An easy access account provides you with more flexibility with your funds compared to a fixed rate bond or notice account, since you can withdraw your funds at any time, rather than waiting for your term or notice period to expire. They can be suitable for those customers with lots of different needs for their savings, helping you to achieve various financial goals.

Due to their flexibility and convenience, easy access accounts offer a variable rate of interest, which means your interest rate can go up or down.

Existing customers can open easy access accounts by logging in to their online banking and following the steps under ‘New Application’. If you have not yet signed up, you can register your details here.

For new customers, please visit our main site to open your easy access account.

If you are an online banking user, simply login to your account, select the relevant easy access account and then choose the option ‘Make a Withdrawal’. You then just need to enter the amount you wish to withdraw and choose the date you would like the funds sent to you. Please note, to keep the account open you must have a balance of at least £5,000 left after the withdrawal.

Should you submit your withdrawal request by 5pm on a business day, the funds should reach your Nominated Bank Account on the same business day. Requests made after 5pm on a business day, or on a day that is not a business day, will be processed on the next business day.

If you make your withdrawal request in writing via post or by email and it is received by 2pm on a business day, the funds should reach your Nominated Bank Account on the same business day. Requests received after 2pm, or on a day that is not a business day, will be processed on the next business day.

For joint accounts or businesses and charities, the request must follow the signing rules and be received by the above respective times to be processed on the same day.

If you are not yet an online banking user, you can register your details here.

For more details, please see Sections E1.6 and E1.7 of our Terms and Conditions.

The nature of an easy access account means you can deposit funds at any time, as with one of our notice accounts, up to the maximum deposit of £100,000.00.

You must have met the minimum balance requirement of £5,000.00 within 14 days of opening your easy access account.

The easiest way to add funds to your account is by electronic bank transfer, and please ensure the funds are sent from your nominated bank account. You will just need to quote your United Trust Bank sort code and account number when making your payment.

The maximum amount you can deposit in an easy access account is £100,000.

The same limit applies to our bonus easy access account.

You are only allowed to open one easy access account, up to the maximum value of £100,000.

For our business and charity customers, you can also open a bonus easy access account alongside a regular easy access account, but can only have one of each, up to the maximum value of £100,000 per account.

The interest rate on our easy access accounts is variable. To find out the current rate on your account, please login to your online banking and choose the account in question under the ‘Accounts’ page.

If you are not yet registered for online banking, you can sign up here.

Yes. The interest rate on our easy access accounts is variable. We will contact you when the rate changes on your account.

Statements are sent annually after interest is applied on 31 October each year.

Should you prefer more frequent statements, please send us a secure message via your online banking login or call us on 020 7190 5599 or freephone 0800 083 2228 between 9am and 5pm, Monday to Friday.

If you wish to switch from an easy access account to a fixed term bond, please login to your online banking and open your new desired account via the ‘New Application’ option. When you have done this, please send us a secure message to request the transfer, and make sure you confirm the amount you want moved across.

For our charity customers, please send us a secure message via your online banking with details of the new account you would like to open, and we will arrange the transfer for you.

Should you wish to keep the easy access account open, you will need to leave at least £5,000 in the balance.

A bonus easy access account is like our standard easy access accounts, only you receive an additional introductory rate for the first six months.

The bonus easy access account is currently only available for our business and charity customers.

The bonus easy access account includes an introductory interest rate for the first six months, which is higher than the rate offered on our standard easy access accounts. More information can be found in the Key Features Document here.

The bonus easy access account is currently only available for our business and charity customers.

Existing business customers can open a bonus easy access account by logging in to their online banking and following the steps under ‘New Application’. For our charity customers, please log in and send us a secure message via the Contact Centre, and we will open the account for you. If you have not yet signed up for online banking, you can register your details here.

For new customers, please visit our main site to open your bonus easy access account.

Yes, the interest rate on our bonus easy access account is a tracker rate, so it may change in line with Bank of England base rate changes – even if you are within the bonus period. We will contact you if your rate changes.

Please rest assured that the bonus will still apply to your account as any rate change will impact both the introductory rate and the regular rate, meaning you will still be on a higher rate compared to any bonus easy access account that has been open for more than six months.

Any change will be applied to your account within three days of the Bank of England base rate change.

The nature of an easy access account means you can deposit funds at any time, up to the maximum deposit of £100,000.

You must have met the minimum balance requirement of £5,000 within 14 days of opening your bonus easy access account.

The easiest way to add funds to your account is by electronic bank transfer, and please ensure the funds are sent from your nominated bank account. You will just need to quote your United Trust Bank sort code and account number when making your payment.

Interest is calculated daily and is credited on 31 October each year, and at the point of closing your account.

The bonus period begins the day you open your account. The quicker you can fund your account, the more you’ll take advantage of this bonus.

The bonus period will end six months after your bonus easy access account was opened.

After six months, the introductory rate on your account will no longer apply. We will contact you to confirm the rate change and that the bonus period has come to an end. More information can be found in the Key Features Document here.

Should you wish to withdraw your funds and close your account after the bonus period ends, simply log in to your online banking, select the relevant easy access account and then choose the option ‘Make a Withdrawal’. You then need to select that you wish to close your account.

Please see How do I withdraw funds? for more information.

Yes. The introductory rate begins the moment your account is opened, so even if you decide to withdraw funds from or close your account within the first six months, you will still receive the higher rate for the duration your account was open.