Preferential Rates

Exclusive rates for our existing Personal account customers.

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Fixed term bonds – available online only

UTB 6 Month Bond – 4.81% Gross / 4.87% AER

Summary Box

UTB 6 Month Bond – 4.81% Gross / 4.87% AER

What is the interest rate?:
– 4.81% Gross / 4.87% AER*

The interest is calculated daily using the cleared balance of the account and 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.

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?
£5,118.84.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections 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 balance is £5,000.00 per account.
– The maximum balance is £1m 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. This must be a transactional UK Bank account, and must be in your name.
– 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 our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

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 then make a full repayment electronically to your Nominated 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– Offers can be withdrawn at any time.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 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 – 5.06% Gross / 5.09% AER

Summary Box

UTB 9 Month Bond – 5.06% Gross / 5.09% AER

What is the interest rate?:
– 5.06% Gross / 5.09% AER*

The interest is calculated daily using the cleared balance of the account and 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.

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?
£5,188.57.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections 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 balance is £5,000.00 per account.
– The maximum balance is £1m 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. This must be a transactional UK Bank account, and must be in your name.
– 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 our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

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 then make a full repayment electronically to your Nominated 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.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

UTB 1 Year Bond – 5.11% Gross/AER

Summary Box

UTB 1 Year Bond – 5.11% Gross/AER

What is the interest rate?:
– 5.11% Gross/AER*

The interest is calculated daily using the cleared balance of the account and 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.

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 12 months based on a £5,000 deposit?
£5,255.50.

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 balance is £5,000.00 per account.
– The maximum balance is £1m 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. This must be a transactional UK Bank account, and must be in your name.
– 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 our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

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 then make a full repayment electronically to your Nominated 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.

Please take time to read and understand our Terms and Conditions before applying for any of our accounts.

UTB 15 Month Bond – 5.06% Gross/AER

Summary Box

UTB 15 Month Bond – 5.06% Gross/AER

What is the interest rate?:
5.06% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to your nominated bank 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?
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?
£5,318.23.

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 balance is £5,000.00 per account.
– The maximum balance is £1m 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. This must be a transactional UK Bank account, and must be in your name.
– 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 our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

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 then make a full repayment electronically to your Nominated 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 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 18 Month Bond – 4.85% Gross/AER

Summary Box

UTB 18 Month Bond – 4.85% Gross/AER

What is the interest rate?:
4.85% Gross/AER*

The interest is calculated daily using the cleared balance of the account and 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.

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 18 months based on a £5,000 deposit?
£5,368.13.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections 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 balance is £5,000.00 per account.
– The maximum balance is £1m 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. This must be a transactional UK Bank account, and must be in your name.
– 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 our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

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 then make a full repayment electronically to your Nominated 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 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 – 4.81% Gross/AER

Summary Box

UTB 2 Year Bond – 4.81% Gross/AER

What is the interest rate?
– 4.81% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank 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?
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?
£5,492.57.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections 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 balance is £5,000.00 per account.
– The maximum balance is £1m 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. This must be a transactional UK Bank account, and must be in your name.
– 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 our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

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 then make a full repayment electronically to your Nominated 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 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 – 4.76% Gross/AER

Summary Box

UTB 3 Year Bond – 4.76% Gross/AER

What is the interest rate?:
– 4.76% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can selected to have the annual interest either added to your account or transferred to you nominated bank 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?
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?
£5,748.53.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections 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 balance is £5,000.00 per account.
– The maximum balance is £1m 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. This must be a transactional UK Bank account, and must be in your name.
– 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 our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

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 then make a full repayment electronically to your Nominated 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 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 – 4.31% Gross/AER

Summary Box

UTB 4 Year Bond – 4.31% Gross/AER

What is the interest rate?:
– 4.31% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank 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?
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?
£5,919.35.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections 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 balance is £5,000.00 per account.
– The maximum balance is £1m 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. This must be a transactional UK Bank account, and must be in your name.
– 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 our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

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 then make a full repayment electronically to your Nominated 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 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 – 4.61% Gross/AER

Summary Box

UTB 5 Year Bond – 4.61% Gross/AER

What is the interest rate?:
– 4.61% Gross/AER*

The interest is calculated daily using the cleared balance of the account and paid annually and on maturity. You can select to have the annual interest either added to your account or transferred to you nominated bank 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?
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?
£6,263.77.

The projections provided are for illustrative purposes only and assume that the interest has been compounded. The projections 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 balance is £5,000.00 per account.
– The maximum balance is £1m 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. This must be a transactional UK Bank account, and must be in your name.
– 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 our online portal, email, post or telephone.

Can I withdraw money?
No. Withdrawals, transfers or closures are not permitted before the maturity date.

We will contact you approximately 14 days before your account matures detailing your options and enabling you to give us your maturity instructions.

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 then make a full repayment electronically to your Nominated 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 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.

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.

Product guide

Download a product guide for our personal savings accounts.

Terms and Conditions

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

Historic rates

View our historic rates.

Important information

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