Existing Customers

Exclusive rates for our existing Charity Notice Savings Account customers,
including preferential rates for our fixed rate bonds.

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Notice Accounts

Charity 40 day Notice Account Issue 1 – 4.10% Gross/AER

Summary Box

Charity 40 day Notice Account Issue 1 – 4.10% Gross/AER

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 £1m 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.

Charity 100 day Notice Account Issue 1 – 4.25% Gross/AER

Summary Box

Charity 100 day Notice Account Issue 1 – 4.25% Gross/AER

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 £1m 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.

Charity 200 day Notice Account – 5.00% Gross/AER

Summary Box

Charity 200 day Notice Account – 5.00% Gross/AER

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 £1m 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.

Tracker Accounts

Charity 180d Notice Base Rate Tracker – 5.25% Gross/AER

Summary Box

Charity 180d Notice Base Rate Tracker – 5.25% Gross/AER

What is the interest rate?:
5.25% 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.

The interest rate tracks the Bank of England Base Rate, currently 5.25%, 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?
£.

The projection assumes that the Bank of England Base Rate is 5.25% 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 needs to be registered with the UK Charity Commissions (either Scottish or English)
– 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. 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 5.25%.
– 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.

Apply online

Apply for any of our personal savings accounts online here.

Funding your account

If you need help or find out how to fund your account please visit our FAQ’s here.

How can we help?

Visit our help section where you can find our FAQs and ways to contact us.

FSCS

The Financial Services Compensation Scheme (FSCS) is an independent scheme that protects some of your deposits.

Existing customers

If you have a savings account with UTB you can find our help section and downloadable forms here.

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