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Personal Notice Accounts

UTB 40 Day Notice Issue 2 – 1.50% Gross/AER

Summary Box

UTB 40 Day Notice Issue 2 – 1.50% Gross/AER

What is the interest rate?
– 1.50% Gross/AER
– Interest paid annually on the 31st October.
– 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?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A27 of our Terms and Conditions for further information.

What would the estimated balance be after 1 year? The following projections are based on an initial deposit of £5,000.00:
£5,075.00. These projections 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:
– 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.

How to place notice on an account:
– Notice can be given by email or using the contact form on our website.
– Please state your name, account number, amount of withdrawal, confirmation of the nominated bank account.

Can I withdraw money?
40 days’ notice is required for withdrawals.

Additional information
– Opening the account is subject to our Terms and Conditions. Offers can be withdrawn at any time.
– Interest is paid Gross
– Tax treatment depends on individual circumstances and could change in the future.
– Balances that fall below £5,000.00 will cease to attract interest.

UTB 100 Day Notice Issue 3 – 1.85% Gross/AER

Summary Box

UTB 100 Day Notice Issue 3 – 1.85% Gross/AER

What is the interest rate?
– 1.85% Gross/AER
– Interest paid annually on the 31st October.
– 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?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A27 of our Terms and Conditions for further information.

What would the estimated balance be after 1 year? The following projections are based on an initial deposit of £5,000.00:
£5,092.50. These projections 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:
– 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.

How to place notice on an account:
– Notice can be given by email or using the contact form on our website.
– Please state your name, account number, amount of withdrawal, confirmation of the nominated bank account.

Can I withdraw money?
100 days’ notice is required for withdrawals.

Additional information
– Opening the account is subject to our Terms and Conditions. Offers can be withdrawn at any time.
– Interest is paid Gross
– Tax treatment depends on individual circumstances and could change in the future.
– Balances that fall below £5,000.00 will cease to attract interest.

UTB 200 Day Notice Issue 2 – 2.00% Gross/AER

Summary Box

UTB 200 Day Notice Issue 2 – 2.00% Gross/AER

What is the interest rate?
– 2.00% Gross/AER
– Interest paid annually on the 31st October.
– 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?
Yes. The interest rate is variable and can therefore move up and down. Please see clause A27 of our Terms and Conditions for further information.

What would the estimated balance be after 1 year? The following projections are based on an initial deposit of £5,000.00:
£5,100.00. These projections 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:
– 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.

How to place notice on an account:
– Notice can be given by email or using the contact form on our website.
– Please state your name, account number, amount of withdrawal, confirmation of the nominated bank account.

Can I withdraw money?
UTB 200d Notice Account 200 days’ notice is required for withdrawals

Additional information
– Opening the account is subject to our Terms and Conditions. Offers can be withdrawn at any time.
– Interest is paid Gross
– Tax treatment depends on individual circumstances and could change in the future.
– Balances that fall below £5,000.00 will cease to attract interest.

How much interest could I earn?

Savings Interest Calculator

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Terms and Conditions

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

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Important information

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Existing customers

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

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