You will need to complete a Change of Account Operator form. Please select the correct form depending on whether you have a loan, current account or deposit account. The forms can be found below, or we can send a form to you if you don’t have access to a printer. We will change these details when we receive the completed form signed by the existing account operator(s).

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 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.

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 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. 

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):

• 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 Pioneer Impact Fund

Triodos Future Generations Fund 

Triodos Sterling Bond Impact Fund

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.

There is no rush to deal with the personal accounts of someone you have lost. Once you have notified us that they have died, we will freeze their accounts to keep them safe. We will support you in managing their Triodos accounts as soon as you are ready.

What happens next will also depend on the type of accounts held:

• Joint accounts will remain open in the name of the surviving account holder, who will be able to use the accounts as normal.
  
• If there was a Power of Attorney in place for the person who has died, please be aware that we will remove Powers of Attorney from the account. This is because the Power of Attorney becomes null and void when the person this was for has died.
  
• If the late customer held an ISA, and has a surviving spouse or civil partner, please note that an Additional Permitted Subscription (APS) must be completed within three years of the date that they died. Please see our FAQ to find out more: Does Triodos offer an Additional Permitted Subscription (APS) for Individual Savings Accounts (ISAs)?
• ISA accounts will be closed 3 years and 1 day after the date of death, if an instruction to close the ISA has not been received from the representatives of the estate, to comply with HMRC rules.

We understand that this can be a really difficult time for you and your loved ones. If you would like to talk to someone about it, we recommend contacting Cruse Bereavement Care on their free helpline or web chat.

We’re doing our very best to support our customers and other ethical organisations during this difficult time. If you are an existing lending customer, please contact your Relationship Manager to discuss your circumstances.

A new debt finance programme, the Recovery Loan Scheme (RLS) 3, was announced by the Government and will come into effect shortly. Whilst we were accredited under the CBILS and original RLS schemes, we are not an accredited lender for RLS 3 at this moment in time. If you are looking to access this scheme, more information can be found on the British Business Bank website.

If you have a question regarding your existing CBILS or RLS facility with Triodos Bank, please contact your Relationship Manager.

Yes, you can transfer other cash ISAs into a Triodos Fixed Rate Cash ISA. You can transfer previous and current years subscriptions held in another cash ISA. Transfers must be complete and your money received into your Triodos Fixed Rate Cash ISA within 60 days from account opening.

The timescales can vary significantly and are often dependent on a wide range of factors. Things like applying for Probate can take a long time and may slow things down. For this reason, if you tell us that you’re applying for Probate, we won’t contact you for at least six months. 

If you’re not sure what’s happening with the process, or whether we're still awaiting outstanding documentation, please contact us on please give us a call on 0330 355 0355 (or +44 117 973 9339 from abroad). Lines are open from 8am-6pm, Monday to Friday, and 9am-6pm on Thursdays. 

The Government has set up several schemes to support businesses through the challenges of Covid-19:

Coronavirus Business Interruption Loan Schemes
There are now several different loan schemes in place to help businesses affected by the Covid-19 outbreak to access bank lending and overdrafts. The distinct schemes are designed to support different kinds of organisations, dependent on size and financing need.

Coronavirus Job Retention Scheme
All UK employers with a PAYE scheme are able to access this support in order to continue paying part of the salary for those employees who would otherwise have been laid off during this crisis (‘furloughed workers’). 

Statutory Sick Pay Rebate
This initiative allows small and medium-sized businesses to reclaim Statutory Sick Pay paid for staff absence due to coronavirus

HMRC tax helpline
HMRC has set up a helpline for businesses and self-employed people who are concerned about paying their tax due to COVID-19.

Three-month VAT Deferral
Defer Valued Added Tax (VAT) payments due between 20 March 2020 and 30 June 2020

Small business grant funding
Available for small businesses in England that already pay little or no business rates because of small business rate relief, rural rate relief and tapered relief. Some aspects of business support are devolved. For business support outside of England go to Scotland, and Wales.

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.

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.

Tree-oh-dos

Phishing is a common type of internet fraud. Phishing emails are designed to appear as though they are from a legitimate source, but intend to steal personal information that can be used to access your account.

Do not respond to any email that asks for any information in relation to your internet banking log in details. If you have received a suspicious email, do not respond and call us if you need any further information.

Our opening hours are published on our help and support page. 

We are part of the Current Account Switch Service so customers can switch current accounts to Triodos Bank from another UK bank or building society quickly and easily.

You can use the Triodos App to log in to Internet Banking by following these steps:

1. Go to the Triodos login page on your internet browser and select the tab called ‘Log in with mobile app’.
2. Open the Triodos App on a second device and tap the QR button in the corner of the login page.
3. Scan the QR code on your internet browser with the scanner.
4. Use your passcode, fingerprint or face recognition when prompted in the app.
5. Tap ‘confirm’ in the app and Internet Banking will automatically log in.

Money mules are people used to help launder money, often without realising that’s what they’re doing. They help move illegitimate funds (money gained illegally) between accounts so that the money then appears to be legitimate. They may be asked to receive money into their account, then withdraw it and put it into another account, sometimes in another country. Sometimes the money mules are offered compensation or commission.

Even if money mules don’t know the money they’re transferring is fraudulent, they are still committing fraud and money laundering, and could be sentenced to time in prison or to pay a fine.

Money mules are often recruited into this activity through false job adverts, or social media posts that promote quick money-making opportunities. Sometimes they are duped by fake social media profiles that pretend to want a romantic relationship with the victim to gain their trust and affection before asking this favour or blackmailing them. This is also known as romance fraud.

Never move money between accounts you don’t know and trust, especially because someone else has asked you to, or if you don’t know where that money has come from. If you are suspicious of money laundering, call us immediately on 0330 355 0355.

(From abroad:  +44 117 973 9339)

We're open 8am-6pm Monday-Friday (9am-6pm Thursday)

Lost or stolen card? Contact us to report it immediately - our card services team is here for you 24/7.

If you'd like to write to us, you can do so 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 in the normal way to:

Triodos Bank
Deanery Road
Bristol
BS1 5AS

As an online bank, we don't provide counter banking services, but we're always pleased to meet with our business customers - simply make an appointment with your relationship manager.

Our regional business banking offices can be found at:

Triodos Bank
20 Old Bailey
London
EC4M 7LN

Triodos Bank
Abbey House
83 Princes Street
Edinburgh
EH2 2ER

£20,000 per day for Personal current account payments

£100,000 per day for Personal savings account customers.

£100,000 per transaction for Business customers.

The Faster Payment limit is cumulative and includes all amounts authorised on that day, even payments set for a future date. You are able to make multiple Faster Payments a day, but once the daily limit is reached, the payment needs to be made as a CHAPS payment, with a fee of £20.00.

If you are making payments above £20,000 there are new daily payment limits. Find out more.

Our Edinburgh office is a base for our business banking team in Scotland.

Triodos Bank
Abbey House
83 Princes Street
Edinburgh
EH2 2ER

Please note that in order to protect our co-workers and to help reduce the spread of the Coronavirus, all our offices are closed to visitors from the general public at this time.