So efficient I had tried to set up an easy access account with our existing current account bank - Virgin - we had been with them since the 1980s (originally as Clydesdale)! 3 months later and... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I have been saving online with United Trust Bank for a few years now - attracted by high rates, especially for fixed-term ISA products. I have always found the website to function as it should. As... See more
Company replied
After a glitch in opening an account a staff member intervened and asked us how we wanted to proceed - and then made personally sure we got what we asked for. She really owned the problem and fixed it... See more
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We recently moved house and customer service handled the change of address opened our new account, arranged for the 40 day account to be closed and transferred into the new account when the 40 days h... See more
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Company details
- #11 of 49 best companies in Bank
- #47 of 117 best companies in Financial Institution
- #8 of 19 best companies in Savings Bank
Written by the company
We are an award-winning specialist UK bank, incorporated in 1955. We offer a range of fixed term and notice deposit accounts and ISAs to individuals, businesses and charities. We provide a variety of loans, funding facilities and mortgages to individuals, housebuilders, property investor/developers and SMEs.
FSCS Protected
UTB customers are protected by the Financial Services Compensation Scheme.
And because we don’t share a banking licence with any other bank, you’ll get the full benefit of the protection up to the scheme’s limits wherever you have other savings put aside.
Contact info
One Ropemaker Street, EC2Y 9AW, London, United Kingdom
- 0800 083 2228
- customerexperience@utbank.co.uk
- utbank.co.uk
4.7
Excellent
4K reviews
Replied to 98% of negative reviews
Typically replies within 48 hours
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Making deposits
Apart from the fact that your website is incledibly slow to load on my computer, making transfers was easy. You do seem to have a problem with separating business and personal passwords so I have had to change my personal password twice after being warned it was temporary. I haven't used the business one recently so I hope it hasn't been similarly affected and expired.
20 April 2026
Reply from United Trust Bank
Thank you Trevor for your feedback, i am sorry to hear the website was slow when navigating. I understand that some of our emails do have the same title so can understand some confusion and will keep this feedback for future improvements. If you have logged in before on your business online banking profile this should still be the same but all of our temporary passwords do expire after 10 days. Thanks Alex
You did what you said you would do
20 April 2026
Reply from United Trust Bank
Thank you Melvin for your review. Thanks Alex
Knowledgeable Staff
On the rare occasions I can't solve my problem through the website and have to phone the staff are very Pleasant and knowledgable.
20 April 2026
Reply from United Trust Bank
Thank you so much for your comments, it is great to see that when you can not self serve on our website you have our team willing to help you with any query. Thanks Alex
Easy to use deposit process with solid…
Easy to use deposit process with solid interest rates
1 December 2025
Reply from United Trust Bank
Julian we love to hear how easy it is to deposit funds with us. It is also great to hear you think our interest rates are solid. Thanks Alex
I spoke to a lovely gentleman who…
I spoke to a lovely gentleman who opened the new account for me very efficiently.
20 April 2026
Reply from United Trust Bank
Mr Joshi it is fantastic to hear that one of my colleagues were able to help you open an account. Thanks Alex
Reply from United Trust Bank
Thank you so much Tim for reaching out, its fantastic to see that our team gave you a personal service and were helpful. Thanks Alex
This was a transfer of a maturing ISA…
This was a transfer of a maturing ISA to another bank - this was done quickly and efficiently.
16 April 2026
Reply from United Trust Bank
Mrs Ainsworth we really appreciate you leaving a review, it is great to see that when transferring an Isa it was done quickly and efficiently. Thanks Alex
Unable to transfer money online to…
Unable to transfer money online to another bank. It took 4 days for it to reach my account
17 April 2026
Reply from United Trust Bank
Mark we really appreciate you reaching out and leaving feedback. I am sorry to hear that the transfer was not carried out same day of the request. I will take on this feedback around the amount of time it has taken in regards to this transfer. If there is anything further we can do for you please reach out. Thanks Alex
Reply from United Trust Bank
Nicholas it is fantastic to see our advisors give great customer service. Thanks Alex
Very receptive and professional…
Very receptive and professional advisors. All transactions went smoothly. Cannot fault the service. Thankyou.
17 April 2026
Reply from United Trust Bank
Nigel we love when our advisors are able to give a professional service. I am glad your transaction was smooth and faultless. Thanks Alex
Good online customer service
You helped find information I needed regarding the interest on my account. Thank you.
17 April 2026
Reply from United Trust Bank
I am glad we were able to help you find the information you needed regarding the interest on your account. Thanks Alex
Excellent client service.
14 April 2026
Reply from United Trust Bank
Thank you Julian for your 5 star review. Thanks Alex
Very quick and easy to setup
Very quick and easy to setup. Especially liked the way it checked the trustee details on the charities commission website.
17 April 2026
Reply from United Trust Bank
We really appreciate your review, we always like to hear when our accounts are easy to set up. Thanks Alex
Can recommend
We were renewing a savings account with UTB. Very smooth process online. Great Bank to deal with.
17 April 2026
Reply from United Trust Bank
Thank you Stephen for your review, it is great to hear that your renewal of your savings account was smooth and no issues. Thanks Alex
Good Service
I have raised a number of questions about my ISA. The contact form is easy to complete and my questions have been answered quickly and clearly.
13 April 2026
Reply from United Trust Bank
Thank you for the 5 star review Mike, It's great to hear that your questions were answered quickly and clearly. Thanks Gina
Renewing an ISA always seems a little…
Renewing an ISA always seems a little more complicated than it needs to be. Otherwise I like UTB.
15 April 2026
Reply from United Trust Bank
Thank you for your review Steve, We have a number of improvements scheduled across the year starting with our ISA application portal which we believe will make the process much simpler. Gina
Very efficient service
I recently had cause to transfer my matured cash ISA funds to another provider. The transfer went through very promptly. I will remain a customer, based on this experience, and could be tempted to re-invest if the interest rate on savings becomes more competitive.
9 April 2026
Unprompted review
Reply from United Trust Bank
Thank you for your review, it's great to hear that your ISA transfer went through smoothly. Thanks Gina
Reply from United Trust Bank
Thanks Kate, So pleased to hear all went well. Gina
So efficient
So efficient
I had tried to set up an easy access account with our existing current account bank - Virgin - we had been with them since the 1980s (originally as Clydesdale)! 3 months later and nothing was happening apart from countless questions.
So I looked at United Trust where we have a long term savings account. The new account was up and running within a couple of days.
Very satisfied
14 April 2026
Reply from United Trust Bank
Thank you Grace for taking the time to review our account opening process, Good to hear you were up and running in a couple of days. Thanks Gina
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