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Fixed term bonds – available online only

UTB 6 Month Bond – 1.95% Gross / 1.96% AER

Summary Box

UTB 6 Month Bond – 1.95% Gross / 1.96% AER

What is the interest rate?:
– 1.95% Gross / 1.96% AER.
– Interest 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.
– Interest is calculated daily using the cleared balance of the account.

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?
£5,048.51. The UTB 6 Month bond pays interest on maturity. 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 £5,000.00 per account.
– The maximum deposit is £1 million 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. 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.

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?
No. Withdrawals, transfers or closures are not permitted before the maturity date. Interest may be withdrawn upon maturity.

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.

UTB 9 Month Bond – 2.00% Gross/AER

Summary Box

UTB 9 Month Bond – 2.00% Gross/AER

What is the interest rate?:
– 2.00% Gross/AER.
– Interest 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.
– Interest is calculated daily using the cleared balance of the account.

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 9 months based on a £5,000 deposit?
£5,074.81. The UTB 9 Month bond pays interest on maturity. 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 £5,000.00 per account.
– The maximum deposit is £1 million 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. 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.

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?
No. Withdrawals, transfers or closures are not permitted before the maturity date. Interest may be withdrawn upon maturity.

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.

UTB 1 Year Bond – 2.80% Gross/AER

Summary Box

UTB 1 Year Bond – 2.80% Gross/AER

What is the interest rate?:
– 2.80% Gross/AER.
– Interest 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.
– Interest is calculated daily using the cleared balance of the account.

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 1 Year based on a £5,000 deposit?
£5,140.00. The UTB 1 Year Bond pays interest on maturity. 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 £5,000.00 per account.
– The maximum deposit is £1 million 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. 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.

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?
No. Withdrawals, transfers or closures are not permitted before the maturity date. Interest may be withdrawn annually on the anniversary.

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.

UTB 15 Month Bond – 2.95% Gross/AER

Summary Box

UTB 15 Month Bond – 2.95% Gross/AER

What is the interest rate?:
– 2.95% 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.
– Interest is calculated daily using the cleared balance of the account.

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?
£5,185.05. The UTB 15 Month bond pays interest annually. 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 £5,000.00 per account.
– The maximum deposit is £1 million 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. 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.

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?
No. Withdrawals, transfers or closures are not permitted before the maturity date. Interest may be withdrawn annually on the anniversary.

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.

UTB 2 Year Bond – 3.15% Gross/AER

Summary Box

UTB 2 Year Bond – 3.15% Gross/AER

What is the interest rate?
– 3.15% 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.
– Interest is calculated daily using the cleared balance of the account.

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?
£5,319.96. The UTB 2 Year Bond pays interest annually. 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 £5,000.00 per account.
– The maximum deposit is £1 million 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. 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 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 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?
No. Withdrawals, transfers or closures are not permitted before the maturity date. Interest may be withdrawn annually on the anniversary.

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.

UTB 3 Year Bond – 3.25% Gross/AER

Summary Box

UTB 3 Year Bond – 3.25% Gross/AER

What is the interest rate?:
– 3.25% 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.
– Interest is calculated daily using the cleared balance of the account.

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?
£5,503.52. The UTB 3 Year bond pays interest annually. 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 £5,000.00 per account.
– The maximum deposit is £1 million 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. 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 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 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?
No. Withdrawals, transfers or closures are not permitted before the maturity date. Interest may be withdrawn annually on the anniversary.

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.

UTB 4 Year Bond – 3.30% Gross/AER

Summary Box

UTB 4 Year Bond – 3.30% Gross/AER

What is the interest rate?:
– 3.30% 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.
– Interest is calculated daily using the cleared balance of the account.

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?
£5,693.39. The UTB 4 Year bond pays interest annually. 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 £5,000.00 per account.
– The maximum deposit is £1 million 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. 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 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 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?
No. Withdrawals, transfers or closures are not permitted before the maturity date. Interest may be withdrawn annually on the anniversary.

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.

UTB 5 Year Bond – 3.45% Gross/AER

Summary Box

UTB 5 Year Bond – 3.45% Gross/AER

What is the interest rate?:
– 3.45% 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.
– Interest is calculated daily using the cleared balance of the account.

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?
£5,924.10. The UTB 5 Year bond pays interest annually. 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 £5,000.00 per account.
– The maximum deposit is £1 million 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. 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 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 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?
No. Withdrawals, transfers or closures are not permitted before the maturity date. Interest may be withdrawn annually on the anniversary.

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.

How much interest could I earn?

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u003ch3u003eApply onlineu003c/h3u003ernApply for any of our personal savings accounts online u003ca href=u0022https://www.utbankdeposits.co.uk/deposits-application-portal/start.aspxu0022u003ehereu003c/au003e.

u003ch3u003eTerms and Conditionsu003c/h3u003ernBefore you apply for a savings account, please u003ca href=u0022https://www.utbank.co.uk/deposits/terms-and-conditionsu0022u003ereadu003c/au003e our Terms u0026amp; Conditions.

u003ch3u003eProduct guideu003c/h3u003ernu003ca href=u0022https://www.utbank.co.uk/deposits/personal/personal-product-guide/u0022u003eDownloadu003c/au003e a product guide for our personal savings accounts.

u003ch3u003eImportant informationu003c/h3u003ernHelp with verifying your identity, updating your marketing preferences and other useful information u003ca href=u0022https://www.utbank.co.uk/deposits/important-infou0022u003ehereu003c/au003e.

u003ch3u003eExisting customersu003c/h3u003ernIf you have a savings account with UTB you can find our help section and downloadable forms u003ca href=u0022https://www.utbank.co.uk/deposits-help/existing-customers/u0022u003ehereu003c/au003e.

u003ch3u003eHow can we help?u003c/h3u003ernu003ca href=u0022https://www.utbank.co.uk/deposits-help/personal-help/u0022u003eVisitu003c/au003e our help section where you can find our FAQs and ways to contact us.