How can I add Third Party Authority to my account?
If you are an existing customer and wish to add a third party to your account, please head to our Customer Forms page to find the third party application form, or click here to be directed straight to the form. Please note that this application form will need to be signed by both you and your third party, and can be returned to us via email to [email protected] or by post to One Ropemaker Street, London, EC2Y 9AW.
What happens if the rate on my Notice Account changes?
If you hold a Notice Account that tracks the Bank of England Base Rate, when the Base Rate changes we will automatically update the rate on your account within 48 hours, and we will email you confirmation of the rate change.
For our regular Notice Accounts, should the rate on the product you hold increase, we will apply the new rate to your account and email or post you confirmation.
If the rate on the regular Notice Account you hold decreases, we will send you notification at least 14 days before the new rate takes effect. We then provide you with an extra 30 days where you may choose to close or switch your account without penalty, loss of interest or providing notice.
What are your opening hours?
We are open from 9am to 5pm, Monday to Friday (excluding bank holidays).
How do I contact you?
The best way to contact us is by logging in to your online banking and sending a secure message. Alternatively, you can contact us here, write to us at One Ropemaker Street, London, EC2Y 9AW, or call us on 020 7190 5599 or freephone 0800 083 2228 between 9am and 5pm Monday to Friday.
Are there any charges for operating my account?
No, we will not charge you for any of the normal things you need to do with your account.
However, if you fail to comply with any of the terms and conditions of your account with us, we may claim fees from your account.
Can I have my account documentation in an alternative format?
Yes, you can request your account information and communications in large print, braille or audio. Please contact us to arrange.
How do I obtain an Annual Interest Statement?
What is an annual interest summary?
This is an annual summary of the interest earned on all of your personal savings accounts held with United Trust Bank for the 2025/26 tax year.
Why have I received this?
We issue this information to all our personal customers annually, to assist them with their tax returns.
Does this show my interest as being paid GROSS or NET?
In accordance with UK tax legislation from 6 April 2016, interest is paid gross. If you are a UK taxpayer, you may have to pay tax on interest earned in excess of your Personal Savings Allowance (PSA). The current PSA for the basic rate income tax band is £1,000. The interest you earn on your money in a cash ISA remains tax free for the life of the ISA, providing all ISA conditions are met.
How is the interest calculated on my joint account?
We confirm who the account holders are at the time the account earned interest and provide the total interest that was earned, irrespective if the account is held in sole name or joint names. The interest amount is not split between the number of account holders to the account.
If I want to change how my interest is paid, how do I arrange this?
For notice accounts and fixed term accounts greater than 1 year, you can update your interest instructions by logging on to your online banking and making these changes yourself. If you are not registered for online banking, please refer to the guidance here on how to register.
The interest amount I received is incorrect.
Be aware that having your interest compounded or paid away annually to your nominated bank account can affect the amount of interest you receive. If you still feel your interest amount is incorrect, please contact us, using one of the options detailed below.
I have a missing account on my summary.
The accounts included on your annual interest summary are only those accounts that received interest between 6 April 2025 and 5 April 2026. If you still wish to discuss any discrepancies on your annual interest summary, please contact us, using one of the options detailed below.
Can I change how I receive account information from United Trust Bank?
As part of our continuing ambition to make saving with United Trust Bank even easier, and to help reduce our impact on the environment, we are now sending some account information to you by email. If you would like to change the format or how you receive account information, you can send us a secure message by logging on to your online banking.
Please contact our dedicated team for any questions you may have via:
– Phone: 020 7190 5599 / Freephone 0800 083 2228
– Email: [email protected]
– Online Banking secure message
– Hours: Monday–Friday, 9am – 5pm*
*excluding bank holidays
Alternative Format
If you would like to receive future communications in large print, braille or CD audio, please get in contact us using the details above.
When will I receive a statement?
Statements are issued once a year, the day after the interest is applied to your account, except for Fixed Term Bonds of one year or less, where a letter detailing the interest at maturity will be sent to you.
Should you require more frequent statements, please contact us detailing how often you would like them sent to you.
How do I remove an account holder?
If you wish to remove an account holder from your account, please contact us, confirming the name of the account holder who is to be removed. Please note, you will only be able to remove an account holder if interest has not been applied to the account in question during the current tax year.
We will need confirmation of the removal from both account holders. You can either call us individually, email us separately or write to us ensuring the letter is signed by both parties.
We will send confirmation as soon as the change has been made.