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United Trust Bank: Personal Savings reviews

Name: Personal Savings
Rating: 4.9 (442 reviews)

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4.91

Based on 442 reviews, last reviewed 26th Feb 2025

36700% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

93%

2 star

Latest highest rating:

4

good customer experience competitive rates, easy to use, good communication Reviewed on: 26th February 2025

Latest lowest rating:

1

Straight forward and excellent service. Straight forward and excellent service. Interest rates very competitive. Reviewed on: 12th February 2024

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United Trust Bank Personal Savings reviews (442)

Fantastic service Great rates and products

Fantastic service Great rates and products Reviewed on: 19th February 2024

Reply from United Trust Bank Thank you for the five stars, William! Nick Response date: 26th February 2024

Opened a Trust account.

Opened a Trust account. Very helpful and kept me informed. Reviewed on: 18th February 2024

Reply from United Trust Bank Thank you for your review, Julie. We're pleased you found us helpful and it's good to know you were kept informed along the way. Nick Response date: 26th February 2024

Great customer service

I telephoned this morning to clarify several issues as a relatively new and definitely naive customer. In fact, I called twice and was given clear instructions in a very pleasant manner. Reviewed on: 12th February 2024

Reply from United Trust Bank Thank you for your review, Stella. It's great to know you received such friendly assistance when you needed it. Nick Response date: 26th February 2024

Straight forward Banking

I have been using United Trust Bank for several years for Fixed Rate Bonds and find them very reliable with maybe old fashioned values which I like as a senior. I would certainly recommend. Reviewed on: 12th February 2024

Reply from United Trust Bank Thank you for your review, Raymond. We're happy to know you are so satisfied with your experience of United Trust Bank. Nick Response date: 26th February 2024

Straight forward and excellent service.

Straight forward and excellent service. Interest rates very competitive. Reviewed on: 12th February 2024

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

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