made during the first year.

The projections provided are for illustrative purposes only and do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Charities needs to be registered with the UK Charity Commissions (either Scottish or English).
– You can open our Charity accounts by either post, via an application form, or online our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the Charity.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
Yes, to access your funds you must provide UTB with 100 days notice for a withdrawal.

The account holder may make one penalty-free withdrawal, without notice, per 12 month period of up to 20% of the balance of the account. Please see clause A5.11 of our Terms and Conditions for further information.

Notice can be given by email or using the contact form on our website. Please state the name of the Charity, account number, amount of withdrawal and confirmation of the nominated bank account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Charity accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
5.00% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually on 31st October, and at the point of closing your account.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A4.3 – A4.5 (inclusive) of our Terms and Conditions for further information.

What would the estimated balance be after 12 months based on a £5,000 deposit?
£5,250.00.

This assumes the interest rate does not change and assumes that no withdrawals are made during the first year.

The projections provided are for illustrative purposes only and do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Charities needs to be registered with the UK Charity Commissions (either Scottish or English).
– You can open our Charity accounts by either post, via an application form, or online our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the Charity.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
Yes, to access your funds you must provide UTB with 200 days notice for a withdrawal.

The account holder may make one penalty-free withdrawal, without notice, per 12 month period of up to 20% of the balance of the account. Please see clause A5.11 of our Terms and Conditions for further information.

Notice can be given by email or using the contact form on our website. Please state the name of the Charity, account number, amount of withdrawal and confirmation of the nominated bank account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Charity accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
4.60% Gross/AER* – On all balances between £5,000.00 – £9,999.99.

4.70% Gross/AER* – On all balances £10,000.00 and above.

The interest is calculated daily using the cleared balance of the account and paid annually on 31^st October.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A4.3 – A4.5 (inclusive) of our Terms and Conditions for further information.

What would the estimated balance be after 12  months based on two example deposit amounts?

This assumes the interest rate does not change and no withdrawals or deposits are made during the year. The projections provided are for illustrative purposes only and do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
Yes, however 30 days’ notice is required for any withdrawals or closure.

Notice can be given by email or using the contact form on our website. Please state your name, account number, amount of withdrawal, and confirmation of the nominated bank account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross ie. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
4.65% Gross/AER* – On all balances between £5,000.00 – £9,999.99.

4.75% Gross/AER* –  On the full balance, for balances of £10,000 and above.

The interest is calculated daily using the cleared balance of the account and paid annually on 31^st October, and at the point of closing your account.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A4.3 – A4.5 (inclusive) of our Terms and Conditions for further information.

What would the estimated balance be after 12  months based on two example deposit amounts?

This assumes the interest rate does not change and no withdrawals or deposits are made during the year. The projections provided are for illustrative purposes only and do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
Yes, however 30 days’ notice is required for any withdrawals or closure.

Notice can be given by email or using the contact form on our website. Please state your name, account number, amount of withdrawal, and confirmation of the nominated bank account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross ie. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
– 5.20% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually on 31^st October.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A4.3 – A4.5 (inclusive) of our Terms and Conditions for further information.

What would the estimated balance be after 12 months based on a £5,000 deposit?
£5,260.00. This assumes the interest rate does not change and no withdrawals or deposits are made during the year. The projections provided are for illustrative purposes only and do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
Yes, however 100 days’ notice is required for any withdrawals or closure.

Notice can be given by email or using the contact form on our website. Please state your name, account number, amount of withdrawal, and confirmation of the nominated bank account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross ie. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
– 5.40% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually on 31st October, and at the point of closing your account.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A4.3 – A4.5 (inclusive) of our Terms and Conditions for further information.

What would the estimated balance be after 12 months based on a £5,000 deposit?
£5,270.00. This assumes the interest rate does not change and no withdrawals or deposits are made during the year. The projections provided are for illustrative purposes only and do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
Yes, however 100 days’ notice is required for any withdrawals or closure.

Notice can be given by email or using the contact form on our website. Please state your name, account number, amount of withdrawal, and confirmation of the nominated bank account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross ie. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
– 5.50% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually on 31^st October.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A4.3 – A4.5 (inclusive) of our Terms and Conditions for further information.

What would the estimated balance be after 12 months based on a £5,000 deposit?
£5,275.00. This assumes the interest rate does not change and no withdrawals or deposits are made during the year. The projections provided are for illustrative purposes only and do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
Yes, however 200 days’ notice is required for any withdrawals or closure.

Notice can be given by email or using the contact form on our website. Please state your name, account number, amount of withdrawal, and confirmation of the nominated bank account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross ie. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
– 5.58% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually on 31st October, and at the point of closing your account.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A4.3 – A4.5 (inclusive) of our Terms and Conditions for further information.

What would the estimated balance be after 12 months based on a £5,000 deposit?
£5,279.00. This assumes the interest rate does not change and no withdrawals or deposits are made during the year. The projections provided are for illustrative purposes only and do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
Yes, however 200 days’ notice is required for any withdrawals or closure.

Notice can be given by email or using the contact form on our website. Please state your name, account number, amount of withdrawal, and confirmation of the nominated bank account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross ie. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
– 5.00% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually on 31st October.

The interest rate tracks the Bank of England Base Rate, currently 5.00%, for the duration of the account being open.

To access and monitor the Bank of England Base Rate visit www.bankofengland.co.uk

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause B1.4 of our Terms and Conditions for further information.

This will happen within three days following a Bank of England Base Rate change. We will notify you of an interest rate change by letter or email as well as publishing this on our website.

What would the estimated balance be after 12 months based on a £5,000 deposit?
£5,250.00.

The projection assumes that the Bank of England Base Rate is 5.00% and does not take into account fluctuation to the Bank of England Base Rate, or withdrawals or deposits made into the account.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
Yes, however 180 days’ notice is required for any withdrawals or closure.

Notice can be given by email or using the contact form on our website. Please state your name, account number, amount of withdrawal, and confirmation of the nominated bank account.

Additional information
– The Bank of England Base Rate is currently 5.00%.
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
– 5.00% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually on 31st October, and at the point of closing your account.

The interest rate tracks the Bank of England Base Rate, currently 5.00%, for the duration of the account being open.

To access and monitor the Bank of England Base Rate visit www.bankofengland.co.uk

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause B1.4 of our Terms and Conditions for further information.

This will happen within three days following a Bank of England Base Rate change. We will notify you of an interest rate change by letter or email as well as publishing this on our website.

What would the estimated balance be after 12 months based on a £5,000 deposit?
£5,250.00.

The projection assumes that the Bank of England Base Rate is 5.00% and does not take into account fluctuation to the Bank of England Base Rate, or withdrawals or deposits made into the account.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
Yes, however 180 days’ notice is required for any withdrawals or closure.

Notice can be given by email or using the contact form on our website. Please state your name, account number, amount of withdrawal, and confirmation of the nominated bank account.

Additional information
– The Bank of England Base Rate is currently 5.00%.
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
4.10% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually on 31st October, and at the point of closing your account.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A4.3 – A4.5 (inclusive) of our Terms and Conditions for further information.

What would the estimated balance be after 12 months? The following projections are based on an initial deposit of £5,000.00:
£5,205.00. This assumes the interest rate does not change and assumes that no withdrawals or deposits are made during the first year. The projections provided are for illustrative purposes only and do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Your business must be either a limited company, sole trader, education provider, club, society, trust, credit union or pension fund.
– You can open our Business accounts by either post, via an application form, or via online our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
Yes, to access your funds you must provide UTB with 40 days notice for a withdrawal.

Notice can be given by email or using the contact form on our website. Please state the name of the business, account number, amount of withdrawal and confirmation of the nominated bank account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
4.30% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually on 31st October, and at the point of closing your account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A4.3 – A4.5 (inclusive) of our Terms and Conditions for further information.

What would the estimated balance be after 12 months? The following projections are based on an initial deposit of £5,000.00:
£5,215.00. This assumes the interest rate does not change and assumes that no withdrawals or deposits are made during the first year. The projections provided are for illustrative purposes only and do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
-Your business must be either a limited company, sole trader, education provider, club, society, trust, credit union or pension fund.
– You can open our Business accounts by either post, via an application form, or via online our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
Yes, to access your funds you must provide UTB with 100 days notice for a withdrawal.

Notice can be given by email or using the contact form on our website. Please state the name of the business, account number, amount of withdrawal and confirmation of the nominated bank account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
5.00% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually on 31st October, and at the point of closing your account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A4.3 – A4.5 (inclusive) of our Terms and Conditions for further information.

What would the estimated balance be after 12 months? The following projections are based on an initial deposit of £5,000.00:
£5,250.00. This assumes the interest rate does not change and assumes that no withdrawals or deposits are made during the first year. The projections provided are for illustrative purposes only and do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
-Your business must be either a limited company, sole trader, education provider, club, society, trust, credit union or pension fund.
– You can open our Business accounts by either post, via an application form, or via online our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
Yes, to access your funds you must provide UTB with 200 days notice for a withdrawal.

Notice can be given by email or using the contact form on our website. Please state the name of the business, account number, amount of withdrawal and confirmation of the nominated bank account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.45% Gross / 4.52% AER.*

The interest is calculated daily using the cleared balance of the account and paid on maturity.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 3 months based on a £5,000 deposit?
£5,054.72. The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Charities either need to be registered with the UK Charity Commissions or fall under the status of excepted or exempt.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– You can open our Charity accounts by completing an application form which can be obtained from our website www.utbank.co.uk
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the Charity.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Charity accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.45% Gross / 4.50% AER.*

The interest is calculated daily using the cleared balance of the account and paid on maturity.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 6 months based on a £5,000 deposit?
£5,110.04. The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Charities either need to be registered with the UK Charity Commissions or fall under the status of excepted or exempt.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– You can open our Charity accounts by completing an application form which can be obtained from our website www.utbank.co.uk
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the Charity.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Charity accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.65% Gross/AER.*

The interest is calculated daily using the cleared balance of the account and paid on maturity.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 12 months based on a £5,000 deposit?
£5,232.50. The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Charities either need to be registered with the UK Charity Commissions or fall under the status of excepted or exempt.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– You can open our Charity accounts by completing an application form which can be obtained from our website www.utbank.co.uk
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the Charity.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Charity accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.30% Gross/AER.*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 2 years based on a £5,000 deposit?
£5,439.25.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances

How do I open and manage my account?
To open an account:
– Charities either need to be registered with the UK Charity Commissions or fall under the status of excepted or exempt.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– You can open our Charity accounts by completing an application form which can be obtained from our website www.utbank.co.uk
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the Charity.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Charity accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.05% Gross/AER.*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 3 years based on a £5,000 deposit?
£5,632.44.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Charities either need to be registered with the UK Charity Commissions or fall under the status of excepted or exempt.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– You can open our Charity accounts by completing an application form which can be obtained from our website www.utbank.co.uk
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the Charity.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Charity accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
4.45% tax-free/AER* (Fixed)

The interest is calculated daily using the cleared balance of the account and paid on maturity.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Tax-free means the interest paid will be free from UK Income Tax and Capital Gains Tax.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 12 months based on a £5,000 deposit?
£5,222.50.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– You can open this account with a minimum of £5,000. We accept current year subscriptions (currently £20,000 for tax year 2024/2025) and transfer in from existing ISA providers for previous year’s subscriptions up to the maximum of £1 million.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
Withdrawals from our fixed term ISA Bonds (including transfers to other providers) prior to the agreed maturity date are subject to an early withdrawal charge.

Interest may be withdrawn annually on the anniversary date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a holding account at the banks prevailing rate of interest.

Transfer requests will be actioned within 15 days of receipt of the instructions from your new ISA provider.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– ISAs are a tax free product which do not impact your Personal Savings Allowance. The favourable tax treatment may not be maintained. It is the Government that is responsible for setting the tax treatment. If you are not happy with your ISA, there is a 14 day cooling off period.
– The tax treatment described depends on individual circumstances and the tax treatment of ISAs could change in the future.

Need some help with our ISA accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
4.46% tax-free/AER* (Fixed) *

The interest is calculated daily using the cleared balance of the account and paid on maturity.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 12 months based on a £5,000 deposit?
£5,223.00.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– You can open this account with a minimum of £5,000. We accept current year subscriptions (currently £20,000 for tax year 2024/2025) and transfer in from existing ISA providers for previous year’s subscriptions up to the maximum of £1 million.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
Withdrawals from our fixed term ISA Bonds (including transfers to other providers) prior to the agreed maturity date are subject to an early withdrawal charge.

Interest may be withdrawn annually on the anniversary date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a holding account at the banks prevailing rate of interest.

Transfer requests will be actioned within 15 days of receipt of the instructions from your new ISA provider.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– ISAs are a tax free product which do not impact your Personal Savings Allowance. The favourable tax treatment may not be maintained. It is the Government that is responsible for setting the tax treatment. If you are not happy with your ISA, there is a 14 day cooling off period.
– The tax treatment described depends on individual circumstances and the tax treatment of ISAs could change in the future.

Need some help with our ISA accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
4.30% tax-free/AER* (Fixed)

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Tax-free means the interest paid will be free from UK Income Tax and Capital Gains Tax.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 2 years based on a £5,000 deposit?
£5,439.25.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– You can open this account with a minimum of £5,000. We accept current year subscriptions (currently £20,000 for tax year 2024/2025) and transfer in from existing ISA providers for previous year’s subscriptions up to the maximum of £1 million.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
Withdrawals from our fixed term ISA Bonds (including transfers to other providers) prior to the agreed maturity date are subject to an early withdrawal charge.

Interest may be withdrawn annually on the anniversary date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a holding account at the banks prevailing rate of interest.

Transfer requests will be actioned within 15 days of receipt of the instructions from your new ISA provider.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– ISAs are a tax free product which do not impact your Personal Savings Allowance. The favourable tax treatment may not be maintained. It is the Government that is responsible for setting the tax treatment. If you are not happy with your ISA, there is a 14 day cooling off period.
– The tax treatment described depends on individual circumstances and the tax treatment of ISAs could change in the future.

Need some help with our ISA accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
4.31% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 2 years based on a £5,000 deposit?
£5,440.29.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– You can open this account with a minimum of £5,000. We accept current year subscriptions (currently £20,000 for tax year 2024/2025) and transfer in from existing ISA providers for previous year’s subscriptions up to the maximum of £1 million.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
Withdrawals from our fixed term ISA Bonds (including transfers to other providers) prior to the agreed maturity date are subject to an early withdrawal charge.

Interest may be withdrawn annually on the anniversary date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a holding account at the banks prevailing rate of interest.

Transfer requests will be actioned within 15 days of receipt of the instructions from your new ISA provider.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– ISAs are a tax free product which do not impact your Personal Savings Allowance. The favourable tax treatment may not be maintained. It is the Government that is responsible for setting the tax treatment. If you are not happy with your ISA, there is a 14 day cooling off period.
– The tax treatment described depends on individual circumstances and the tax treatment of ISAs could change in the future.

Need some help with our ISA accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
4.30% tax-free/AER* (Fixed) *

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 3 years based on a £5,000 deposit?
£5,673.13.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– You can open this account with a minimum of £5,000. We accept current year subscriptions (currently £20,000 for tax year 2024/2025) and transfer in from existing ISA providers for previous year’s subscriptions up to the maximum of £1 million.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
Withdrawals from our fixed term ISA Bonds (including transfers to other providers) prior to the agreed maturity date are subject to an early withdrawal charge.

Interest may be withdrawn annually on the anniversary date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a holding account at the banks prevailing rate of interest.

Transfer requests will be actioned within 15 days of receipt of the instructions from your new ISA provider.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– ISAs are a tax free product which do not impact your Personal Savings Allowance. The favourable tax treatment may not be maintained. It is the Government that is responsible for setting the tax treatment. If you are not happy with your ISA, there is a 14 day cooling off period.
– The tax treatment described depends on individual circumstances and the tax treatment of ISAs could change in the future.

Need some help with our ISA accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
4.28% tax-free/AER* (Fixed)

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Tax-free means the interest paid will be free from UK Income Tax and Capital Gains Tax.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 3 years based on a £5,000 deposit?
£5,669.87.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– You can open this account with a minimum of £5,000. We accept current year subscriptions (currently £20,000 for tax year 2024/2025) and transfer in from existing ISA providers for previous year’s subscriptions up to the maximum of £1 million.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
Withdrawals from our fixed term ISA Bonds (including transfers to other providers) prior to the agreed maturity date are subject to an early withdrawal charge.

Interest may be withdrawn annually on the anniversary date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a holding account at the banks prevailing rate of interest.

Transfer requests will be actioned within 15 days of receipt of the instructions from your new ISA provider.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– ISAs are a tax free product which do not impact your Personal Savings Allowance. The favourable tax treatment may not be maintained. It is the Government that is responsible for setting the tax treatment. If you are not happy with your ISA, there is a 14 day cooling off period.
– The tax treatment described depends on individual circumstances and the tax treatment of ISAs could change in the future.

Need some help with our ISA accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
4.06% tax-free/AER* (Fixed)*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 4 years based on a £5,000 deposit?
£5,862.80.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– You can open this account with a minimum of £5,000. We accept current year subscriptions (currently £20,000 for tax year 2024/2025) and transfer in from existing ISA providers for previous year’s subscriptions up to the maximum of £1 million.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
Withdrawals from our fixed term ISA Bonds (including transfers to other providers) prior to the agreed maturity date are subject to an early withdrawal charge.

Interest may be withdrawn annually on the anniversary date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a holding account at the banks prevailing rate of interest.

Transfer requests will be actioned within 15 days of receipt of the instructions from your new ISA provider.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– ISAs are a tax free product which do not impact your Personal Savings Allowance. The favourable tax treatment may not be maintained. It is the Government that is responsible for setting the tax treatment. If you are not happy with your ISA, there is a 14 day cooling off period.
– The tax treatment described depends on individual circumstances and the tax treatment of ISAs could change in the future.

Need some help with our ISA accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
4.05% tax-free/AER* (Fixed)

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Tax-free means the interest paid will be free from UK Income Tax and Capital Gains Tax.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 4 years based on a £5,000 deposit?
£5,860.55.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– You can open this account with a minimum of £5,000. We accept current year subscriptions (currently £20,000 for tax year 2024/2025) and transfer in from existing ISA providers for previous year’s subscriptions up to the maximum of £1 million.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
Withdrawals from our fixed term ISA Bonds (including transfers to other providers) prior to the agreed maturity date are subject to an early withdrawal charge.

Interest may be withdrawn annually on the anniversary date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a holding account at the banks prevailing rate of interest.

Transfer requests will be actioned within 15 days of receipt of the instructions from your new ISA provider.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– ISAs are a tax free product which do not impact your Personal Savings Allowance. The favourable tax treatment may not be maintained. It is the Government that is responsible for setting the tax treatment. If you are not happy with your ISA, there is a 14 day cooling off period.
– The tax treatment described depends on individual circumstances and the tax treatment of ISAs could change in the future.

Need some help with our ISA accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
4.12% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 5 years based on a £5,000 deposit?
£6,118.44.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– You can open this account with a minimum of £5,000. We accept current year subscriptions (currently £20,000 for tax year 2024/2025) and transfer in from existing ISA providers for previous year’s subscriptions up to the maximum of £1 million.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
Withdrawals from our fixed term ISA Bonds (including transfers to other providers) prior to the agreed maturity date are subject to an early withdrawal charge.

Interest may be withdrawn annually on the anniversary date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a holding account at the banks prevailing rate of interest.

Transfer requests will be actioned within 15 days of receipt of the instructions from your new ISA provider.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– ISAs are a tax free product which do not impact your Personal Savings Allowance. The favourable tax treatment may not be maintained. It is the Government that is responsible for setting the tax treatment. If you are not happy with your ISA, there is a 14 day cooling off period.
– The tax treatment described depends on individual circumstances and the tax treatment of ISAs could change in the future.

Need some help with our ISA accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
4.11% Gross/AER

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Tax-free means the interest paid will be free from UK Income Tax and Capital Gains Tax.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 5 years based on a £5,000 deposit?
£6,115.50.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– You can open this account with a minimum of £5,000. We accept current year subscriptions (currently £20,000 for tax year 2024/2025) and transfer in from existing ISA providers for previous year’s subscriptions up to the maximum of £1 million.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
Withdrawals from our fixed term ISA Bonds (including transfers to other providers) prior to the agreed maturity date are subject to an early withdrawal charge.

Interest may be withdrawn annually on the anniversary date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a holding account at the banks prevailing rate of interest.

Transfer requests will be actioned within 15 days of receipt of the instructions from your new ISA provider.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– ISAs are a tax free product which do not impact your Personal Savings Allowance. The favourable tax treatment may not be maintained. It is the Government that is responsible for setting the tax treatment. If you are not happy with your ISA, there is a 14 day cooling off period.
– The tax treatment described depends on individual circumstances and the tax treatment of ISAs could change in the future.

Need some help with our ISA accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
3.66% tax-free/AER* (Fixed) *

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 7 years based on a £5,000 deposit?
£6,430.55.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– You can open this account with a minimum of £5,000. We accept current year subscriptions (currently £20,000 for tax year 2024/2025) and transfer in from existing ISA providers for previous year’s subscriptions up to the maximum of £1 million.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
Withdrawals from our fixed term ISA Bonds (including transfers to other providers) prior to the agreed maturity date are subject to an early withdrawal charge.

Interest may be withdrawn annually on the anniversary date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a holding account at the banks prevailing rate of interest.

Transfer requests will be actioned within 15 days of receipt of the instructions from your new ISA provider.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– ISAs are a tax free product which do not impact your Personal Savings Allowance. The favourable tax treatment may not be maintained. It is the Government that is responsible for setting the tax treatment. If you are not happy with your ISA, there is a 14 day cooling off period.
– The tax treatment described depends on individual circumstances and the tax treatment of ISAs could change in the future.

Need some help with our ISA accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
3.65% tax-free/AER* (Fixed)

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Tax-free means the interest paid will be free from UK Income Tax and Capital Gains Tax.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 7 years based on a £5,000 deposit?
£6,426.21.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– You can open this account with a minimum of £5,000. We accept current year subscriptions (currently £20,000 for tax year 2024/2025) and transfer in from existing ISA providers for previous year’s subscriptions up to the maximum of £1 million.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
Withdrawals from our fixed term ISA Bonds (including transfers to other providers) prior to the agreed maturity date are subject to an early withdrawal charge.

Interest may be withdrawn annually on the anniversary date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a holding account at the banks prevailing rate of interest.

Transfer requests will be actioned within 15 days of receipt of the instructions from your new ISA provider.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– ISAs are a tax free product which do not impact your Personal Savings Allowance. The favourable tax treatment may not be maintained. It is the Government that is responsible for setting the tax treatment. If you are not happy with your ISA, there is a 14 day cooling off period.
– The tax treatment described depends on individual circumstances and the tax treatment of ISAs could change in the future.

Need some help with our ISA accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.46% Gross / 4.54% AER*

The interest is calculated daily using the cleared balance of the account and paid on maturity.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 3 months based on a £5,000 deposit?
£5,054.84.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Your business must be either a Limited company, Sole trader, Education provider, Club, Society, Trust, Credit union or Pension fund.
– You can open our Business accounts by either post, via an application form, or online via our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.45% Gross / 4.52% AER*

The interest is calculated daily using the cleared balance of the account and paid on maturity.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 3 months based on a £5,000 deposit?
£5,054.72.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Your business must be either a Limited company, Sole trader, Education provider, Club, Society, Trust, Credit union or Pension fund.
– You can open our Business accounts by either post, via an application form, or online via our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.46% Gross / 4.51% AER*

The interest is calculated daily using the cleared balance of the account and paid on maturity.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 6 months based on a £5,000 deposit?
£5,110.28.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Your business must be either a Limited company, Sole trader, Education provider, Club, Society, Trust, Credit union or Pension fund.
– You can open our Business accounts by either post, via an application form, or online via our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.45% Gross / 4.50% AER*

The interest is calculated daily using the cleared balance of the account and paid on maturity.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 6 months based on a £5,000 deposit?
£5,110.04.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Your business must be either a Limited company, Sole trader, Education provider, Club, Society, Trust, Credit union or Pension fund.
– You can open our Business accounts by either post, via an application form, or online via our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.66% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid on maturity.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 12 months based on a £5,000 deposit?
£5,233.00.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Your business must be either a Limited company, Sole trader, Education provider, Club, Society, Trust, Credit union or Pension fund.
– You can open our Business accounts by either post, via an application form, or online via our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.65% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid on maturity.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 12 months based on a £5,000 deposit?
£5,232.50.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Your business must be either a Limited company, Sole trader, Education provider, Club, Society, Trust, Credit union or Pension fund.
– You can open our Business accounts by either post, via an application form, or online via our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.66% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to your nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 15 months based on a £5,000 deposit?
£5,292.93.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Your business must be either a Limited company, Sole trader, Education provider, Club, Society, Trust, Credit union or Pension fund.
– You can open our Business accounts by either post, via an application form, or online via our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.65% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to your nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 15 months based on a £5,000 deposit?
£5,292.30.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Your business must be either a Limited company, Sole trader, Education provider, Club, Society, Trust, Credit union or Pension fund.
– You can open our Business accounts by either post, via an application form, or online via our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.46% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to your nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 18 months based on a £5,000 deposit?
£5,338.20.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Your business must be either a Limited company, Sole trader, Education provider, Club, Society, Trust, Credit union or Pension fund.
– You can open our Business accounts by either post, via an application form, or online via our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.45% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to your nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 18 months based on a £5,000 deposit?
£5,337.44.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Your business must be either a Limited company, Sole trader, Education provider, Club, Society, Trust, Credit union or Pension fund.
– You can open our Business accounts by either post, via an application form, or online via our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.31% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 2 years based on a £5,000 deposit?
£5,440.29.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Your business must be either a Limited company, Sole trader, Education provider, Club, Society, Trust, Credit union or Pension fund.
– You can open our Business accounts by either post, via an application form, or online via our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.30% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 2 years based on a £5,000 deposit?
£5,439.25.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Your business must be either a Limited company, Sole trader, Education provider, Club, Society, Trust, Credit union or Pension fund.
– You can open our Business accounts by either post, via an application form, or online via our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.11% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 5 years based on a £5,000 deposit?
£6,115.50.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Your business must be either a Limited company, Sole trader, Education provider, Club, Society, Trust, Credit union or Pension fund.
– You can open our Business accounts by either post, via an application form, or online via our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.11% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 3 years based on a £5,000 deposit?
£5,642.19.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Your business must be either a Limited company, Sole trader, Education provider, Club, Society, Trust, Credit union or Pension fund.
– You can open our Business accounts by either post, via an application form, or online via our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.10% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 5 years based on a £5,000 deposit?
£6,112.57.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Your business must be either a Limited company, Sole trader, Education provider, Club, Society, Trust, Credit union or Pension fund.
– You can open our Business accounts by either post, via an application form, or online via our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.10% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 3 years based on a £5,000 deposit?
£5,640.56.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Your business must be either a Limited company, Sole trader, Education provider, Club, Society, Trust, Credit union or Pension fund.
– You can open our Business accounts by either post, via an application form, or online via our website, www.utbank.co.uk.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £5m per account.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the business.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.46% Gross / 4.54% AER.*

The interest is calculated daily using the cleared balance of the account and paid on maturity.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 3 months based on a £5,000 deposit?
£5,054.84. The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Charities either need to be registered with the UK Charity Commissions or fall under the status of excepted or exempt.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our Charity accounts by completing an application form which can be obtained from our website www.utbank.co.uk
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the Charity.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Charity accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.46% Gross / 4.51% AER.*

The interest is calculated daily using the cleared balance of the account and paid on maturity.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 6 months based on a £5,000 deposit?
£5,110.28. The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Charities either need to be registered with the UK Charity Commissions or fall under the status of excepted or exempt.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our Charity accounts by completing an application form which can be obtained from our website www.utbank.co.uk
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the Charity.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Charity accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.66% Gross/AER.*

The interest is calculated daily using the cleared balance of the account and paid on maturity.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 12 months based on a £5,000 deposit?
£5,233.00. The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Charities either need to be registered with the UK Charity Commissions or fall under the status of excepted or exempt.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our Charity accounts by completing an application form which can be obtained from our website www.utbank.co.uk
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the Charity.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Charity accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.31% Gross/AER.*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 2 years based on a £5,000 deposit?
£5,440.29.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances

How do I open and manage my account?
To open an account:
– Charities either need to be registered with the UK Charity Commissions or fall under the status of excepted or exempt.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our Charity accounts by completing an application form which can be obtained from our website www.utbank.co.uk
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the Charity.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Charity accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.06% Gross/AER.*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 3 years based on a £5,000 deposit?
£5,634.06.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– Charities either need to be registered with the UK Charity Commissions or fall under the status of excepted or exempt.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our Charity accounts by completing an application form which can be obtained from our website www.utbank.co.uk
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in the name of the Charity.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Charity accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
– 4.66% Gross / 4.71% AER*

The interest is calculated daily using the cleared balance of the account and paid on maturity.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 6 months based on a £5,000 deposit?
£5,115.17.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?

To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
– 4.65% Gross / 4.70% AER*

The interest is calculated daily using the cleared balance of the account and paid on maturity.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 6 months based on a £5,000 deposit?
£5,114.93.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
– 4.66% Gross / 4.68% AER*

The interest is calculated daily using the cleared balance of the account and paid on maturity.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 6 months based on a £5,000 deposit?
£5,173.75.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
– 4.65% Gross / 4.67% AER*

The interest is calculated daily using the cleared balance of the account and paid on maturity.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 6 months based on a £5,000 deposit?
£5,173.38.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
– 4.66% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid on maturity.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 12 months based on a £5,000 deposit?
£5,233.00.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
– 4.65% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid on maturity.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 12 months based on a £5,000 deposit?
£5,232.50.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.66% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to your nominated bank account.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 15 months based on a £5,000 deposit?
£5,292.93.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
4.60% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid on maturity.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 18 months based on a £5,000 deposit?
£5,348.94.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
– 4.65% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to your nominated bank account.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 15 months based on a £5,000 deposit?
£5,292.30.

The projection provided is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
– 4.62% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 2 Years based on a £5,000 deposit?
£5,472.67.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
– 1.00% Gross/AER
– Interest is calculated daily and credited annually on 31 October.
– AER means Annual Equivalent Rate and is designed to make it easier for you to compare savings products. It tells you how much interest you’d earn if you put some money in an account and left it there for a full year. It takes account of things like how often the interest is paid and assumes any interest paid during that year is added to the balance and earns interest i.e. compounded.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A27 of our Terms and Conditions for further information.

What would the estimated balance be after 2 Years based on a £5,000 deposit?
Business Easy Access Savings Account £5,105.00. The projection assumes that the interest rate does not change, no withdrawals or further deposits are made during the first year and that interest has been compounded. The projection provided is for illustrative purposes only and does not take into account individual circumstances

How do I open and manage my account?

To open an account:
– You can open our Business accounts either by post, via an application form, or online on our website, www.utbank.co.uk.
– The minimum deposit is £5,000 per account.
– The maximum deposit is £250,000 per account.
– A Nominated Bank Account must be provided when applying for an account. The Nominated Bank Account must be a
transactional UK Bank account where electronic payments can be made and received. The Nominated Account must be in the name of the Business.
– A Nominated Bank Account must be provided when applying for an account. The Nominated Bank Account must be a transactional UK Bank account where electronic payments can be made and received. The Nominated Account must be in the name of the Business.
– You have 14 days after submitting your application to fund your account. Funds need to be sent from your Nominated Account and can be made either electronically or by cheque. If it is not funded at the end of 14 days we will close the account.
– You can make unlimited additional deposits, subject to the account maximum balance.

How to make a withdrawal:
To notify of a withdrawal this must either be:
– Made in writing and can be given to us by letter (to the postal address outlined above in the General Terms and Conditions) stating:
– Your name, address, account number and including your signature(s); and
– The amount that you would like to withdraw. Funds will be paid to your Nominated Bank Account automatically; or
– Made through the online banking service.

What happens at maturity?
– We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.
– You can ask us to repay your funds or reinvest some or all of it into one or more new accounts.
– If you ask us to repay your money we will do this by sending an electronic payment to your Nominated Account.
– If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will make a full repayment electronically to your Nominated Account.

Can I withdraw money?
Yes. Funds will be sent to your Nominated Bank Account upon withdrawal request.

If we receive a withdrawal request before 2.00pm on a business day then the withdrawal will be processed and the funds should be received into the Nominated Bank Account on the same business day.

If we receive a withdrawal request after 2.00pm on a business day or on a day that is not a business day, then it will be deemed to have been received on the next business day and the funds should be received into the Nominated Bank Account on that business day (i.e. the next business day after the withdrawal request was received).

There are no restrictions on withdrawals, subject to maintaining the minimum account balance.

Additional information

– Opening the account is subject to our Terms and Conditions. Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax Treatment depends on individual circumstances and could change in the future.

Need some help with our Business accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
– 1.00% Gross/AER
– Interest is calculated daily and credited annually on 31 October.
– AER means Annual Equivalent Rate and is designed to make it easier for you to compare savings products. It tells you how much interest you’d earn if you put some money in an account and left it there for a full year. It takes account of things like how often the interest is paid and assumes any interest paid during that year is added to the balance and earns interest i.e. compounded.

Can United Trust Bank change the interest rate?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A27 of our Terms and Conditions for further information.

What would the estimated balance be after 2 Years based on a £5,000 deposit?
UTB Easy Access Savings Account £5,105.00. The projection assumes that the interest rate does not change, no withdrawals or further deposits are made during the first year and that interest has been compounded. The projection provided is for illustrative purposes only and does not take into account individual circumstances

How do I open and manage my account?

To open an account:
• You need to be 18 or over and permanently reside in the United Kingdom. The account can be held jointly by up to two people.
• The minimum deposit is £5,000 per account.
• The maximum deposit is £250,000 per account.
• You can only open our Easy Access account online at our website, www.utbank.co.uk.
• A Nominated Bank Account must be provided when applying for an account. The Nominated Bank Account must be a transactional UK Bank account where electronic payments can be made and received. The Nominated Account must be in your name, or if applying for a Joint account, the Nominated Bank account must be in at least one of the names of the account holders.
• You have 14 days after submitting your application to fund your account. Funds need to be sent from your Nominated Account and can be made either electronically or you can send a cheque. If it is not funded at the end of 14 days we will close the account.
• You can make unlimited additional deposits, subject to the account maximum balance.

How to make a withdrawal:
To notify of a withdrawal this must either be:
• Made in writing and can be given to us by letter (to the postal address outlined above in the General Terms and Conditions) stating:
• Your name, address, account number and including your signature(s); and
• The amount that you would like to withdraw. Funds will be paid to your Nominated Bank Account automatically; or
• Made through the online banking service.

What happens at maturity?
– We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.
– You can ask us to repay your funds or reinvest some or all of it into one or more new accounts.
– If you ask us to repay your money we will do this by sending an electronic payment to your Nominated Account.
– If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will make a full repayment electronically to your Nominated Account.

Can I withdraw money?
Yes. Funds will be sent to your Nominated Bank Account upon withdrawal request.

If we receive a withdrawal request before 2.00pm on a business day then the withdrawal will be processed and the funds should be received into the Nominated Bank Account on the same business day.

If we receive a withdrawal request after 2.00pm on a business day or on a day that is not a business day, then it will be deemed to have been received on the next business day and the funds should be received into the Nominated Bank Account on that business day (i.e. the next business day after the withdrawal request was received).

There are no restrictions on withdrawals, subject to maintaining the minimum account balance.

Additional information

– Opening the account is subject to our Terms and Conditions. Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax Treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?
– 4.61% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 2 Years based on a £5,000 deposit?
£5,471.63.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
– 4.53% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can selected to have the annual interest either added to your account or transferred to you nominated bank account.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 3 Years based on a £5,000 deposit?
£5,710.75.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
– 4.52% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 3 Years based on a £5,000 deposit?
£5,709.11.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
– 4.29% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 4 Years based on a £5,000 deposit?
£5,914.81.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
– 4.28% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 4 Years based on a £5,000 deposit?
£5,912.54.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
– 4.31% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 5 Years based on a £5,000 deposit?
£6,174.47.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

What is the interest rate?:
– 4.30% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank account.

*AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Can United Trust Bank change the interest rate?
No. The interest rate is fixed for the term of the bond.

What would the estimated balance be after 5 Years based on a £5,000 deposit?
£6,171.51.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections do not take into account individual circumstances.

How do I open and manage my account?
To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The account can be held jointly by up to two people.
– The minimum balance is £5,000.00 per account.
– The maximum balance is £1m per account.
– You can open our personal accounts online at our website, www.utbank.co.uk.
– A Nominated Bank Account must be provided when applying for an account. This must be a transactional UK Bank account, and must be in your name.
– You have 14 days after submitting your application to fund your account, which needs to be sent from your Nominated Account either electronically or a cheque. If it is not funded within the 14 days we will close the account.

To manage the account:
– You can communicate and manage your account via our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

If we do not receive an instruction from you we will reinvest your funds into a seven day instant access account at the banks’ prevailing rate for such accounts. Following a maximum of four, seven day renewals, we will then make a full repayment electronically to your Nominated Account.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– Interest is paid Gross i.e. without the deduction of tax.
– Tax treatment depends on individual circumstances and could change in the future.

Need some help with our Personal accounts?
Here you can find answers to our most common questions. If you still cannot find what you are looking for, please use the contact us form within our ‘How can we help’ section.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.