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
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
How this company uses Trustpilot
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Reply from United Trust Bank
Thank you for your feedback. We're delighted to hear that you found the account setup process easy and that our staff were helpful throughout your experience. Thanks Alex
Good service
Terrible customer service. Explained to staff member on phone what I needed. No clue just transferrin me around in circles. Not great at all.
Someone took the time to call me from UT Bank she was very good and admitted this was a problem that they are working to rectify . My reviews about UT are now 5 star ,
20 July 2026
Unprompted review
Reply from United Trust Bank
Hi Jason,
Thank you for your review. I'm sorry to hear about your experience so far.
Having looked into your concerns, I understand that you were trying to get through to the correct person within our Mortgage Department. I have now contacted the team and requested that someone gets in touch with you directly to discuss your query and provide the assistance you need.
Thank you for your patience, and we appreciate you bringing this to our attention.
Kind regards,
Alex
Reinvesting
Reinvesting, opening a new account and receiving confirmation of funds was quick, straightforward, and seamless. The process was easy to navigate, with regular updates via text and emails from our ever helpful Relationship Support Manager, Olivia.
16 July 2026
Unprompted review
Reply from United Trust Bank
Thank you for your feedback. We're delighted to hear that reinvesting, opening a new account, and receiving confirmation of funds was a quick and seamless experience. It's also wonderful to know that Olivia provided helpful support throughout and kept you well informed with regular updates. Thanks Alex
Website easy to use & a quick &…
Website easy to use & a quick & efficient response to my query. Great customer service.
20 July 2026
Reply from United Trust Bank
Thank you for your feedback. We're delighted to hear that you found our website easy to use and that your query was answered quickly and efficiently. It's great to know that our customer service made a positive impression. Thanks Alex
Nothing to report
At this point in time I can't honestly remember - suggest this is a good sign.
I know I received the information I wanted.
13 July 2026
Reply from United Trust Bank
Thank you for your feedback. We're pleased to hear that you received the information you needed, and we're glad the process was straightforward enough to leave a positive impression. Thanks Alex
Simple way of getting higher interest on business savings
This seems to be a simple way of getting good interest on savings in a business account without having to switch the business current account or pay a fee.
The web pages are very basic and there is no mobile app. It was unclear why, for a flexible account, they wanted to know up front how much I was depositing but I was able to deposit more and withdraw at will so it seems OK.
I remain unclear as to when I will be shown interest accrued. Text implies this is only shown annually. Let's see.
17 July 2026
Reply from United Trust Bank
Thank you for your detailed feedback. We're pleased that you found our account offering a straightforward way to earn a competitive return on your business savings, and we appreciate your comments on the website, account opening process, and visibility of interest accrual, which will help inform future improvements. Thanks Alex
The answer to my question was answered…
The answer to my question was answered quickly and with clarity.
16 July 2026
Reply from United Trust Bank
Thank you for your review. We're pleased to hear that your question was answered quickly and clearly, and we appreciate you taking the time to share your positive experience. Thanks Alex
I found the staff
I found the staff, polite and helpful. They answered every question clearly.
Rahmat Khan
19/06/2026
15 July 2026
Reply from United Trust Bank
Thank you for your kind review. We're delighted to hear that our team was polite, helpful, and able to answer all of your questions clearly, and we appreciate you taking the time to share your experience. Thanks Alex
Very efficient and went out of their…
Very efficient and went out of their way to communicate during the application process.
15 July 2026
Reply from United Trust Bank
Thank you for your review. We're delighted to hear that you found our team efficient and that they kept you well informed throughout the application process. Thanks Alex
Reply from United Trust Bank
Thank you for your review. We're pleased to hear that your enquiry was understood and resolved on the same day, and we appreciate you taking the time to share your positive experience. Thanks Alex
Since I took out an account with UTB…
Since I took out an account with UTB I’ve not had to contact them except for my annual statement and an amendment. All completed without issue so currently I would give a 5 star everything completed with ease.
14 July 2026
Reply from United Trust Bank
Thank you for your review. We're delighted to hear that everything has been completed smoothly and with ease since opening your account, and we appreciate your continued trust and 5-star feedback. Thanks Alex
Reply from United Trust Bank
Thank you for your review. We're delighted to hear that you found the application process quick and easy, and we appreciate you taking the time to share your feedback. Thanks Alex
Super customer service, great rates
Super customer service from start of application to finish, great savings rate, good response time & kept us well informed through honest & friendly conversations each time we did contact them for minor queries about the product - highly recommend.
14 July 2026
Reply from United Trust Bank
Thank you for your fantastic review. We're delighted to hear that you experienced excellent customer service throughout your application, appreciated our competitive savings rate, and felt well informed through our honest and friendly communication. Thanks Alex
Response Time
1. UTB opened a new account, made it joint by adding my wife and transferred our balance from the old account with accrued interest.
2. I requested this by secure message and it was all completed in that one day.
10 July 2026
Reply from United Trust Bank
Thank you for your review. We're delighted to hear that your request to open a joint account and transfer your balance was completed quickly and smoothly, and that everything was resolved through a single secure message in just one day. Thanks Alex
Reply from United Trust Bank
Thank you for your review. We're pleased to hear that everything was completed quickly and efficiently without any issues, and we appreciate you taking the time to share your positive feedback. Thanks Alex
Online banking issues solved with one phone call
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 old details deleted and I was able to open a new account from scratch.
I've always found their website very user friendly and facts are clearly displayed.
Maturity information arrives in good time, by email, with clear options to help make a decision at the end of the fixed rate.
16 July 2026
Reply from United Trust Bank
Thank you for your review. We're delighted to hear that a quick call to our team resolved the issue and enabled you to open your new account with ease, and we're pleased that you continue to find our website and communications clear, informative, and easy to use. Thanks Alex
Prompt reply
13 July 2026
Reply from United Trust Bank
Thank you for your review. We're pleased to hear that you received a prompt response, and we appreciate you taking the time to share your feedback. Thanks Alex
Reply from United Trust Bank
Thank you for your review. We're delighted to hear that Elena responded promptly and resolved your query efficiently, and we’ll be sure to pass on your kind feedback to her. Thanks Alex
I can't remember any problems
13 July 2026
Reply from United Trust Bank
Thank you for your review. We're pleased to hear that your experience was smooth and trouble-free, and we appreciate you taking the time to share your feedback. Thanks Alex
Great support.
Difficulty involving an internet transaction. Rapid (almost immediate) and precise support provided to resolve the issue. No hanging around waiting for telephone calls to be answered, or waiting several days for a secure message reply. Other companies could learn from this approach.
15 July 2026
Reply from United Trust Bank
Thank you for your review. We're delighted to hear that our team was able to provide rapid, precise support to resolve your issue, and we're especially pleased that you found our response times and customer service stand out from your experiences elsewhere. Thanks Alex
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