United Trust Bank

Savings Interest Rates, Switch Offers and Guides for United Trust Bank

Best rate

4.48%

AER

Savings rates

All rates AER · Updated August 2026

Easy AccessNoticeFixed RateCash ISA

Limited Access Saver

Easy Access Account

0%1%2%3%4%5%6%

Rates shown are AER and correct as of August 2026.

Cash ISA

Account	AER	Access	Transfers in	Min balance
Cash ISA 5 Year Bond	4.48%	5 Years	Accepted	£5,000
Cash ISA 2 Year Bond	4.45%	2 Years	Accepted	£5,000
Cash ISA 3 Year Bond	4.45%	3 Years	Accepted	£5,000
Cash ISA 1 Year Bond	4.30%	1 Year	Accepted	£5,000
Cash ISA 4 Year Bond	3.90%	4 Years	Accepted	£5,000
Cash ISA 7 Year Bond	3.45%	7 Years	Accepted	£5,000

Fixed Rate

Account	AER	Term	Interest paid	Min balance
15 Month Bond	4.43%	15 Months	Annually/On maturity	£5,000
18 Month Bond	4.40%	18 Months	On maturity	£5,000
1 Year Bond	4.28%	1 Year	On maturity	£5,000
6 Month Bond	4.24%	6 Months	On maturity	£5,000
9 Month Bond	4.22%	9 Months	On maturity	£5,000
2 Year Bond	4.10%	2 Years	Annually/On maturity	£5,000
3 Year Bond	4.10%	3 Years	Annually/On maturity	£5,000
4 Year Bond	4.10%	4 Years	Annually/On maturity	£5,000
5 Year Bond	4.10%	5 Years	Annually/On maturity	£5,000

Easy Access

Account	AER	Access	Interest	Min balance		Details
Limited Access Saver	4.30%	Instant	Variable	£5,000
Easy Access Account	3.75%	Instant	Variable	£5,000

Notice Account

Account	AER	Notice period	Interest	Min balance
100 Day Notice	4.24%	100 Days	Variable	£5,000
60 Day Notice	4.20%	60 Days	Variable	£5,000
40 Day Notice	4.10%	40 Days	Variable	£5,000
30 Day Notice	3.90%	30 Days	Variable	£5,000
180 Day Notice Base Rate Tracker	3.85%	180 Days	Variable	£5,000

Switch offers

United Trust Bank does not currently have a live switch bonus in our database. Check the status page for history and alternatives.

AI overview by Penny

Who they are

United Trust Bank began life in 1955 as Eagil Trust Co. Ltd, before becoming United Trust Bank in 1994. The modern era began in 2003 when a management buyout transformed the business , and it has grown steadily ever since. Today it is a specialist lender offering savings products to individuals, companies and charities, alongside a wide range of short and medium-term funding solutions. Its primary activity on the savings side is fixed and notice deposit accounts , which is where most savers will encounter it. The bank participates in the Financial Services Compensation Scheme (FSCS) , and all accounts in the DepositScout data are protected up to £120,000 per depositor - double the standard £85,000 limit, reflecting United Trust Bank's own FSCS authorisation.

Savings accounts

United Trust Bank's range is genuinely broad. For those who want certainty, there are fixed-rate bonds running from six months all the way out to five years, with a minimum deposit of £5,000 across the board. The cash ISA range mirrors this, with fixed terms from one to seven years.

If locking money away entirely does not appeal, there are notice accounts at 30, 40, 60, 100 and 180 days - useful if you want a step up from easy access without full commitment. There is also an Easy Access Account and a Limited Access Saver for when you need your money to stay more flexible.

All rates are fixed or variable as stated on each product, and none of the accounts currently carry a bonus rate, so the rate you see is what you get throughout the term. Always check the live figures shown on this page, as rates can and do move.

Is it right for you?

United Trust Bank suits savers who have at least £5,000 to put aside and who value a wide choice of terms rather than a single headline-grabbing product. It has built a reputation for competitive fixed rates, notice accounts and longer-term ISA savings. It does not offer a current account switching deal, so if a cash incentive to move your everyday banking is what you are after, you would need to look elsewhere.

The bank has introduced internet banking for both application and ongoing management of accounts , which makes things more straightforward than in earlier years. The personal service element still appears to matter to the team, which can make it feel less transactional than some of the bigger digital-only platforms.

Check the live rates on this page to see exactly where United Trust Bank stands today - the figures move, and a small difference in rate across a multi-year bond can add up to a meaningful sum.

This overview was generated by DepositScout's AI, Penny on 30 July 2026. It may contain inaccuracies — always confirm rates and terms with United Trust Bank directly. Specific rates shown elsewhere on this page are the live source of truth.