After struggling to set up a trust account with another bank, I was fortunate enough to find United Trust and was amazed by their straightforward application process and their e mail communication.... 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'd been a customer of United Trust two years ago, but when trying to open a new fixed rate bond, could not do so, because my account had been removed. One phone call to a friendly woman, got my ol... See more
Company replied
I was really confused and stressed about filling in a tax return that I’d never had to do before. Trying to find all my financial information from all the institutions I use was a nightmare. One sing... See more
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The process of setting up a trust bank account was made very easy by using United Trust Bank. We'd been trying to do it elsewhere for months and once I'd contacted United Trust, the account was open w... See more
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Company details
- #22 of 49 best companies in Bank
- #58 of 103 best companies in Financial Institution
- #14 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
4.6
Excellent
5k reviews
Asks customers to review
This company invites their customers to review, whether positive or negative
Replied to 97% of negative reviews
Typically replies within 48 hours
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A1 experience
An immediate, convivial response to my emailed request was encountered. As per my (now considerable) past experience (NB initial account was circa 1994 when residing at a different address: a deposit receiving 8% return), UTB offered flexibility that would be the envy of other banks and, additionally, a very competitive APR.
10 August 2026
Reply from United Trust Bank
Thank you for your wonderful review and for your long-standing support. We're delighted to hear you've continued to value our flexibility, service, and competitive rates over the years.
Thanks,
Gina
Reply from United Trust Bank
Thanks so much for your 5-star review, Gordon! We're delighted to hear about your positive experience. Thanks, Gina
Reply from United Trust Bank
Thank you for your review, David. We're pleased to hear you received excellent service. Thanks Gina
The customer service responded very…
The customer service responded very quickly and the information very helpful to me. Thank you
14 August 2026
Reply from United Trust Bank
Thank you for your review Carol. We're pleased to hear our customer service team responded quickly and provided helpful information. Thanks Gina
Website simple and straightforward
Website simple and straightforward. Contact centre quick and accurate in its email responses.
14 August 2026
Reply from United Trust Bank
Thank you for your review. We're pleased to hear you found our website simple and straightforward, and that our contact centre provided quick and accurate responses. Thanks Gina
Website clear and easy to use.
Website clear and easy to use.
I was able to give maturity instructions, confident my wishes were clear.
11 August 2026
Reply from United Trust Bank
Thank you for your review, Kathleen. We're pleased to hear you found our website clear and easy to use. Thanks Gina
I had a few issues but easily sorted
I had a few issues in trying to use the online system to move funds from a maturing bond account to a new fixed term ISA. After exchanging a couple of secure messages I was able to set up the new account and give my desired maturity instructions. The response times were not immediate but acceptable and my instructions were confirmed quickly. My advice to other customers is to engage with bank early on if you cannot see how to do want you want to do as it will save time and frustration, bearing in mind that the process does vary across the different financial institutions.
12 August 2026
Reply from United Trust Bank
Thank you for your review, Adrian. We're pleased to hear our team was able to help resolve your query and get everything set up for you. Thanks Gina
Stright forward and all went smoothy
11 August 2026
Reply from United Trust Bank
Thank you for your review. We're pleased to hear everything was straightforward and went smoothly. Thanks Gina
All good and easy
13 August 2026
Reply from United Trust Bank
Thank you for your 5-star review. We're pleased to hear it was all good and easy. Thanks Gina
Reply from United Trust Bank
Thank you for your 5-star review, Rich. We're pleased we could help and provide a quick response to your question. Thanks Gina
Reply from United Trust Bank
Thank you for your 5-star review, Stephen. We're pleased to hear the process was both easy and secure. Thanks Gina
Reply from United Trust Bank
Thank you for your lovely review, Charlotte. We're pleased to hear you found our service efficient and friendly. Thanks Gina
Trust account
After starting our application with a different bank which proved to be very stressful and didn't install a lot of confidence, it was a pleasure dealing with Louis Gleeson who knew the product and responded quickly to our emails. It made the whole process so much easier having a named contact. The application went through swiftly and efficiently.
12 August 2026
Reply from United Trust Bank
Thank you for your kind review, Steve. We're delighted Louis was able to make the process straightforward and provide the support you needed throughout. We really appreciate your feedback. Thanks, Gina
Happy Customer
I have been with UTB for over 10 years and always been happy with the helpful service, investment options and competitive rates.
12 August 2026
Reply from United Trust Bank
Thank you for your kind review, Alex. We're delighted to have supported you for over 10 years and appreciate your continued trust in us. Thanks Gina
Good all around and I feel my business…
Good all around and I feel my business with them is appreciated.
5 May 2026
Reply from United Trust Bank
Thank you for your 5-star review. We're pleased to hear you feel valued and appreciate your kind feedback. Thanks Gina
Managing closure of an ISA account and opening a new one…
My instructions to UTB were carried out in a seamless and competent way. Thank you
30 July 2026
Reply from United Trust Bank
Hi Joss, thank you for your feedback. We're delighted to hear that managing the closure of your ISA and opening a new account was handled seamlessly. Thanks, Gina.
The answers to my questions were…
The answers to my questions were delivered quickly and accurately.
11 August 2026
Reply from United Trust Bank
Hi Kim, thank you for your feedback. We're delighted to hear that your questions were answered quickly and accurately. Thanks, Gina.
Opening the account was relatively…
Opening the account was relatively simple but it ignored my primary reason for the account which wa to separate my domestic and business transactions, so the inability to have clients pay direct to my UTB account means the account will not work for me Shame
10 August 2026
Reply from United Trust Bank
Hi Robert, thank you for your feedback. We're glad opening your account was simple and appreciate your comments regarding payment options for business transactions. Thanks Gina
Reply from United Trust Bank
Thank you for your review. We're delighted to hear your enquiry was handled efficiently and that you had a smooth experience with our team. Thanks Alex
Being able to talk to some one directly…
Being able to talk to some one directly thankyou
10 August 2026
Reply from United Trust Bank
Thank you for your review. We're pleased to hear that being able to speak directly with someone made a positive difference, and we appreciate your kind feedback. Thanks Alex
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