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United Trust Bank: Personal Savings reviews

Name: Personal Savings
Rating: 4.85 (1587 reviews)

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4.85

Based on 1,587 reviews, last reviewed 21st Apr 2026

31% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

92%

2 star

Latest highest rating:

4

Various good investment opportunities over several y... Various good investment opportunities over several years. Reviewed on: 21st April 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

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United Trust Bank Personal Savings reviews (1587)

Trust by name, trust by nature

Have been saving for a few years and have always received one, if not the best rates around. Easy to set up and good communication Reviewed on: 10th February 2024

Reply from United Trust Bank Thank you for your review, Linda. We're pleased that you have found our communication good and useful, and that the rates have been right for you. Nick Response date: 12th February 2024

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

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