An easy access account provides you with more flexibility with your funds compared to a fixed rate bond or notice account, since you can withdraw your funds at any time, rather than waiting for your term or notice period to expire. They can be suitable for those customers with lots of different needs for their savings, helping you to achieve various financial goals.

Due to their flexibility and convenience, easy access accounts offer a variable rate of interest, which means your interest rate can go up or down.

Existing customers can open easy access accounts by logging in to their online banking and following the steps under ‘New Application’. If you have not yet signed up, you can register your details here.

For new customers, please visit our main site to open your easy access account.

If you are an online banking user, simply login to your account, select the relevant easy access account and then choose the option ‘Make a Withdrawal’. You then just need to enter the amount you wish to withdraw and choose the date you would like the funds sent to you. Please note, to keep the account open you must have a balance of at least £5,000 left after the withdrawal.

Should you submit your withdrawal request by 5pm on a business day, the funds should reach your Nominated Bank Account on the same business day. Requests made after 5pm on a business day, or on a day that is not a business day, will be processed on the next business day.

If you make your withdrawal request in writing via post or by email and it is received by 2pm on a business day, the funds should reach your Nominated Bank Account on the same business day. Requests received after 2pm, or on a day that is not a business day, will be processed on the next business day.

For joint accounts or businesses and charities, the request must follow the signing rules and be received by the above respective times to be processed on the same day.

If you are not yet an online banking user, you can register your details here.

For more details, please see Sections E1.6 and E1.7 of our Terms and Conditions.

The nature of an easy access account means you can deposit funds at any time, as with one of our notice accounts, up to the maximum deposit of £100,000.00.

You must have met the minimum balance requirement of £5,000.00 within 14 days of opening your easy access account.

The easiest way to add funds to your account is by electronic bank transfer, and please ensure the funds are sent from your nominated bank account. You will just need to quote your United Trust Bank sort code and account number when making your payment.

The maximum amount you can deposit in an easy access account is £100,000.

You are only allowed to open one easy access account, up to the maximum value of £100,000.

The interest rate on our easy access accounts is variable. To find out the current rate on your account, please login to your online banking and choose the account in question under the ‘Accounts’ page.

If you are not yet registered for online banking, you can sign up here.

Yes. The interest rate on our easy access accounts is variable. We will contact you when the rate changes on your account.

Statements are sent annually after interest is applied on 31 October each year.

Should you prefer more frequent statements, please send us a secure message via your online banking login or call us on 020 7190 5599 between 9am and 5pm Monday to Friday.