Write a review

Go to business site

United Trust Bank: Personal Savings reviews

Name: Personal Savings
Rating: 4.9 (1337 reviews)

View other United Trust Bank products

4.90

Based on 1,337 reviews, last reviewed 11th Mar 2026

32500% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

92%

2 star

Latest highest rating:

5

reliable bank . reliable bank .No problems in renewing my account. Kept up to date with money market. Would recommend them to my friends. Reviewed on: 11th March 2026

Latest lowest rating:

1

Rates dropped quickly after I signed up Signed up to the savings account, within the first 3 months they dropped the interest rate by 0.40% even though the BOE only dropped the rates by 0.25... Read more Reviewed on: 14th February 2026

Read all reviews See your review

About this product

Looking for United Trust Bank personal savings reviews? At Smart Money People, we’re building the biggest collection of financial reviews online, so if you’re an existing United Trust Bank customer, write your own review and help out our community today!

United Trust Bank Personal Savings reviews (1337)

Review of the United Trust Bank, Personal Savings:

United Trust Bank offers very good saving rate and c...

United Trust Bank offers very good saving rate and customer service. Reviewed on: 16th April 2025

Great Customer Service.

Great Customer Service. The Web Interface still have room for improvement. Reviewed on: 2nd February 2024

Reply from United Trust Bank Thank you for your review, and we are pleased to know you received such great customer service from us. We appreciate your feedback about our site and interface, and are happy to confirm that we are working on introducing an update in the coming months, which will hopefully improve your experience. Nick Response date: 2nd February 2024

Excellent customer service and products

UTB was an unknown bank to me but from day one they were so helpful with helping me to open my account. I don’t really like working online and plaqued them with questions. They helped me get online in a helpful friendly manner and I find their online portal very easy to use. I like that they reward existing customers with a better rate. Reviewed on: 30th January 2024

Reply from United Trust Bank Thank you for the five stars, Mrs V. We're pleased that you managed to set up your account without issue, and that you found our customer services team so helpful. Nick Response date: 1st February 2024

customer service.

Very good customer service. Competitive rates Reviewed on: 26th January 2024

Reply from United Trust Bank Thank you for the five stars! Nick Response date: 1st February 2024

Improvements needed

There are a few areas where UTB processes and documentation could be improved. 1. The Ts and Cs are unclear about how much notice you will be given when the interest rate on your account reduces. When I raised this via email I was given a useless reply. I also raised this on Trustpilot and got a more sensible reply and the person replying agreed with me and said when the UTB Ts and Cs document is updated, this information will be made clearer. 2. I received an SMS to notify me of my first deposit into my notice account. Then I received individual letters in the post to advise me of my first four deposits into my notice account. I have now received an email with a link in it asking me to input details from my National Insurance number to see a document. I was concerned that this might be a phishing scam and so sent a secure message. I was told that I had been sent a statement via email yesterday and so this was 'likely not to be a scam' - hardly assuring!. This raises a number of issues. a) Why is the process for notifying deposits so inconsistent? b) Why does UTB send documents via email with a link within the email to retreive the document. Surely this is contrary to good security practice. We are advised to never click on links within emails. All other providers I use only send emails advising me to log into my account to read messages or view documents. They never provide links in emails. The email says that the document will only be available for 90 days - so that adds a bit of urgency to the situation - exactly what the authorities say scammers do. Reviewed on: 26th January 2024

Reply from United Trust Bank Thank you for your review, and for your time on the phone the other day. It was good to talk to you further about your concerns, and discuss with you the improvements we are making to our service, which will mean information is clearer upfront for our customers. As we are moving towards sending digital communication, you may find that some letters are received by post in the first instance, before reverting to email at a later date, but your feedback on this is valuable. If you are ever unsure about an email received from us, the best thing to do is call us on 020 7190 5599 between 9am and 5pm Monday to Friday, where an agent will be happy to put your mind at ease. Nick Response date: 1st February 2024

Delighted with the savings products available and th...

Delighted with the savings products available and the tool which calculates your anticipated interest on the chosen account.Custer services were helpful when I had a problem logging on. All sorted without hassle. Reviewed on: 25th January 2024

Reply from United Trust Bank Thank you for your review, JH. We're very happy to know you found the rates worked for you, and that our customer services team were able to help you when you needed them. We're also happy that you found our calculator tool so helpful! Nick Response date: 1st February 2024

Totally Trustworthy

Since entrusting my investments with UTB, I have been very pleased by the high standards of organisation, professionalism, customer care and competitive rates of return - a level of service that other financial providers can only hope to emulate. Reviewed on: 23rd January 2024

Reply from United Trust Bank Thank you for your review, Paul. It's fantastic to know you have received such a high level of service from us, and that the interest rates are right for you. Nick Response date: 1st February 2024

ISA TRANSFER

The bank handled an ISA transfer very efficiently and replied very quickly on my enquiry about the transfer. Reviewed on: 17th January 2024

Reply from United Trust Bank Thank you for your review, Peter. We're delighted that you had such a smooth experience with us! Nick Response date: 1st February 2024

Exellent service and promt seevice

Exellent service and promt seevice Reviewed on: 17th January 2024

Reply from United Trust Bank Thank you for the five stars, Priscilla! Nick Response date: 1st February 2024

Great customer service

When I needed to contact them, I got through to a real human and they were very polite and professional. They sorted out my issue, as I was having difficulty signing up, and I got confirmation by email half an hour later. Fantastic service. Reviewed on: 16th January 2024

Reply from United Trust Bank Thank you for your review, Nick. We're very happy you received such great service! Nick Response date: 1st February 2024

Very Professional Staff who listen to the Customers...

Very Professional Staff who listen to the Customers request, talk to management & are usually flexible where possible to enact a good outcome for both parties.This is the essence of a good business relationship, something many other institutions could learn a lot from, Well done UTB , may it long continue. Reviewed on: 15th January 2024

Reply from United Trust Bank Thank you for your review, Guy. It's great to know that you have received high quality customer service from us! Nick Response date: 1st February 2024

Do you have a different United Trust Bank product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Online Saver Plus
from Triodos Bank 4.94 from 423 reviews
Branch Flexible Saver
from Nottingham Building Society 5.00 from 5 reviews
Savings
from 1st Class Credit Union 5.00 from 16 reviews

Want to see more from United Trust Bank?

Bridging Finance
from United Trust Bank 5.00 from 1 reviews
Asset Finance
from United Trust Bank 5.00 from 23 reviews
Business Accounts
from United Trust Bank 4.92 from 451 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub