United Trust Bank Limited Access Saver Review4.30% AER (Sep 2026)

Easy Access from United Trust Bank

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Protection

FSCS

Up to £120,000

Min balance

£5,000

Max balance

£150,000

Access

Instant

Interest paid

Annually

Rate Tiers

Up to 2 withdrawals per year4.30%

3 or more withdrawals per year2.75%

Who Is This For

Learn more about United Trust Bank

Those wanting easy access
Savers happy with a £150,000 cap
Savers who can deposit at least £5,000

Additional Info

A Nominated Bank Account must be provided when applying. It must be a transactional UK bank account in your name. Fund within 14 days of applying or the account will be closed. Joint accounts allowed (up to two people). You cannot already hold a limited access account with United Trust Bank.

Please verify all details with the provider – for more info read our Disclaimer

Calculate your tax liability for this accountSee what you might pay on the interest from United Trust Bank's Limited Access Saver.

Estimated returns with United Trust Bank's Easy Access

Want to know how much interest you will receive with United Trust Bank's Limited Access Saver?

Estimated interest

£5,000 saved

£215

At 4.3% AER

£10,000 saved

£430

At 4.3% AER

£50,000 saved

£2,150

At 4.3% AER

£150,000 saved

£6,450

At 4.3% AER

Estimated over one year, assuming the rate stays the same and interest stays in the account. Amounts outside this account's minimum or maximum balance are left out.

Our Expert Opinion on United Trust Bank Limited Access Saver

United Trust Bank's Limited Access Saver pays 4.30% and suits savers who want easy access without locking money into a fixed term, provided they can meet the £5,000 minimum. The name is worth taking seriously though: withdrawals are limited, so if you need to dip in frequently this may not suit your style. The £150,000 ceiling is generous enough for most, but if you want a marginally higher rate, Cahoot's Simple Saver is currently at 4.35% and worth a look alongside this one.
Jan Watermann (Co-Founder)DepositScout