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
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
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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.
April 9, 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
April 14, 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
Your interest rates are far too low…
Your interest rates are far too low across the site.
April 14, 2026
Reply from United Trust Bank
Thank you for your feedback. We’re sorry to hear that our interest rates haven’t met your expectations.
We understand how important competitive rates are and keep our pricing under regular review, taking wider market conditions and account features into account. Gina
Reply from United Trust Bank
I'm so pleased that we delivered a prompt and concise to your query. Thanks for your 5 star review. Gina
Very helpful staff and consistently…
Very helpful staff and consistently good products
April 11, 2026
Reply from United Trust Bank
Thank you for your 5 star review David. Gina
Pure and simple honest advice.
April 11, 2026
Reply from United Trust Bank
Thank you William, Great to hear you had such a positive response to your query. Thanks Gina
Trustworthy
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 with many banks, their rates aren't always competitive and I recently transferred a matured ISA to another provider and the process went smoothly. I also messaged UTB customer service via the website just to check something and received a quick, helpful reply. I wouldn't hesitate to transfer money back when their interest rates are attractive.
April 14, 2026
Reply from United Trust Bank
Thank you for your 5 star review, hopefully we can welcome you back soon! I'm pleased to hear that you had a quick helpful response to your query on line. Thanks Gina
Reply from United Trust Bank
Thanks for your 5 star review, I'm please you found us polite and helpful. Thanks Gina
Maturity options left wantin
Very straightforward to login and check my account. However, I wanted to transfer my maturing bond to an ISA account and could not see this as an option. I had to make a telephone call to find out what to do.
April 13, 2026
Reply from United Trust Bank
Hi Martin, Great to hear you found our login process straightforward, I'm sorry you had difficulty in transferring your Bond over to an ISA, I hope you found our telephone service ready to assist you. Thanks Gina
Acceptable, but not great.
They replied straight away to my enquiry but I still haven't received the information that I asked for. It's a bit frustrating that I can't print off an up to date bank statement when I log into your online banking.
April 9, 2026
Reply from United Trust Bank
Thank you for your feedback, we are currently working on an upgrade for online banking that will allow customers access to their documents, including any statements that have been issued. We hope that this will be in place by July this year.
Alan
Reply from United Trust Bank
Thank you Dominic for your 5 star review, It's great to hear that you found our staff Knowledgeable and Pleasant. Thanks Gina
Great service
Great service, lovely friendly and informative customer help/care team. Thank you.
March 30, 2026
Reply from United Trust Bank
Thank you for your 5 star review on the opening of your ISA, It is always nice to hear that our customer service is friendly and informative. Thanks Gina
I asked a question via on line…
I asked a question via on line messages. You answered it first time. Total efficiency and quickly.
April 11, 2026
Reply from United Trust Bank
We really appreciate you taking the time to leave us feedback John, it is always nice to hear our responses are quick and efficient. Thanks Gina
Quick response
Contacted UTB for some documentation that I couldn't access online. Had an email response very quickly with what was needed. Great service
April 11, 2026
Reply from United Trust Bank
Thank you for your 5 star review Katy, Great to see we were able respond to you quickly. Thanks Gina
Older people ?
To painful to negotiate why can't you make it easier for older people ???
April 11, 2026
Reply from United Trust Bank
Thank you for your feedback and I am sorry to hear that you found navigation difficult.
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.
Alan
Same Day Response to Query
My query was answered the same day! Fantastic response time!
April 11, 2026
Reply from United Trust Bank
Thank you so much for your 5 star review, David, It is always good to hear that our secure messages are answered the same day. Thanks Gina
My secure message was answered…
My secure message was answered promptly.
True professionalism.
April 11, 2026
Reply from United Trust Bank
Thank you for your review Alastair, It is always good to hear that secure messages are handled promptly. Thanks Gina
Reply from United Trust Bank
Thank you for your feedback David. Thanks Gina
One of the best banks
I like very much their customer service. Their staff are very helpful.
April 7, 2026
Reply from United Trust Bank
Thanks for you for taking the time to leave us your feedback Olga, It's always good to know our staff are very helpful. Thanks Gina
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