We understand ISA savings accounts

Accounts for individuals. Transfer an ISA from
another provider or use your ISA allowance for the year.
Manage your savings online using our Online Banking Service.

Scroll down
Scroll down

Fixed Term Cash ISA Bonds

Cash ISA 3 Year Bond – 1.35% Gross/AER

Summary Box

Cash ISA 3 Year Bond – 1.35% Gross/AER

What is the interest rate?:
– 1.35% Gross/AER.
– Interest paid annually.
– 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. Interest is calculated daily using the cleared balance of the account.

What would the estimated balance be after 3 Years based on a £15,000 deposit?
£15,615.74. The Cash ISA 3 Year Bond pays interest annually. In this example the interest has been compounded. The projection is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
You can open our ISA accounts by post, by completing an application form which can be obtained from our website www.utbank.co.uk. We accept current year subscription and transfers in from existing ISA providers.

To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The minimum deposit is £15,000.00 per account and can be made up of new subscriptions and a transfer in from an existing provider.
– 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 account holder.
– You can manage your account(s) by online banking, phone, email or post.

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 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.

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 a penalty charge. Interest may be withdrawn annually on the anniversary date.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– 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.

Cash ISA 4 Year Bond – 1.40% Gross/AER

Summary Box

Cash ISA 4 Year Bond – 1.40% Gross/AER

What is the interest rate?:
– 1.40% Gross/AER.
– Interest paid annually.
– 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. Interest is calculated daily using the cleared balance of the account.

What would the estimated balance be after 4 Years based on a £15,000 deposit?
£15,857.81. The Cash ISA 4 Year Bond pays interest annually. In this example the interest has been compounded. The projection is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
You can open our ISA accounts by post, by completing an application form which can be obtained from our website www.utbank.co.uk. We accept current year subscription and transfers in from existing ISA providers.

To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The minimum deposit is £15,000.00 per account and can be made up of new subscriptions and a transfer in from an existing provider.
– 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 account holder.
– You can manage your account(s) by online banking, phone, email or post.

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 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.

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 a penalty charge. Interest may be withdrawn annually on the anniversary date.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– 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.

Cash ISA 5 Year Bond – 1.70% Gross/AER

Summary Box

Cash ISA 5 Year Bond – 1.70% Gross/AER

What is the interest rate?:
– 1.70% Gross/AER.
– Interest paid annually.
– 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. Interest is calculated daily using the cleared balance of the account.

What would the estimated balance be after 5 Years based on a £15,000 deposit?
£16,319.09. The Cash ISA 5 Year Bond pays interest annually. In this example the interest has been compounded. The projection is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
You can open our ISA accounts by post, by completing an application form which can be obtained from our website www.utbank.co.uk. We accept current year subscription and transfers in from existing ISA providers.

To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The minimum deposit is £15,000.00 per account and can be made up of new subscriptions and a transfer in from an existing provider.
– 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 account holder.
– You can manage your account(s) by online banking, phone, email or post.

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 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.

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 a penalty charge. Interest may be withdrawn annually on the anniversary date.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– 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.

Cash ISA 7 Year Bond – 1.75% Gross/AER

Summary Box

Cash ISA 7 Year Bond – 1.75% Gross/AER

What is the interest rate?:
– 1.75% Gross/AER.
– Interest paid annually.
– 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. Interest is calculated daily using the cleared balance of the account.

What would the estimated balance be after 7 Years based on a £15,000 deposit?
£16,936.83. The Cash ISA 7 Year Bond pays interest annually. In this example the interest has been compounded. The projection is for illustrative purposes only and does not take into account individual circumstances.

How do I open and manage my account?
You can open our ISA accounts by post, by completing an application form which can be obtained from our website www.utbank.co.uk. We accept current year subscription and transfers in from existing ISA providers.

To open an account:
– You need to be 18 or over and permanently reside in the United Kingdom.
– The minimum deposit is £15,000.00 per account and can be made up of new subscriptions and a transfer in from an existing provider.
– 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 account holder.
– You can manage your account(s) by online banking, phone, email or post.

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 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.

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 a penalty charge. Interest may be withdrawn annually on the anniversary date.

Additional information
– Opening the account is subject to our Terms and Conditions.
– Offers can be withdrawn at any time.
– 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.

Apply for an account

Apply for an ISA savings account here.

 

Terms and Conditions

Before you apply for a savings account, please read our Terms & Conditions.

Product guide

Download a product guide for our ISA savings accounts.

Important information

Help with verifying your identity, updating your marketing preferences and other useful information here.

Existing customers

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

How can we help?

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