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:

• Triodos Global Equities Fund
  
• Triodos Pioneer Impact Fund
  

We will publish a list of all bonds and gilts in the Triodos Sterling Bond Impact fund’s investment portfolio once launched.

We 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.

£20,000 per day for Personal current account payments

£100,000.00 per day for Personal savings account customers.

£100,000.00 per transaction for Business customers.

If you are making payments above £20,000 there are new daily payment limits. Click here to find out more.

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.

• Provide around the clock debit card transaction monitoring
• We are available 24 hours a day, seven days a week for all calls relating to debit card queries (such as lost or stolen cards)
• Give you the ability to block your card by sending us a text message
• Temporarily block accounts and debit cards if fraudulent activity is suspected
• Log you out of internet banking and the app after a period of inactivity
• Keep you up-to-date with the fraud protection advice
• Use a secure three-stage log in with a digipass for personal current account holders
• As a personal account customer you can receive alerts by text message when online or card transactions are made
• Temporarily suspend your internet banking if left dormant for a long time
• Only contact you via your registered details

We will never contact you out of the blue to ask you:

• for your digipass PIN
• for your card number or PIN
• for your mobile app passcode
• to transfer money out of your account
• to click a link in an email to our internet banking

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.

To top up a Triodos cash ISA you can:

• Make an online transfer from another account (either an account with another provider or another Triodos account that allows withdrawals).
• Transfer by cheque if the Triodos cash ISA you want to top up accepts cheque.

The following accounts do not accept cheque payments:

• Online Cash ISA
• Fixed Rate Cash ISAs
• 90 Day Notice Online Cash ISA
  

If you want to deposit a cheque, please post it along with your account details or a paying-in slip to: Freepost TRIODOS BANK

The Triodos Bank sort code is 16-58-10 and you can find your Triodos cash ISA account number on your statements.

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. This means it is not possible to deliver cheques to our office in person.

Cash 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. Please include the sort code and account number of the account you wish the cheque to be credited to.

Please note that in order to protect our staff and to help reduce the spread of the coronavirus, all our offices are closed to visitors from the general public at this time. This means it is not possible to deliver cheques to our office in person.

Yes, there are charges for foreign payments. Transactions will be processed using the exchange rate set by Mastercard.

See our tariff of charges for full details or the Fee Information Document for more information.

Triodos Bank does not provide financial advice to savers and investors. We recommend that you seek the help of an Independent Financial Adviser. The following is general information about the changes, from 6 April 2016.

Cash ISA

With the Personal Savings Allowance (PSA), if interest rates were to rise then the level of savings you can have before having to pay tax on the interest could drop considerably. For example, at 5% AER a basic rate tax payer would only need £20,000 in non-ISA savings before they’d reach the £1,000 basic rate taxpayer allowance. This amount would drop to £10,000 for a higher rate taxpayer with an allowance of £500. Additional rate taxpayers are not eligible for a PSA but can still save tax free in an ISA. If your income changes, your tax rate may change and so this may lead to a change in your PSA.

Any interest earned on ISAs does not count towards your PSA. If you earn interest in non-ISA savings above your PSA, you’d have to pay tax on this.

Stocks and Shares ISA

Previously, dividends in a stocks and shares ISA were paid with 10% tax already taken off, which couldn’t be reclaimed. Following the introduction of the Dividend Allowance of £5,000 from 6 April 2016, dividends from a stocks and shares ISA will no longer have any tax taken off. They will be completely tax free regardless of their value, whereas dividends paid from non-ISA investments will be taxable over £5,000. There remains no Capital Gains Tax liability from a stocks and shares ISA.

We look to support any customer who needs urgent access to their savings due to the current situation around Coronavirus (Covid-19). If you need to arrange immediate access to funds please contact us.

Yes.

Screen scraping happens when you allow a third party to log into your computer while you are using it, so they see what you are doing and can copy the data on the screens you are viewing. This is a way for third parties to be able to get access to your payment data or account overview.

Triodos Bank is not in favour of this practice, as it potentially compromises the integrity of your own computer and your passwords.

To sell your Triodos Impact Investment fund, you must complete a Redemption Form and send it to:

Freepost RTAB-JGZR-BUHK
Triodos Bank
T. Bailey Asset Management Ltd
64-66 St James’s Street
Nottingham
NG1 6FJ

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. Alternatively, for first class mail, you can post your form to us in the normal way, simply copy our above address without the first line.

The proceeds of the sale will be sent to your nominated bank account within 3 business days of the dealing date.

Please note that if you are not selling the whole of your holding, a minimum fund balance of £500 applies. If your instruction takes the fund below that minimum balance we will try to contact you to establish how you would like to proceed, however if we are unable to contact you we reserve the right to reject your instruction pending further clarity.

You will be able to continue using your old account up to and until your switch date, when your funds will be transferred to your new account.

We offer three impact investment funds - the Triodos Global Equities Impact Fund, the Triodos Pioneer Impact Fund and the Triodos Sterling Bond Impact Fund. All the Impact Funds are available in two different share classes, distribution and capitalisation.

The minimum initial investment per Impact Investment Fund is £1,000, and the minimum top up amount is £500 per fund.

The minimum holding amount is £500 per share class. This means that your initial investment must be at least £1,000 per impact investment fund and £500 per share class. In addition to this, you are not able to sell part of your holding and leave a positive balance of below £500, and you will either need to sell your entire holding in that share class or if applicable a smaller amount.

We can pay it on the first of each month into an account you choose when you apply, or we pay it annually each January and at the end when the bond matures.

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:

• Regular payments (in and out) will be moved to your new account, and payments made to your old account after your switch date will be automatically redirected to your new account. Please note this doesn’t include any payments received from abroad.
• Any remaining credit balance in your old account will be transferred to your new account and your old account will automatically close.
• The switch process will be managed entirely by your new bank or building society and will be backed by the Current Account Switch Guarantee.

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.

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 nominated bank account. Please note that income is variable and not guaranteed.

To have any income generated automatically reinvested you should purchase capitalisation units, where any income generated is retained within the fund and reinvested, increasing the value of the units.

To have any income generated paid out you should purchase distribution units,  where income generated by the underlying holdings is distributed as a payment to your nominated bank account.

You can switch part or all of your holding to between units at any time by completing a switching form below.

Triodos will be offering Open Banking services from 14 September 2019, enabling providers to integrated their apps and tools with our systems via their API. Triodos will only facilitate the sharing of your account information with other parties when you have provided your explicit consent for us to do so. Find out more about Open Banking.