When do I start earning interest on my deposit?
When you pay funds into your Account, your funds will start earning interest from the day the funds are paid into your Account.
When you pay funds into your Account, your funds will start earning interest from the day the funds are paid into your Account.
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.
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 funds received into your Triodos Fixed Rate Cash ISA within 60 days from account opening.
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:
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.
The ISA allowance is the maximum amount you can invest across all types of ISAs in any one tax year. You can put your whole allowance into a particular type of ISA or you can split it between the different types of ISAs: Cash, Stocks & Shares, Lifetime and Innovative Finance. The ISA allowance for the 2023/24 tax year is £20,000. For Junior Cash ISAs, the allowance is £9,000.
You need to be a UK resident to be eligible to apply for any of our savings and deposit accounts.
Yes, you can change your existing Triodos cash ISA to a Triodos Online Cash ISA by completing and posting us the form below.
Changes to a different type of Triodos cash ISA are not permitted from Triodos Ethical Junior Cash ISAs or non-ISA savings accounts.
Before downloading the form to change your account type, please make sure you have read the following;
Once you have read the important information above please download, print and complete the form below, then post it to us at:
Freepost TRIODOS BANK
On receipt of a completed request, we will change the type of cash ISA you hold, the balance of your account and your account number will remain the same. All money held in the account will maintain its tax-free status and the change will not affect your subscription allowance. We will write to you to confirm when we have actioned your request.
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: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
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 2023/24 tax year.
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.
Her 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 'Old Internet Banking', then 'Account Management' in the menu on the left, 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.
Junior ISAs and Fixed Rate Cash ISAs do not need a new declaration to be made after the account is opened.
Using the Mobile Secure Key is more convenient and means you and your money are better protected from fraud.
During activation, you provide a photo of your ID and a video of your face to verify it is really you - the digital equivalent of an ‘in-person’ identity check at a high street bank.
These are linked to your Mobile Secure Key and the devices you have set it up on, ensuring no one else can set up or use your Mobile Secure Key on their device.
If you have a physical digipass, the Mobile Secure Key will replace it. This means you can send your Triodos Digipass back to us for recycling, using our freepost address – simply write ‘Freepost TRIODOS BANK’ on the envelope (you do not need to attach a stamp). We have partnered with a Waste Electrical and Electronic Equipment (WEEE) Recycling Scheme and will safely recycle all digipasses.
You can send your Triodos Digipass back to us for recycling, using our freepost address – simply write ‘Freepost TRIODOS BANK’ on the envelope (you do not need to attach a stamp). We have partnered with a Waste Electrical and Electronic Equipment (WEEE) Recycling Scheme and will safely recycle all digipasses.
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.
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.
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.
If you wish to close your Triodos savings account, please follow the instructions below. If the account is a joint account, we will need both account holders to send a request.
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
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.
While setting up your Mobile Secure Key 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 activating your Mobile Secure Key. 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 the devices you have set up your Mobile Secure Key on. 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.
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:
B - Address Verification:
Yes, you can split your ISA allowance into different types of ISA: Cash, Stocks & Shares, Lifetime, and Innovative Finance.
Yes.
Before the child turns 18 we will contact you to confirm that the Triodos Ethical Junior Cash ISA will become a variable rate cash ISA on the child’s 18th birthday. After this date the child can decide what they wish to do with the account/funds.
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.
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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