Personal Current Account
An online current account that fits your values
An online current account that fits your values
Banks use your money to invest in and lend to a range of organisations. So the power to support only those that have a positive impact on the planet and society starts from you and your bank account.
We believe in transparent banking, and we want to be clear on what you will, and won't, get with a Triodos Current Account.
We’re Ethical Consumer’s recommendation for current accounts and have been recognised by Which? as an Eco Provider.
Please read the important documents below before you apply. Triodos Current Accounts are only available for UK residents aged 18 or over. You will make your application on the Triodos Mobile App.
Get startedCash cannot be paid in to the Triodos Current Account. You can make payments into your Triodos Current Account by bank transfer or online. If you wish to pay a cheque into your account, you can send them via our freepost service to our office in Bristol - Freepost TRIODOS BANK. This is an untracked 2nd class service, however, if you are sending in cheques or original documents, you may wish to use our registered address (this will require a stamp):
Triodos Bank
Deanery Road
Bristol
BS1 5AS
Please include the sort code and account number of the account you wish the cheque to be credited to.
The Financial Services Compensation Scheme (FSCS) is a UK body which gives you automatic protection up to £85,000 if your bank, building society, or credit union goes out of business.
Your eligible deposits with Triodos Bank UK are protected up to a total of £85,000 by the FSCS. An eligible deposit is money in accounts such as current and savings accounts, including cash ISAs. With Triodos, this will also cover cash held in investment accounts but not the investments themselves.
Please note that the £85,000 will apply to the total of all eligible deposits with Triodos Bank rather than per account or product. Any deposits over this amount are unlikely to be covered.
For more information, please visit the Triodos FSCS webpage.
Triodos Bank will not charge you for cash withdrawals from any ATM in the UK. However, some ATM providers may charge for using their machines to withdraw cash. There is a charge for withdrawing cash from abroad, please see our tariff for details.
As you'd expect from a bank, we take security very seriously - here are some things we do to keep you safe. To help you spot fraud, we’d also like you to know the things we’d never do.
What we do
What we’ll never do
We will never contact you out of the blue to ask you:
If in doubt, call us on the number on our website, or delete the email without opening it.
Learn more about how to stay safe online or visit the action fraud website.
Yes, cheque books are not issued automatically as we understand that some customers do not require them. If you would like to order one please call our contact team on 0330 355 0355 to request one or send a secure message in Internet Banking.
The Current Account Switch Service makes switching current accounts to Triodos Bank from another UK bank or building society simple, reliable, and stress-free.
The whole process takes only seven working days and is completely free. It is also backed by the Current Account Switch Guarantee.
This service provides all the following benefits:
Historically, smaller challenger banks such as Triodos had no option but to utilise one of the “big four” banks (NatWest Group, Lloyds, HSBC and Barclays) for payment clearing services.
So it is not unusual to see banks of Triodos’ size (or indeed some far bigger organisations) still utilising the “big four” clearing banks.
However, there is currently a real drive by the government, via the Payments Systems Regulator, to promote competition in the banking sector and to encourage innovation in payment systems.
This has resulted in a wider choice of clearing options (including alternative providers and/or direct clearing) now available to challenger banks.
While changing our clearing arrangements would be a very large undertaking we continue to review the options, remaining conscious of maintaining a high quality of service for all our customers.
Yes, we do offer joint accounts. You can apply via our current account page.
Yes, Confirmation of Payee (CoP) is an account name-checking service that has been introduced to combat fraud and misdirected payments. Triodos is part of the UK industry-wide scheme for incoming and outbound payments, and a CoP check will be performed every time you send money from your Triodos account. We encourage you still continue to check payment details in line with our guidance, and regularly review our website for information on how to prevent fraud.
If you want to move all your everyday banking to Triodos, it’s easy, safe, and secure with the Current Account Switch Service - what's more there is a seven-day switch guarantee. You can find out all about the service here.
Ready to switch?
Simply log in to your Mobile App, go to ‘More’ then ‘Account Settings’ and tap on ‘Switching Service’ to start your switch.
Alternatively, you can log in to Internet Banking, click on 'Self service' and use the quick links to ‘Switch current account’, which will take you to the switch form in old Internet Banking.
Our customers have asked how they can help us to further our mission to make money work for positive social, environmental and cultural change. The simple answer is to help us grow our community by recommending us to others. To help do that we’ve introduced our Refer a Friend Scheme which is an easy and inspiring way for our existing customers to recommend us, be thanked for doing so, and to thank new customers for joining Triodos Bank.
To thank our existing customers, we will make a £25 donation to a charity on their behalf for every friend they recommend. Similarly, we will say thank you to all new customers who are referred and open a personal current account offering them a gift of a £60 voucher from one of our business customers, or by making a charity donation on their behalf. New customers can choose which reward they receive.
Find out more at https://join.triodos.co.uk/raf/register
Your card is set to Europe usage, with the option to switch Worldwide on or off in Internet Banking or the Triodos App under Card Settings.
Transactions are always subject to monitoring so your card may still be declined if we suspect your card is compromised. If a payment does get declined you can contact us 24/7 using the phone number on the back of your card. We would also advise travelling with more than one means of payment.
Use of your debit card outside the UK will incur a 2.5% foreign transaction fee and is subject to the exchange rate. You can use your card at any ATM or merchant where the Visa symbol is displayed and the transaction is made using either Chip&PIN or contactless.
Transactions will be processed using the exchange rate set by Visa.
You can use our currency conversion calculator to see how much your transaction could cost.
See our tariff of charges for full details or the Fee Information Document for more information.
No, we don't currently offer Apple Pay or Google Wallet (Google Pay or Android Pay) however we are working towards offering Apple Pay and Google wallet in the future. In the meantime there may be some providers which allow you to register your card to be able to use a mobile wallet.
To activate your card, use your PIN to withdraw money from an ATM or when making a payment. You will need to do this before you make any contactless or online payments.
Your PIN is viewable in the Triodos Mobile Banking App under More > Cards. If you have never used the Triodos App, your PIN will be sent in the post separately.
Don't have the Mobile App? Download via the App Store or Google Play to manage your money on the go, easily and securely. To download the app, you'll need a compatible smartphone or tablet - running Android 6.0 or higher, or Apple iOS 14 or higher.
Yes you can. To make a payment in a currency other than GBP, log in to your Internet Banking and click on Payments and choose the International Payment option. You will then be able to choose which currency you want to send, and then complete all the relevant details. This is currently not available in the Triodos App. The charges for this service are explained in the Personal Banking Tariff for current and savings accounts.
Please note the cut-off time for International Payments is 1pm each working day. Timings for these payments being received vary depending on where the funds are going to. Please allow up to 10 business days for them to arrive if they are being sent outside of Europe.
If you are not eligible for a Triodos Current Account you might want to contact the Money Advice Service who provide free impartial money advice. They can also provide details of bank accounts that may be suitable for you.
When you send money, we will check with the bank you’re sending money to that the name on the account matches the bank details you’ve provided, and let you know if they don’t.
One of the following results will appear on your screen:
The recipient account name is a match
Means the recipient account name you entered matches the payee’s account name.
The recipient name you gave us is a close match, but not exactly the same as the name held on the account
Means the recipient name you gave us is a close match to the name held on the account but not an exact match. We will show the name on the account you’re paying to help you decide whether it’s the right person. You should also double-check the details and request another CoP check before sending any payment.
The recipient name you gave us is not the same as the name held on the account
Means the recipient name you gave us is different to the name held on the account. You should double-check the details and request another CoP check, otherwise your money could be sent to the wrong account.
It is important to be aware that if you choose to go ahead anyway, and the account does not belong to the intended recipient, we may not be able to get your money back.
The recipient bank account does not exist
Means it may be that the recipient account sort code or account number has been entered incorrectly, or the account may be closed. You will need to check with the recipient if their details are correct before you are able to make a payment. If an account does not exist, the payment can't be made.
Unable to check the name, please try again later
Sometimes we won’t be able to check the name on the account you’re sending money to. That doesn’t mean that anything’s wrong. It could just be that the payee’s bank or building society isn’t using CoP yet.
You can continue with the payment – but always double-check yourself that the account name and details are correct.
We are unable to verify these details with the recipient bank at this time – please check the details before continuing
Sometimes we won’t be able to check the name on the account you’re sending money to. That doesn’t mean that anything’s wrong. It could just be that the payee’s bank or building society isn’t using CoP yet.
You can continue with the payment – but always double-check yourself that the account name and details are correct.
We've produced a short online video to show you how to set up your digipass and activate your online banking. Watch the video on Youtube now, or follow the steps below.
You can also sign into online banking using the Triodos Mobile Banking App, find out how to here.
To get started, you will need your digipass, the pin for your digipass and your security word. When you first use it you will be prompted to change your digipass PIN to something memorable. You can do this by following these simple steps:
When your PIN has been changed successfully, an eight-digit code will be displayed.
To login to internet banking, continue to the Triodos homepage. Instructions on how to login are here.
Start by going to our website www.triodos.co.uk and in the top right-hand corner you'll see a link for "Log in" to Internet Banking.
If you have set up the Triodos App, you can log into Internet Banking using the app’s QR scanner on a second device. You can find more information on how this works here.
If you’re a Current Account customer and you do not use the Triodos App you will need your digipass and PIN, and details regarding the security word you set up when applying for the account.
If you’re a Personal Savings or Investments customer and do not use the Triodos App, you will need your username and password.
Strong Customer Authentication (SCA) is a new set of rules that will change how you confirm your identity when making purchases online. Banks and retailers are introducing changes to make your authentication options smarter, and paying online even safer. The changes will help protect you from fraud, as sometimes you’ll be asked to prove it really is you when making some online purchases.
How it works?
You may have noticed that sometimes you’re being asked to authorise payments in the Triodos Mobile Banking App or Internet Banking. This is called two-factor authentication.
To authorise a payment:
• Log into the Triodos Mobile App or Internet Banking as usual.
• Details of the payment will be shown and you will be asked to verify the payment.
• A fraud warning will be displayed, to allow you to double check the payment is genuine.
• If you’re using Internet Banking, you will also need your digipass to authorise the payment.
• You will be informed of the outcome – e.g. Payment Successful.
If you would prefer to cancel the online payment, this must be done instead of authenticating it. If you think it’s a fraudulent payment you should cancel it and contact us immediately on 0330 355 0355 (or if abroad on +44 (0)1179 739339).
All banks and retailers are getting ready to ensure customers who make online payments benefit from this increased level of protection and as a result, you will see an increase in the number of times you are asked to verify your payment. Not all retailers are ready for the changes so you may find an increased number of your online transactions are declined.
If your transaction is declined, in the first instance please contact the retailer. Unfortunately, for instances where the retailer hasn’t updated their systems, we cannot overturn declined transactions and you may want to try using an alternative payment method. Further information can be found on the UK Finance website.
There are two ways to confirm it’s you – the quickest and easiest way is using the Triodos Mobile Banking App. If you don’t have the Triodos App, you can approve the payment in Internet Banking.
Once you have entered your card details to buy a product or service online, you will be asked to approve the payment.
If you would prefer to cancel the online payment, this must be done instead of approving it. If you think it’s a fraudulent payment you should cancel it and contact us immediately on 0330 355 0355 (or if abroad on +44 (0)1179 739339).
No - we do not offer overdrafts on our Personal Current Account.
For assistance with debt and managing your finances please visit our support page where we list a number of specialist organisations who will be able to help you.
Our different approach to banking means your money works harder - changing lives, protecting the environment and building strong communities.
Discover how we can create positive social, cultural and environmental change through our banking.
Please read the important documents below before you apply. Triodos Current Accounts are only available for UK residents aged 18 or over. You will make your application on the Triodos Mobile App.
Get startedWe publish details of every organisation we finance on our website, so you can see for yourself how your money is delivering positive change for people and planet
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