Do I need to be a UK resident to open a savings account?
You need to be a UK resident to be eligible to apply for any of our savings and deposit accounts.
Related FAQs
Business Self-Service
We’ve recently introduced business online account management. This lets you make changes to your business account in Internet Banking, without needing to call us or fill in paper forms in future.
With this new feature, you can:
- Add or update Account Administrators
- Manage permissions for Account Operators
- Update your business email securely
- Set account limits for organisations with joint signing
To get the self-service functionality, please complete and return the Account Administrator form.
This form:
- Authorises a named individual to make account changes on behalf of your organisation
- Must be signed by a director/trustee in accordance with your existing account mandate
- May require ID verification for any newly authorised individuals
You can return the completed form via the chat in Internet Banking, or by post. (Details are provided in the form). Once we have processed your form and any ID documents, you’ll be able to make all the above changes yourself.
If you already have self-service set up, go to our Help and support page to find out more about changing your business details in Internet Banking.
Change permissions or remove an account administrator: Please complete and return the Change Permissions or Remove Account Administrator Mandate Form.
If you’d rather change your business details in the usual way, you can continue to use the forms below:
Please find forms below to enable you to make changes. You can return your completed form via Chat in Internet Banking or by post.
Change or remove Account Operators: complete a Change of Account Operator form.
When we receive your form, we will:
1. Please find the forms below to enable you to make these changes. You can return your complete forms via Chat message in Internet Banking, or by post. Check the form has been completed and authorised correctly. If it is not, we will return the form to you which will cause delays. If you have any questions regarding the authorisation required, please contact us via a Chat message in Internet Banking or or call us on 0330 355 0355 during our opening hours.
2. Remove account operators and send you confirmation via internet banking (or post if the form was sent via post). However, if removing account operators prior to adding new ones will go below your mandate, we will add the new account operators first.
3. Verify the identity of new account operators. This will be in the form of electronic identification, for which the new account operators will receive an email. Please action this email as soon as possible to avoid delays.
4. Finalise the onboarding of new account operators and send you confirmation for each account operator successfully added.
Change the Key Contact Person: if the new contact person is already an Account Operator, and you do not need to make other changes to Account Operators, complete a Business Information Change form. If the new contact person is not yet an Account Operator, they must be registered as one through the Change of Account Operator form, and you can assign them as the Key Contact Person on the same form.
Change your business name: complete a Business Information Change form.
Change your business address (registered / trading / correspondence): complete a Business Information Change form.
Change your business website address: complete a Business Information Change form.
Change payment limits: complete an Internet Banking form to amend the account limits and change individual account operators’ payment authorisation limits or rights.
Close your (current / deposit) account: complete a Business Account Closure Request form.
Returning your form via Chat in Internet Banking
If you are returning your form via Chat, we do not require a signature, and you have the option to complete the form electronically or by hand.
If your account mandate specifies that you need more than one account operator to authorise changes, we must receive a Chat message with a copy of the competed form from enough operators to meet your signing mandate.
If you require clarification of your account mandate(s) and/or signing arrangements, please contact via a Chat message in Internet Banking, or call us on 0330 355 0355 . To avoid delays, please do this before submitting your form.
Returning your form by post
If you are returning your form by post, please note the declaration must be signed with a wet signature.
If you require clarification of your account mandate(s) and/or signing arrangements, please contact us via a Chat message in Internet Banking, or call us on 0330 355 0355 or. To avoid delays, please do this before submitting your form.
You can return your completed form to us by freepost at:
Freepost TRIODOS BANK
Our freepost address is Royal Mail registered and simple to use - write it on your envelope exactly as shown above (no stamp required) and your letter will get to us free of charge by second class mail.
For first class mail, you can post using a stamp to:
Triodos Bank
Deanery Road
Bristol
BS1 5AS
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Every Stocks and Shares ISA, Junior Stocks and Shares ISA or Impact Investment Account has a linked Cash Account. Cash Accounts are used for:
- holding the cash that you will use to make new investments, including regular monthly investments
- receiving dividend payments
- receiving proceeds from selling shares
- holding cash to cover your Annual Service Charge (which is charged quarterly)
You may have more than one Cash Account as a separate Cash Account is needed for each investment account you have. For example, you may have one Stocks and Shares ISA Cash Account, a Junior Stocks and Shares ISA Cash Account, a sole Impact Investment Cash Account and a joint Impact Investment Cash Account.
You will see your Cash Account coupled next to the Stocks and Shares ISA, Junior Stocks and Shares ISA or Impact Investment Account it is linked to, in your account ‘Overview’ in the Triodos Mobile Banking App or Internet Banking.
If you are adding money to your Cash Account for the first time, then this will need to be transferred from your nominated bank account. Subsequent payments into your Cash Account (ready to purchase more shares or to cover your Annual Service Charge) can come from any of your accounts. Take care to select the correct Cash Account to transfer money into as you may have more than one Cash Account as described above. You can find your Cash Account bank account number within the Mobile App or Internet Banking.
Once you add money into a Stocks and Shares ISA Cash Account or a Junior Stocks and Shares ISA Cash Account, this will count as an ISA subscription for the current tax year.
Money held in a Stocks and Shares ISA or Impact Investment Cash Account can be transferred out to your nominated bank account, but withdrawals are not permitted from Junior Stocks and Shares ISAs. You may want to keep some money in your Cash Account to cover the Annual Service charge (charged quarterly), to cover regular monthly investments or to have a balance available to purchase more shares on an ad hoc basis. If you do not keep enough money in your Cash Account to cover your Annual Service Charge, we will instruct to sell shares in your investments to cover the required amount. See What are the charges for investing? for more details on the Annual Service Charge.
You may also wish to set up a standing order to make regular payments into your Cash Account, to ensure money is available for your quarterly Annual Service Charge and/or for any regular monthly investments you set up. For more information see How do I add money to my Cash Account?
If you set up a standing order into your account, please ensure the money will be received and cleared in your Cash Account before your monthly investment date, bearing in mind that standing orders will not be processed on a weekend or a bank holiday.
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If you are adding money to your Cash Account for the first time, then this will need to be transferred from your nominated bank account. Subsequent payments into your Cash Account (ready to purchase more shares or to cover your Annual Service Charge) can come from any account in your name. Take care to select the correct Cash Account to transfer money into as you may have more than one Cash Account. For example, you may have one Stocks and Shares ISA Cash Account, a Junior Stocks and Shares ISA Cash Account, a sole Impact Investment Cash Account and a joint Impact Investment Cash Account.
You can find your Cash Account bank account number within the Triodos Mobile Banking App or Internet Banking, use this along with our sort code 16-58-10.
You may wish to set up a standing order to make regular payments into your Cash Account, to ensure money is available for your quarterly Annual Service Charge and/or for any regular monthly investments you set up.
If you set up a standing order into your account, please ensure the money will be received and cleared in your Cash Account before your monthly investment date, bearing in mind that standing orders will not be processed on a weekend or a bank holiday.
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There is an Annual Service Charge paid quarterly by Impact Fund investors and an Ongoing Charges Figure which is deducted from the fund daily and therefore not paid separately.
Annual Service Charge – paid by you quarterly
The Annual Service Charge is tiered, so customers who hold more than £250,000 in either their Triodos Impact Investment Account, Stocks and Shares ISA or Junior Stocks and Shares ISA will pay a lower percentage on the investment balance over this amount.
Holdings in either a Triodos Impact Investment Account or Stocks and Shares ISA
- The percentage charged per annum on any balance of holdings up to and including £250,000.00 is 0.40%
- The percentage charged per annum on any balance of holdings £250,000.01 and over is 0.20%
The Annual Service Charge (ASC):
- is a charge that is collected by Triodos Bank UK to cover costs of providing our investment service, including administration costs.
- is expressed as an annual percentage but calculated and paid quarterly, based on the average value of your holding across the previous quarter.
- is paid from money in the linked Cash Account or by selling shares if there isn’t enough cash available (see below for details).
On the first Calendar Day of a new quarter we will check your Cash Account to see if cash is available to cover the Annual Service Charge for the previous quarter. If cash is available, it will be earmarked and deducted on the first weekday of the quarter. If you do not have enough money in your Cash Account to cover an upcoming Annual Service Charge, we will try to contact you beforehand by email or letter to let you know, so that you can pay into your Cash Account if you would like to.
If there is an insufficient cash balance on this day, we will instruct to sell shares in your investments to cover the whole amount (there is no charge to pay your Annual Service Charge in this way). The dealing instruction will be automatically generated to proportionately sell enough shares within your account based on your holding on the first Calendar Day of the new quarter.
There may be occasions where we need to change the date on which we debit the Annual Service Charge (for example, if trading on a Sub-fund closes). If this should happen, we will take the Annual Service Charge within the first seven days of the quarter. If your Annual Service Charge is paid by selling shares, we will make sure you are not disadvantaged if the price per share is different to the price that would have applied at the beginning of the quarter.
For more information, please also see How can I pay for my Annual Service Charge? and How do you decide which shares to sell from my holdings to cover my Annual Service Charge?
Please be aware that the sale of shares to cover the Annual Service Charge is classified as a disposal for Capital Gains Tax purposes and may need to be declared to HMRC (unless they are held in a Stocks and Shares ISA or Junior Stocks and Shares ISA).
The Annual Service Charge will be itemised on your quarterly statement, which provides a breakdown of all charges applied over the previous quarter along with any additional trades during the period.
Ongoing Charges Figure – deducted from the fund daily and not paid separately by you
The Ongoing Charges Figure (OCF):
- is the ongoing costs of running the funds, also known as the Total Expense Ratio or TER). The OCF includes the fund managers Annual Management Charge and other expenses of running the fund, such as the board of directors and audit fees. The Annual Management Charge is the charge taken by Triodos Investment Management to select investments based on their sustainable and financial performance.
- is expressed as an annual percentage and calculated and deducted from the fund daily. The charge is reflected in the value of the fund and you do not need to pay for it separately.
- can be found in the Key Investor Information Document (KIID) and may vary.
- includes the cost of converting between sterling and euros when buying and selling, which is charged at 0.2% of the exchange rate used (this fee is not applied directly to individual investments, it is shared by all euro and sterling investors in the fund and is already accounted for in the published share price).
Please visit the fund pages on our website for details of the current OCF:
Triodos Global Equity Impact Fund
Triodos Future Generations Fund
Triodos Sterling Bond Impact Fund
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By completing an application for any of our Personal Savings accounts online you are automatically registered for Internet Banking and can manage your account online.
If your application was made by post, then Internet Banking access is available for the following Personal Savings accounts:
- Triodos Saver
- Triodos Cash ISA
- Triodos Regular Saver
- Triodos Fixed Regular Saver
- Triodos Charity Saver
You can also access Triodos Right Start Saver and Junior ISA accounts online, but you can't make payments from these accounts.
If you want to apply to manage your existing Triodos account online, download the application form below or call us on 0330 355 0355 and we'll send you one. Before completing an application form, please ensure you have read our Terms and Conditions for personal savings accounts below.
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When you pay funds into your Account, your funds will start earning interest from the day the funds are paid into your Account.
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The Financial Services Compensation Scheme (FSCS) is a UK body which gives you automatic protection up to £120,000 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 £120,000 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 £120,000 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.
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We are not currently opening new Junior Cash ISAs, however you can transfer funds from your Right Start Saver into an existing Junior Cash ISA, subject to the Junior ISA allowance of £9,000 for the 2026/27 tax year.
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A nominated account is an account in your name(s) with either another UK bank or building society, or an existing Triodos Bank UK account that allows you to transfer funds.
You need a nominated account when applying for one of our accounts online and your opening deposit must be made by electronic transfer from your nominated account. Also if you want to transfer money from your account online, you must do so to your nominated account or another Triodos Bank UK account in your name.
You may have up to three nominated accounts. In the case of sole Account holders, they must all be personal accounts held in your name. In the case of joint Account holders, you may choose one joint personal account held in both your names and one sole personal account each.
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A key element of our mission and values is to protect and promote human dignity for all. That includes our responsibilities to our own co-workers. We expect all customers, applicants, enquirers, and others to treat our teams with respect at all times. We want to make it clear that we do not tolerate inappropriate behaviour towards our co-workers or while using our services. For example, behaving in a threatening or abusive or offensive or intimidating/harassing manner to our co-workers; or using abusive or offensive language in payment instructions or in any contact with us. If ever our co-workers experience such behaviour, they are authorised to terminate communication via the contact channel being used. Where appropriate, we may also then look to withdraw/restrict/suspend our services; and/or to close the account(s) of the customer involved; and/or to report such incidents to the Police or others.
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Yes.
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If you have another smartphone or tablet, you can download the Triodos Mobile Banking App from the App Store or Google Play and set up access on there.
If you need to purchase a replacement device, your debit card will still work in the meantime.
This means you can still:
- pay for a replacement device in store (or make other purchases)
- withdraw cash from an ATM (please remember the daily withdrawal limit from any ATM is £300 unless you have amended this in your settings).
If you are struggling to manage your account or make payments while you are replacing your device, please call us to discuss how we can help you during this period.
Please refer to our Contact, FAQs & Help page, or call us on 0330 355 0355 or +44 (0)117 973 9339 if you are not in the UK.
If you are calling outside of these hours, you can still speak to our card services at any time 24/7.
If you lose an Apple Pay enabled device, you can deactivate Apple Pay by placing your device in 'Lost Mode' via Find My iPhone or by 'Removing All Cards' on icloud.com.
If you lose a Google Pay enabled device, you can deactivate Google Pay by going to the Google Payments centre or by contacting the helpline.
If you are unable to call us, and you don’t have the ability to borrow a phone from a friend or family member, you can email us on [email protected] and mark your email subject as ‘Urgent’. Your email must come from the email address which is registered with us. We will endeavour to respond to your email as soon as possible. Please be aware that email contacts are not usually supported and so should not be used as a regular means to contact us.
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You can save any amount between £500 and £1,000,000.
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While setting up your Triodos App you provide two things:
1. Photos of your ID
To verify your identity and match the details to those we have for you. A fraudster couldn't use their own ID, as their details will not match the information we already hold. The photos you take are from different angles so we can identify fake documents and ensure no one else is attempting to access your account.
2. A live recording of your face
To compare this to your ID, and confirm that it is you setting up the app. This prevents a fraudster from gaining access to your accounts using a fake copy of your ID. This is a digital version of an ‘in-person’ identity check that happens at a high street branch of a bank.
Then you simply choose a passcode which will be linked only to your device. This means that no one else can use your passcode to get into your accounts on their device.
Your ID photo and selfie recording will be held and protected by Triodos Bank and our digital identity verification partner, Fourthline. Please see our Terms & Conditions for more information and our Privacy Policy for how we hold and protect your data.
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We'll write to you one month before your bond matures, asking you where you’d like your funds to go. If you have internet banking you will be able to make your choice online and can decide to either reinvest or transfer your matured funds to another account.
If we don’t hear from you before your bond matures, we’ll open a variable rate savings account on your behalf and write to let you know. There will always be opportunities for you to reinvest your money with Triodos, and we hope you choose to do so.
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Yes. You can transfer an existing cash ISA to your Triodos cash ISA. If you don't already have a Triodos cash ISA, you will need to open one first. Explore our range of ethical ISAs to find the right one for you, then apply via the Triodos Mobile Banking App.
To request the transfer, you’ll need to download and complete the relevant form below. The forms are interactive so you can fill out your details online, but you’ll need to print the form and sign it using a pen before returning to 'Freepost TRIODOS BANK'. Alternatively, you can submit your signed and completed form via the chat function in the Triodos App.
We’ll transfer your money directly between your ISAs and protect your tax-free ISA status. Do not move your money out of an ISA yourself, because your money will lose this ISA status.
The transfer process usually takes between 14-30 days. We’ll write to you when the transfer is complete.
If you are transferring to a new Fixed Rate ISA, please note that it can take up to 30 days to complete a transfer. We must receive your money from your existing provider within 60 days of the Fixed Rate ISA account opening date, so please make sure you start the transfer process as soon as possible.
Downloads
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After the first 30 days, you cannot withdraw your funds or close the account. The account can only be closed before the end of the term on death of a sole depositor, or in certain exceptional circumstances at our discretion. Where the bond is held in joint names, on the death of one account holder we will require a new mandate and transfer the bond into the name of the remaining account holder.
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We can pay it on the first of each month into an account you choose when you apply, or we pay it annually on the anniversary of your Bond, and at the end when the bond matures.
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Right Start Saver accounts are for people aged 18 and under. We’ll be in touch when the account holder turns 18. If we don’t hear back from you, we’ll close the account and transfer the funds to another Triodos account, until we receive your instructions.
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Yes, it is possible depending on what type of savings account you have.
You can change an existing Triodos savings account to a different type of Triodos savings account.
You should read the information on our savings product pages to decide which savings account suits you best. Once you have found a savings account that meets your needs, download and complete the relevant change of type form below.
You should read the relevant Summary Box along with the Terms and Conditions for our personal savings accounts and FSCS Information Sheet before downloading and completing a form to change your savings account.
Once you have read this important information and completed the form, please post it to us at:
Freepost TRIODOS BANK
On receipt of a completed request, we will change the type of savings account you hold, the balance of your account and your account number will remain the same. We will write to you to confirm when we have actioned your request.
You can change your existing Triodos savings account to one of the following types of Triodos savings accounts:- Triodos Online Saver
- Triodos Online Saver Plus
Changes to a different type of savings account are not permitted from Triodos Ethical Savings Bonds, Triodos Right Start Saver, Triodos Fixed Regular Saver, Triodos ISAs, Community Investor, High Interest Cheque Account, Personal Savings Account, Social Investor Cheque Accounts and SIPP Deposit Accounts.
If you want to move only part of your balance to another type of savings account, this can be done through making a transfer in Internet Banking or for non-online only accounts you can send us a signed written request to make a transfer which should be posted to us at;
Freepost TRIODOS BANK
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The person with legal parental responsibility who opened the account. When the account holder turns 16 the child may apply to be the account operator.
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From the age of 16, the account must be held in the name of the young person. We’ll be in touch at the time to let you know what you need to do.
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Banking apps can be safer than online banking as they are not prone to fraudulent activity such as phishing. Unlike your browser, apps have security built in and don't store your personal data on your device.
Banking apps are secured with a numeric code and biometric data, which means a third party cannot use your banking app.
All banking transactions are done via the app. A banking app encrypts your data before it leaves your device. As a result, no one can intercept your data.
At Triodos, we take security very seriously - visit our Fraud Awareness pages for more information on how we protect our customers and things you can do to stay safe online.
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The notice period has been removed from Triodos Cash ISA, Triodos Saver and Triodos Charity Saver. As a result these are now instant access accounts and no early access penalties will be applied.
For Fixed Rate ISAs withdrawals are not allowed until maturity. The only exception to this is if you close the account and/or transfer the full balance to another ISA. Early closure will result in an early access charge being applied equivalent to a number of days of interest.
2 year term – 180 days’ interest
3 year term – 270 days’ interest
The charge will be taken from the account balance, so you may get back less than originally deposited. In exceptional circumstances the early access charge can be waived at our discretion.
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Related how-to guides
How to buy shares or top up your impact investment
How to apply for a Triodos business or charity savings account
How to transfer an existing Junior ISA to a Triodos Junior Stocks and Shares ISA
How to transfer an ISA to a Triodos cash ISA
How to set up a regular monthly investment
Change the type of cash ISA held with Triodos Bank
How to transfer an existing ISA to a Triodos Stocks & Shares ISA
How to update your account and personal details
Related downloads
- Financial Services Compensation Scheme (FSCS) information sheet126 KB, PDF
- Privacy Statement≈ 1 MB
- Interest rates for personal accounts - including discontinued accounts115 KB, PDF
- Terms and Conditions for our personal savings accounts244 KB, PDF
- Savings factsheet85 KB, PDF
- Personal Savings: Change of account type request form≈ 1 MB
- Personal banking tariff for current and savings accounts≈ 1 MB
- Triodos mobile app terms and conditions≈ 1 MB
- Terms and Conditions for our Impact Investment Funds, Ethical Stocks and Shares ISA and Junior Stocks and Shares ISA286 KB, PDF
- Business Banking change of account operator form≈ 1 MB
- Business banking tariff of charges≈ 1 MB
- Transfer to the Triodos Junior ISA from another provider≈ 1 MB
- Business banking tariff of charges ≈ 1 MB
- Business Accounts Eligibility Criteria≈ 1 MB
- Change Permissions or Remove Account Administrator Form198 KB, PDF
- Ethical Savings Bond Summary Box136 KB, PDF
- Terms and conditions for Businesses and Charities - effective from 28 April184 KB, PDF
- Triodos Online Saver Plus Summary Box - effective from 20 January 2026123 KB, PDF
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