Once you have decided which account you would like to open, simply click on the ‘Apply’ button in the Summary Box window for that account and complete the application form online. You can also follow this link to head directly to the application form.

An ISA (Individual Savings Account) is a savings account where the interest payments are tax free. This means your money could grow faster than in an account paying the same rate of interest which doesn’t have the same tax benefits. Interest from ISAs does not count towards your Personal Savings Allowance.

You can only subscribe to one cash ISA in each tax year (6 April to 5 April).

The Government sets the maximum amount that can be saved in an ISA in any tax year – you can find details of this year’s ISA allowance on the HMRC website. The annual allowance can be split across a Cash ISA, Stocks and Shares ISA, Innovative Finance ISA and Lifetime ISA, if you wish. The minimum balance for an ISA with United Trust Bank is £5,000.

Our ISA products are similar to our standard Fixed Term Bonds in that you can choose a term that has a fixed interest rate for a fixed period of time.

No, we do not accept Additional Permitted Subscriptions (APS).

The Government sets the maximum amount that can be saved in an ISA in any tax year – you can find details of this year’s ISA allowance on the HMRC website. The annual allowance can be split across a Cash ISA, Stocks and Shares ISA, Innovative Finance ISA and Lifetime ISA, if you wish.

We only accept Cash ISA transfers from existing providers, not Stocks and Shares ISA transfers.

However, if you have a Stocks and Shares ISA that you have converted into cash, we can accept the transfer.

Yes, you can. You will need to complete the online application form and enter the details of each provider separately.

Yes, we can accept partial ISA transfers, provided they are from a previous tax year. If you are transferring funds from the current tax year, you must transfer the full balance.

No. You only have to apply with us. When we receive your transfer request, we will contact your current ISA provider to arrange for the funds to be sent to us.

ISA transfers can take up to 15 working days, but it’s usually done sooner.

If you wish to transfer your United Trust Bank ISA to another provider, please contact them to arrange the transfer. They will get in touch with us with details of the request.

Please note, if you transfer your ISA before your account reaches maturity, you may be subject to an early withdrawal charge.