United Trust Bank Reviews 4,156

TrustScore 4.5 out of 5

4.7

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their exceptional helpfulness and positive attitude, making interactions pleasant and productive. Many people highlight the excellent customer service, noting the personalized and understanding approach. The service provided is frequently described as efficient and straightforward, with consumers appreciating the quick response times and the smooth user experience, especially when opening new accounts or managing existing ones. However, some customers also noted occasional issues with the user experience, describing certain online processes as clumsy or not intuitive. A few other people also felt that the company sometimes failed to fully address their queries, leading to delays or the need for repeated contact.

What people talk about most

User experience

Reviewers mention positive feedback about user experience. Many customers found the process straightforward,... See more

Response time

Users describe positive interactions with response times. Customers consistently praise the quick and clear... See more

Service

Clients share positive opinions on service, frequently highlighting its speed and efficiency. Many reviewers... See more

Staff

People report positive experiences with staff, consistently describing them as helpful, polite, and... See more

Customer service

Customers consistently note positive experiences with customer service, praising the helpfulness and... See more

Based on these reviews

Rated 5 out of 5 stars

After a glitch in opening an account a staff member intervened and asked us how we wanted to proceed - and then made personally sure we got what we asked for. She really owned the problem and fixed it... See more

Company replied

Rated 5 out of 5 stars

Recently applied applied for a new account, we were happy with the process...United Trust Bank promptly set up our account after request for further information.

Company replied

Rated 5 out of 5 stars

Clear and concise information provided to support my ISA transfer application. Process not overly complex. No issues to date and awaiting transfer to new provider once fixed UTB account period ends.

Company replied

Rated 5 out of 5 stars

Speedy response to a question. Easy access account is great. When requesting a payment to my NatWest current account the transfers are always completed within a couple of hours - mostly less than 1 ho... See more

Company replied


Company details

  1. Bank
  2. Financial Institution
  3. Savings Bank

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.

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

4.7

Excellent

TrustScore 4.5 out of 5

4K reviews

5-star
4-star
3-star
2-star
1-star

Replied to 98% of negative reviews

Typically replies within 48 hours

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Rated 5 out of 5 stars

Good Service

I have raised a number of questions about my ISA. The contact form is easy to complete and my questions have been answered quickly and clearly.

13 April 2026
United Trust Bank logo

Reply from United Trust Bank

Thank you for the 5 star review Mike, It's great to hear that your questions were answered quickly and clearly. Thanks Gina

Rated 4 out of 5 stars

Renewing an ISA always seems a little…

Renewing an ISA always seems a little more complicated than it needs to be. Otherwise I like UTB.

15 April 2026
United Trust Bank logo

Reply from United Trust Bank

Thank you for your review Steve, We have a number of improvements scheduled across the year starting with our ISA application portal which we believe will make the process much simpler. Gina

Rated 4 out of 5 stars

Very efficient service

I recently had cause to transfer my matured cash ISA funds to another provider. The transfer went through very promptly. I will remain a customer, based on this experience, and could be tempted to re-invest if the interest rate on savings becomes more competitive.

9 April 2026
Unprompted review
United Trust Bank logo

Reply from United Trust Bank

Thank you for your review, it's great to hear that your ISA transfer went through smoothly. Thanks Gina

Rated 5 out of 5 stars

So efficient

So efficient

I had tried to set up an easy access account with our existing current account bank - Virgin - we had been with them since the 1980s (originally as Clydesdale)! 3 months later and nothing was happening apart from countless questions.

So I looked at United Trust where we have a long term savings account. The new account was up and running within a couple of days.

Very satisfied

14 April 2026
United Trust Bank logo

Reply from United Trust Bank

Thank you Grace for taking the time to review our account opening process, Good to hear you were up and running in a couple of days. Thanks Gina

Rated 2 out of 5 stars

Your interest rates are far too low…

Your interest rates are far too low across the site.

14 April 2026
United Trust Bank logo

Reply from United Trust Bank

Thank you for your feedback. We’re sorry to hear that our interest rates haven’t met your expectations.
We understand how important competitive rates are and keep our pricing under regular review, taking wider market conditions and account features into account. Gina

Rated 5 out of 5 stars

Excellent customer service

Prompt, concise response, which fully answered my query.

14 April 2026
United Trust Bank logo

Reply from United Trust Bank

I'm so pleased that we delivered a prompt and concise to your query. Thanks for your 5 star review. Gina

Rated 5 out of 5 stars

Trustworthy

I have been saving online with United Trust Bank for a few years now - attracted by high rates, especially for fixed-term ISA products. I have always found the website to function as it should.

As with many banks, their rates aren't always competitive and I recently transferred a matured ISA to another provider and the process went smoothly. I also messaged UTB customer service via the website just to check something and received a quick, helpful reply. I wouldn't hesitate to transfer money back when their interest rates are attractive.

14 April 2026
United Trust Bank logo

Reply from United Trust Bank

Thank you for your 5 star review, hopefully we can welcome you back soon! I'm pleased to hear that you had a quick helpful response to your query on line. Thanks Gina

Rated 5 out of 5 stars

Answered phone fast .

Answered phone fast .. very polite and helpful

14 April 2026
United Trust Bank logo

Reply from United Trust Bank

Thanks for your 5 star review, I'm please you found us polite and helpful. Thanks Gina

Rated 4 out of 5 stars

Maturity options left wantin

Very straightforward to login and check my account. However, I wanted to transfer my maturing bond to an ISA account and could not see this as an option. I had to make a telephone call to find out what to do.

13 April 2026
United Trust Bank logo

Reply from United Trust Bank

Hi Martin, Great to hear you found our login process straightforward, I'm sorry you had difficulty in transferring your Bond over to an ISA, I hope you found our telephone service ready to assist you. Thanks Gina

Rated 3 out of 5 stars

Acceptable, but not great.

They replied straight away to my enquiry but I still haven't received the information that I asked for. It's a bit frustrating that I can't print off an up to date bank statement when I log into your online banking.

9 April 2026
United Trust Bank logo

Reply from United Trust Bank

Thank you for your feedback, we are currently working on an upgrade for online banking that will allow customers access to their documents, including any statements that have been issued. We hope that this will be in place by July this year.

Alan

Rated 5 out of 5 stars

Customer service

Knowledge and pleasant staff who were helpful

9 April 2026
United Trust Bank logo

Reply from United Trust Bank

Thank you Dominic for your 5 star review, It's great to hear that you found our staff Knowledgeable and Pleasant. Thanks Gina

Rated 5 out of 5 stars

Great service

Great service, lovely friendly and informative customer help/care team. Thank you.

30 March 2026
United Trust Bank logo

Reply from United Trust Bank

Thank you for your 5 star review on the opening of your ISA, It is always nice to hear that our customer service is friendly and informative. Thanks Gina

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