We moved to a new investments administration system at the end of November 2022. You will be able to view transactions after this date in the Mobile App or Internet Banking. To check any transactions prior to this date you will need to check the quarterly statements we have previously sent you.
Alternatively, you will be able to find contract notes for all historic transactions in Internet Banking.
Every Stocks and Shares ISA or Impact Investment Account has a linked Cash Account. Cash Accounts are used for:
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 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 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 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, use this along with our sort code 16-58-10.
Once you add money into a Stocks and Shares ISA Cash Account linked to a Triodos Stocks and Shares ISA, this will count as an ISA subscription for the current tax year.
Money held in your Cash Account can be transferred out to your nominated account, though 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 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.
Trades are submitted to the fund manager at 10am each Business Day. So you can cancel a trade which has not been dealt at any time prior to this.
To cancel a pending instruction, go to your investment account in Internet Banking or the Mobile App where you will find ‘Pending’ instructions under the ‘Transactions’ section. Click on the instruction you would like to cancel, you will be shown the key dates for your instruction and a cancel button (which will not be shown if your instruction has now been dealt and is therefore no longer pending). Select ‘Cancel’ then click ‘Continue’ to confirm you would like to cancel your instruction. You will then see a message confirming that your instruction has been cancelled.
If you are adding money to your Cash Account for the first time, then this will need to be transferred from your nominated 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 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.
We offer four impact investment funds - the Triodos Global Equities Impact Fund, the Triodos Pioneer Impact Fund, the Triodos Future Generations Fund and the Triodos Sterling Bond Impact Fund. All the Impact Funds are available in two different share classes, distribution and capitalisation.
You can invest from as little as £25 per month when setting up a regular monthly investment, or from £250 for a lump sum or top up.
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 or 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 Annual Service Charge (ASC):
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.
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).
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):
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
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.
Then simply return it to ‘Freepost TRIODOS BANK’ and we’ll transfer the funds directly between your ISAs and protect your tax-free ISA status. Do not move funds 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 the funds 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.
You can sell shares in the Triodos Impact Investment Funds through the Triodos Mobile Banking App or Internet Banking. See our guide on How to sell your impact investment shares.
The Annual Service Charge is tiered, so customers who hold more than £250,000 in either their Triodos Impact Investment Account or 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 Annual Service Charge is calculated pro-rata quarterly based on the average value of your holding across the previous quarter. You can therefore look at your total holding and use this percentage to calculate the approximate charge. For example, if your average holding value for the quarter was £10,000, your Annual Service Charge will be £10 for that quarter.
If you don’t have sufficient cash in your Cash Account to cover your upcoming Annual Service Charge when we check your available balance on the first Calendar Day of a new quarter, we will arrange to sell some of your shares to cover the charge (there is no further charge to pay your Annual Service Charge in this way).
For more information see How do you decide which shares to sell from my holdings to cover my Annual Service Charge?
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.
Yes, once you add money into a Stocks and Shares ISA Cash Account linked to a Triodos Stocks and Shares ISA, this will count as an ISA subscription for the current tax year.
Whilst adding money to the Cash Account will count as an ISA subscription, dividends and sale proceeds paid into the Cash Account will not count as subscriptions.
Please note that the Triodos Stocks and Shares ISA is not a flexible ISA, and therefore cash withdrawn from a linked Cash Account cannot be replaced in the same tax year without the replacement counting towards your ISA allowance for the current tax year.
There is a 14 Calendar Day cancellation period applicable to susbcriptions into a Stocks and Shares ISA Cash Account. Any cancellation must be carried out by us, so if you want to cancel a subscription (for example, if you have accidentally transferred money into your Cash Account), please contact us and we will arrange this for you.
You can transfer some or all of an existing ISA to a Triodos Stocks and Shares ISA and invest in the Triodos Impact Investment Funds - without losing your tax-free ISA status. See How to transfer an existing ISA to a Triodos Stocks and Shares ISA and follow the transfer process to ensure your ISA transfer occurs without affecting your ISA allowance. Do not move funds out of an ISA yourself, because your money will lose this ISA status.
As purchases and sales are instructed on a forward value basis (that is, we don’t know the Price Per Share to be used until the day after the instruction is completed), only allowing up to 90% of your holding to be sold will allow for price fluctuations. If you instead ask us to sell your whole holding, this will be an instruction for the entire amount in number of shares rather than by value.
The gain and/or loss shown in the Mobile App and Internet Banking shows the current value of your investment less the value of any purchases at the time that they were bought.
The gain/loss shown is calculated from when we moved to our current investments administration system on 25 November 2022. Any gain/loss from investments held prior to that date will not be included in the calculation.
You can use your ISA allowance by 'wrapping' your existing impact investment funds in our Stocks and Shares ISA. Within the Stocks and Shares ISA you benefit from no further tax on income and no capital gains tax. The benefits of an ISA depend on your individual circumstances and tax rules may change in the future.
To wrap your existing holding in an ISA it must be sold and repurchased. The process of making this double transaction is also known as a 'Bed and ISA'. Follow the 3 steps below to do this:
Please note, when selling your holding outside of the ISA wrapper you will realise a capital gain or loss. Most people have a capital gains allowance of £3,000 (for the 2024/25 tax year), any gain below this amount means there is no charge on any profit you made. If you happen to make a capital loss this can be used to offset future capital gains.
We will take your Annual Service Charge in one of the following two ways:
Please note that if you have a Stocks and Shares ISA and have fully subscribed for the tax year, then you will not be able to add money to your linked Cash Account and your only option for payment of the charge will be for us to sell shares to cover the charge.
For more information, please also see What are the charges for investing?
After a buy or sell trade is confirmed, you will be able to download a contract note in the Triodos Mobile Banking App and/or Internet Banking. Once in your Stocks and Shares ISA or Impact Investment Account, go to ‘Transactions’ and underneath ‘Transactions’ click on ‘Completed’ which will show you the details of all your purchases and sales including:
• £ amount bought or sold
• Number of shares bought or sold
• Price per share at the time of the transaction
• A download button through which you can download a PDF contract note
You can also see ‘Pending’ purchases or sales under ‘Transactions’.
Previously, if you did not subscribe to your ISA in the previous tax year you may have had to redeclare your ISA eligibility before you could make further subscriptions. From 6th April 2024 this is no longer necessary.
The only circumstance where we will ask you to redeclare your ISA eligibility is if you were living abroad and have now returned to the UK and wish to subscribe to your ISA again.
If you wish to do this please call us on 0330 3550 355 (or +44 117 973 9339 from abroad) or send a secure message in Internet Banking.
Yes, you can. You may find it helpful to rename your accounts to make identifying and distinguishing them a bit easier. To do this, go into ‘Account settings’, select the account you would like to change the name of, then click on ‘Account name’. Once here you can amend the account name.
If you don’t have sufficient cash in your Cash Account to cover your upcoming Annual Service Charge when we carry out the check on the first Calendar Day of a new quarter, we will arrange to sell some of your shares to cover the charge (there is no charge to pay your Annual Service Charge in this way).
We will calculate your Annual Service Charge based on your average holding across the previous quarter. If you have holdings in more than one fund or share class, we will sell shares from each proportionate to the value you have in each fund/share class based on your holding on the first Calendar Day of the new quarter. For example, if your average holding for the previous quarter is £12,500 with £7,500 in the Triodos Global Equity Impact Fund (3/5ths of the average holding) and £2,500 in the Triodos Pioneer Impact Fund (2/5ths of the average holding) on the first Calendar Day of the new quarter, then your Annual Service Charge will be £12.50 in total with £7.50 (3/5ths) deducted from your Triodos Global Equity Impact Fund holding and £5.00 (2/5ths) deducted from your Triodos Pioneer Impact Fund holding.
There are different levels of risk associated with each fund offered. You must read all supporting documentation for each fund to make sure you can make an informed investment decision.
The Triodos SICAV I Key Investor Information Documents show a risk scale between 1 to 7, with 1 as the lowest risk and 7 as the highest risk. Bond funds are generally considered to be lower risk and therefore offer the potential for lower returns than equity funds, so you will see this reflected in the risk ratings of the Triodos Sterling Bond Fund compared to the Triodos Global Equities Impact Fund, Triodos Pioneer Impact Fund and Triodos Future Generations Funds.
You can find the Key Investor Information Document for each of our funds below:
Triodos Pioneer Impact Fund KR-Cap
Triodos Pioneer Impact Fund KR-Dis
Triodos Global Equities Impact Fund KR-Cap
Triodos Global Equities Impact Fund KR-Dis
Triodos Future Generations Fund KR-Cap
Triodos Future Generations Fund KR-Dis
Triodos Sterling Bond Impact Fund KR-Cap
Triodos Sterling Bond Impact Fund KR-Dis
If you are unsure as to the appropriateness or suitability of investing in the funds and/or with Triodos Bank, you should contact an Independent Financial Advisor. The value of investments and the income derived from them may go down as well as up and you may not get back the amount originally invested.
You can purchase shares in the Triodos Impact Investment Funds through the Triodos Mobile Banking App or Internet Banking. See our guide on How to buy shares or top up your impact investment.
You can withdraw money from your Cash Account by setting up a transfer to your nominated account or another Triodos account in your name, using either the Mobile App or Internet Banking.
The term Savings describes accounts in which you deposit money and earn a set rate of interest, such as our Cash ISA or Saver accounts. Triodos Bank only lends deposited money to organisations that are making a positive environmental, social or cultural impact, and we publish details of every organisation we lend to on our website.
The term Investments refers to accounts in which you can buy assets such as shares in stock market listed companies. With all investments your capital is at risk and you may not get back the full amount you invested and investments should be considered for the long term i.e. 5 years or more. Payment of income or interest is variable and not guaranteed.
Like with our Savings accounts, all Investments made via Triodos Bank are used to support businesses that are making a positive environmental, social or cultural impact and we publish details of all the investments we make. For example, through the Triodos Impact Investment Funds you can invest in a diverse portfolio of stock market listed shares and bonds. We publish the entire portfolio of both funds on our website:
The Triodos Impact Investment Funds are sub-funds of Triodos SICAV I, a “Société d’Investissement à Capital Variable” established in Luxembourg. Triodos SICAV I has a Passport into the UK, enabling UK distribution. Triodos SICAV I, including its sub-funds, is governed by the law of the Grand Duchy of Luxembourg.
The funds being offered in the UK are:
Triodos Global Equities Impact Fund
Triodos Global Equities Impact Fund offers investors the possibility to invest in equities issued by larger listed companies worldwide delivering superior social and environmental performance within their sector as well as a strong financial performance.
Triodos Pioneer Impact Fund
Triodos Pioneer Impact Fund provides investors the opportunity to invest in equities issued by innovative and pioneering small and medium-sized listed companies worldwide that focus on the sustainable themes of climate protection, clean planet, healthy living, and or corporate social responsibility.
Triodos Future Generations Fund
The Triodos Future Generations Fund focuses particularly on the welfare of children across the world such as child health and survival, access to education, protection from violence and exploitation, environment and climate, and equality and inclusion.
Triodos Sterling Bond Impact Fund
The Sterling Bond Impact Fund aims to generate positive impact and a stable income from a portfolio of bonds such as corporate, green and social bonds, and bonds issued by the UK government known as gilts.
You can choose to have any income generated by your investment in Triodos Impact Investment Funds automatically reinvested for capital growth or paid out to your Cash Account. Please note that income is variable and not guaranteed.
To have any income generated automatically reinvested you should purchase capitalisation shares, where any income generated by the underlying holdings is retained within the fund and reinvested, increasing the value of the shares.
To have any income generated paid out you should purchase distribution shares, where income generated by the underlying holdings is distributed as a dividend payment to your Cash Account. You can then choose to withdraw this to your nominated account or another Triodos account in your name if you wish.
Once a dividend has been paid, there will be an income statement available to download in the Mobile App or Internet Banking, to help with completing your tax return. You will find this under the ‘Transactions’ for your Stocks and Shares ISA or Impact Investment Account.
No, there is no interest paid on our Cash Accounts. This is because these accounts are meant to make it easy for you to make investments, they aren’t designed as a long-term home for savings.
If you do not yet know what you would like to do with the money you hold in a Cash Account, you may want to consider other options, for example you may wish to transfer funds from a Stocks and Share ISA Cash Account to a Cash ISA such as the Triodos Online Cash ISA or move funds from an Impact Investment Cash Account to a savings account such as the Triodos Online Saver or Triodos Online Saver Plus.
Alternatively, you can keep a cash balance in your Cash Account from which you can make regular monthly investments. For more information see How to set up a regular monthly investment?
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