What are the charges for your personal savings and current accounts?
For more information about how much we’ll charge you for standard account services, please see our Tariff of charges for personal customers.
Related FAQs
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.
Was this helpful?
Yes, Confirmation of Payee, an account name-checking service, has been introduced to combat fraud and misdirected payment. Triodos is part of this 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.
Was this helpful?
His Majesty's Revenue and Customs (HMRC) ISA rules require you to make a declaration, when applying to open an ISA. This is to confirm that you are eligible to subscribe to your ISA.
If you haven't subscribed to your ISA for a whole tax year, then you need to declare your eligibility again and confirm that you haven't paid into another ISA of the same type in the current tax year. You will not be able to make any further deposits into your ISA until a new declaration is made.
You can make your declaration in Internet Banking. Go to 'Self Service’, ‘Account Settings’, ‘ISA Declaration Management’. Here you will be able to see the status of your ISA and if you need to declare your ISA the status will show as ‘Not declared’ - you can click on ‘Declare now’ to do this.
We will send a notification within the Triodos Mobile Banking App (in your ‘Feed’) and Internet Banking (in ‘Messages’) if you need to make a new ISA declaration.
If you have a cash ISA and don't have online access to your account, you'll need to complete and return an ISA declaration form to FREEPOST Triodos Bank. Download your Cash ISA declaration form.
Junior ISAs and Fixed Rate Cash ISAs do not need a new declaration to be made after the account is opened.
Was this helpful?
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.
Was this helpful?
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.
Was this helpful?
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
50 Frederick Street
Edinburgh
EH2 1EX
Was this helpful?
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.
Was this helpful?
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.
Was this helpful?
No, as the account is a savings account, and not a current account, it is not possible to have standing orders and direct debits with an Online Saver Plus.
Was this helpful?
To see what consents are active on your account, log into Internet Banking and go to ‘Account Profile’ and then ‘Open Banking Consents’. If you use our mobile app you can find this under ‘More’, ‘Preferences and privacy’.
Was this helpful?
To top up a Triodos cash ISA you can:
- Make an online payment from another account (either an account with another provider or another Triodos account that allows withdrawals).
- Send us a 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
If you want to deposit a cheque, please post it along with your account details or a paying-in slip to: ‘Freepost TRIODOS BANK’ (no stamp required)
The Triodos Bank sort code is 16-58-10 and you can find your Triodos cash ISA account number by logging in to your account online or via the Triodos Mobile Banking App, or by checking your bank statements.
Please note, if you have not paid into your ISA since 5 April 2022 you will need to declare your eligibility before transferring your money. For more information see Do I need to declare my ISA and how do I do this in Internet Banking?
Was this helpful?
The sort code for Triodos Bank is: 16-58-10
For foreign payments to a Triodos account the above sort code is not valid. Also mandatory information is needed to ensure a foreign payment reaches your account.
Was this helpful?
If you wish to change the details of your nominated account, you must send us a signed, written instruction by post to:
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
You are not able to amend your nominated account using Internet Banking. The instruction must include the details of the new nominated account (including the account name, six digit sort code and eight digit account number) and must be signed in accordance with the signature form previously returned to us. For joint accounts, the instruction must be signed by both account holders.
The new nominated account must be a personal sterling account held in your name(s) with another UK bank/building society or an existing Triodos UK account that allows you to transfer in funds.
We will not be able to process any written instructions unless we hold your signature on our records.
If you have not returned the signature reply form enclosed with your welcome letter sent to you when you first opened the account, please do so with your request to amend your nominated account. We may send further documents for you to sign to your registered address with us or request documents from you as an additional security measure before we will process your request.
If you cannot locate the signature reply form and you are still living at the address we have on our records then please send us a Secure Message from within internet banking to request a signature reply form. We will send this to your registered address for you to return to us together with your written request to amend your nominated account. We may send further documents for you to sign to your registered address with us or request documents from you as an additional security measure before we will process your request.
If we do not hold a signature for you on our records and you have moved from the address we hold for you on our records you will need to write to us with your new address and nominated account details enclosing one document from list A and one document from list B.
A - Identity Verification:
- Valid Passport
- Valid full or provisional UK / EU Drivers licence photo card or full old-style driving licence
- Valid identity card (EEA Member state or equivalent)
- HM Revenue & Customs HMRC Tax notification only (statement of account or notice of coding relating to the current year)
B - Address Verification:
- Original bank or building society statement showing recent transactions dated within the last 3 months
- Valid full or provisional UK / EU Drivers licence photo card or full old-style driving licence
- Current Council tax bill dated within the last 12 months
- Utility Bill dated within the last 3 months (mobile phone or broadband statements not acceptable)
- Mortgage statement within the last 12 months
HM Revenue & Customs correspondence relating to current tax year or dated within the last 3 months (whichever is earlier), must contain National Insurance Number
Was this helpful?
You can see how many withdrawals have been made from your Online Saver Plus account by checking the account settings page in Internet Banking. This page will also show you how many free withdrawals are left and your current rate of interest.
To find your account settings, log in to Internet Banking, go to ‘Self Service’, and then ‘Account Settings’. Select your Online Saver Plus account from the drop-down menu to see your withdrawal terms and limits information.
Was this helpful?
No. If you have applied for your Account by sending your application to us in the post, your opening deposit must be made by cheque. The cheque must be drawn on your personal sterling account held in your name. And made payable to yourself. We can also accept counter cheques, as long as they've been correctly endorsed on the back by the other bank. Your bank will need to stamp, sign and date the back of the cheque and confirm that the funds are drawn from an account in your name.
When you apply for an account online your opening deposit can only be transferred electronically from your nominated account. Please do not send a cheque.
Was this helpful?
If you think that you have had an account with Triodos in the past please gather as much information as possible relating to the account e.g. account number, type of account, date of the last transaction. If you have any statements of the account please have them to hand and call us, we can then investigate for you and advise you of the next steps. In some cases, we may request identification documents from you to release funds from the account.
Was this helpful?
Normally instructions given in internet banking to make a payment from your Triodos Cash ISA, Triodos Saver or Charity Saver account will only be carried out after the expiry of the notice period on your account. Any attempt to schedule a payment before then will be rejected.
If for any reason you need to withdraw your money earlier than the notice period, you will need to write to us by post or secure message in internet banking.
We will charge you the interest due on the amount withdrawn for the part of your notice period for which you have not given notice. So if you withdraw £500 on 15 Calendar Days’ notice from an Account set up on 33 Calendar Days’ notice, then a charge equivalent to the interest you would have earned on that £500 for 18 Calendar Days (i.e. 33 - 15) will be deducted from your Account.
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.
Was this helpful?
If you subscribed to your ISA in the previous tax year then you can continue to subscribe this tax year without needing to make a new ISA declaration. If you did not subscribe to your ISA in the previous tax year then you will need to declare your ISA before you can subscribe this tax year. The declaration states that you are eligible for an ISA and you have not paid into another ISA of the same type in the same tax year.
You can make your declaration in Internet Banking. Go to 'Self Service’, ‘Account Settings’, and then ‘ISA Declaration Management’. Here you will be able to see the status of your ISA and if you need to declare your ISA the status will show as ‘Not declared’ - you can click on ‘Declare now’ to do this.
We will send a notification within the Triodos Mobile Banking App (in your ‘Feed’) and Internet Banking (in ‘Messages’) if you need to make a new ISA declaration.
If you have a Cash ISA and don't have online access to your account, you'll need to complete and return an ISA declaration form to FREEPOST Triodos Bank. Download your Cash ISA declaration form.
Was this helpful?
We ask you to complete an ISA declaration when making a choice for your maturing fixed rate cash ISA in Internet Banking so that you are able to make current tax year’s subscriptions to your ISA if you would like to.
You are not obliged to subscribe to that cash ISA after completing the declaration and can choose to subscribe to a different ISA if you want and you are eligible to do so (as long as you don’t breach the ISA rule of only subscribing to one of each type of ISA in a tax year).
Was this helpful?
A nominated account is an account in your name(s) with either another bank/building society, or an existing Triodos account that allows you to transfer funds.
You need a nominated account for 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.
Was this helpful?
Simply follow these steps:
- Compete the ‘Register to get started’ form at: join.triodos.co.uk
- Follow the link to open your new Triodos personal current account
- Make sure to use the same email address when you register to the one you will use for your personal current account application and to operate the account so we can make sure you receive your gift.
- Deposit £100 into your personal current account within 30 days and keep this amount or more in your account for at least 30 days.
- Complete the above within 60 days of registering for the Refer a Friend offer.
- You will receive an email from [email protected] inviting you to choose your gift within 7 days of validation. Choose a £60 gift of either vouchers from Ethical Superstore or Neal’s Yard or a charity donation, or a combination of both vouchers and charity donation.
- Your vouchers will be sent to you by email – check your junk/spam folder if they haven’t arrived within 30 days.
Was this helpful?
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.
Was this helpful?
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.
Was this helpful?
You can let us know when and where you are going to be using your card abroad and this may reduce the likelihood that we would block the card and/or payment.
Transactions are still 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 Mastercard symbol is displayed and the transaction is made using either Chip&PIN or contactless.
Transactions will be processed using the exchange rate set by Mastercard.
To calculate how much your transaction could cost you use our currency conversion calculator.
See our tariff of charges for full details or the Fee Information Document for more information.
Was this helpful?
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.
Was this helpful?
Find what you were looking for?
Search our help and support section for more
Go to help and support