Savings rates
Rates reviewed daily · last updated 8 October 2026
Savings rates
All rates AER · Updated October 2026
Rates shown are AER and correct as of October 2026.
Cash ISA
| Account | Transfers in | Min Balance | |||
|---|---|---|---|---|---|
| Cash ISA 2 Year Bond | 4.90% | 2 Years | Accepted | £5,000 | |
| Cash ISA 3 Year Bond | 4.90% | 3 Years | Accepted | £5,000 | |
| Cash ISA 1 Year Bond | 4.80% | 1 Year | Accepted | £5,000 | |
| Cash ISA 5 Year Bond | 4.75% | 5 Years | Accepted | £5,000 | |
| Cash ISA 4 Year Bond | 4.00% | 4 Years | Accepted | £5,000 | |
| Cash ISA 7 Year Bond | 3.70% | 7 Years | Accepted | £5,000 |
Fixed Rate
| Account | Interest paid | Min Balance | |||
|---|---|---|---|---|---|
| 2 Year Bond | 4.85% | 2 Years | Annually/On maturity | £5,000 | |
| 3 Year Bond | 4.85% | 3 Years | Annually/On maturity | £5,000 | |
| 4 Year Bond | 4.85% | 4 Years | Annually/On maturity | £5,000 | |
| 5 Year Bond | 4.85% | 5 Years | Annually/On maturity | £5,000 | |
| 15 Month Bond | 4.75% | 15 Months | Annually/On maturity | £5,000 | |
| 18 Month Bond | 4.75% | 18 Months | On maturity | £5,000 | |
| 1 Year Bond | 4.60% | 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 |
Easy Access
| Account | Access | Interest | Min Balance | ||
|---|---|---|---|---|---|
| Limited Access Saver | 4.30% | Instant | Variable | £5,000 | |
| Easy Access Account | 3.75% | Instant | Variable | £5,000 |
Notice Account
| Account | 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 | 3.85% | 30 Days | Variable | £5,000 | |
| 180 Day Notice Base Rate Tracker | 3.75% | 180 Days | Variable | £5,000 |
Is United Trust Bank FSCS protected?
Yes — FSCS protected up to £120,000
Yes. United Trust Bank savings are FSCS protected up to £120,000 per person, per banking licence, under United Trust Bank Limited.
Banking licence: United Trust Bank Limited
Last checked against the FCA register on 9 October 2026.
See every brand that shares a banking licenceSwitch offers
Who they are
United Trust Bank was incorporated in England in 1955, originally established as a specialist lender providing development finance to SME house-builders tackling the post-war housing shortage. In 2004, a management buyout took the bank into private ownership and reinstated its original name - at the time the loan book stood at just £10m, and so began the modern era as an independent specialist bank. Since then it has grown steadily into a well-regarded specialist bank, reaching a loan book of £3.5bn by December 2024. Today it offers savings products to individuals, companies and charities alongside a wide range of short and medium-term funding solutions. It holds its own banking licence - not shared with any other brand - and is fully authorised by the FCA (firm reference 204463).
Savings accounts
United Trust Bank's range is genuinely broad. The minimum deposit is £5,000 across every account, so this is a provider aimed at savers with a meaningful pot to put to work.
On the fixed-rate side, bonds run from six months out to five years, with rates currently sitting between 4.24% and 4.85% AER depending on the term. For those who want a middle ground between flexibility and a fixed return, notice accounts are available from 30 days up to 180 days (the 180-day option is a variable Base Rate tracker), with rates ranging from 3.75% to 4.24% AER. There is also a Limited Access Saver and an Easy Access Account if you need the ability to withdraw at short notice, though the rates reflect that flexibility.
The Cash ISA range mirrors the fixed-bond lineup, with terms from one to seven years and rates from 3.70% to 4.90% AER. These are genuine cash ISAs - not investment products - so each account carries full FSCS deposit protection up to £120,000 per person.
Deposit protection
Your eligible deposits with United Trust Bank Limited are protected up to £120,000 per person by the FSCS. Joint accounts receive £240,000 of cover (£120,000 each). If you are temporarily holding a large balance - from a house sale or inheritance, for example - the FSCS temporary high balance protection of up to £1.4 million can apply for six months. United Trust Bank holds its own licence and does not share it with any other brand, so your full allowance is yours alone.
Is it right for you?
United Trust Bank suits savers who have at least £5,000 to put aside and who want a wide choice of terms rather than a single headline product. The combination of fixed bonds, notice accounts and a competitive Cash ISA range makes it one of the more flexible specialist banks in the market. There are no switching bonuses here, but the rates tend to speak for themselves.
As always with fixed-rate products, make sure you are comfortable locking your money away - access before maturity is not permitted on the bonds. Check the live rates shown on this page for the current figures, as these move over time.
This overview was generated by DepositScout's AI, Penny on 8 October 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.
