I hold Power of Attorney for an existing customer. How do I update this with you?

If you hold Power of Attorney for an existing customer and would like to register that with us, please contact us here. You will also need to complete the Power of Attorney application form, which we can provide to you.

The Power of Attorney must be registered with the Office of the Public Guardian, and we will need to see either the original or a certified copy of the document. Alternatively, if you have a 13-digit access code (beginning with the letter V) then you can confirm that to us instead.

Can I add funds to my account?

Fixed Term Bonds can be topped up at maturity only. We need to receive the top-up deposit from your nominated bank account at least one day before maturity.

If you have opened an account that allows additional deposits, such as a Notice Account, you can make transfers as you please from your nominated bank account up to the maximum balance allowed.

I have requested a payment. When should I expect to receive it?

Payments are made by Faster Payment to your nominated bank account and will be received on the date your Fixed Term Bond matures, or on the expiration date of your notice period.

How do I withdraw money from my Fixed Term Bond?

Early withdrawals are not permitted on our Fixed Term Bonds, unless under exceptional circumstances. These may include if you are in financial hardship or suffering from a long term illness and having access to your savings would help your situation. Early withdrawals are granted entirely at United Trust Bank’s discretion and we may apply an early withdrawal charge for breaking your bond ahead of maturity.

If you are experiencing financial hardship, please find out how we can help here.

I have a Notice Account. How do I place notice to close or make a withdrawal?

To submit a withdrawal request or place notice to close, please log in and send us a message with your request. Alternatively, you can contact us here or call us on 020 7190 5599 between 9am and 5pm Monday to Friday.

Please note that should the expiry date of your notice fall on a weekend or a bank holiday, the funds will be sent to your nominated bank on the next available working day. This date will be specified to you at the point we apply the notice on your account, and the funds will be returned by Faster Payment.

What rates do existing customers get?

We offer existing customer rates and terms to customers who have been with us for at least 3 months.

If you have online banking and have been with us for at least 3 months, please log in and select ‘New Application’ to open an additional account. You will then see the existing rates available to you.

Alternatively, please contact us to find out the preferential rates and terms on offer.

Can I change how the interest is paid on my account?

If you want to change how your interest is paid on an existing account, you can do this using online banking. Simply select the relevant account and then choose ‘Linked Account’.

Alternatively, you can contact us with your request.

What rate am I getting on my account?

If you have a Fixed Term Bond, the rate is fixed throughout the duration of your term and is confirmed to you upon your application being successful. For our Notice Accounts, the interest rate is variable and can be found on our website.

You can find the interest rate on your account opening letter for Fixed Term Bonds, or by logging in to your online banking. Alternatively, you can contact us here and we will confirm the rate for you.

For details of our historic rates, these can be found on our website here.

Please note, it only details Notice Account rates. If you are interested in an historic Fixed Term Bond rate, please contact us.

How do I access information on my account?

If you have online banking, please log in and you will be able to access the information on your account.

Alternatively, you can contact us with the information you require or call us on 020 7190 5599 between 9am and 5pm Monday to Friday, and we will be able to confirm what you need.

How can I tell you about a change to my Nominated Bank Account?

If you have online banking, log in and select ‘Nominated Bank Account’ to update your details.

Alternatively, you can ring us on 020 7190 5599 between 9am and 5pm Monday to Friday, and we will take the new details over the phone, or you can contact us here to provide them.

My contact details have changed. How do I let you know?

If you have online banking, please log in and select ‘My Details’, then select ‘Change Contact Details’ to change your details.

Should you need to update your email address, you will need to call us on 020 7190 5599 between 9am and 5pm Monday to Friday, and we will update this for you over the phone.