You can open a Triodos Ethical Junior Cash ISA account, and transfer the funds from your Right Start Saver into it, subject to the Junior ISA allowance of £4,260 for the 2018/2019 tax year.

Yes, you can change your existing Triodos cash ISA to one of the following types of Triodos cash ISAs:

• Triodos Online Cash ISA
• Triodos Cash ISA
• Triodos Two Year Fixed Rate Cash ISA
• Triodos Three Year Fixed Rate Cash ISA

Changes to a different type of Triodos cash ISA are not permitted from Triodos Ethical Junior Cash ISAs or non-ISA savings accounts.

Once you've decided which cash ISA suits you best, you can change the type of your Triodos Cash ISA to one of our other cash ISAs by completing and posting us the form below.

Before downloading the form to change your account type, please make sure you have read the following;

• Summary Box for your chosen cash ISA
• Personal Banking Terms and Conditions
  
• Tariff of charges for Personal Customers
  
• Deposit Guarantee Scheme – Depositor Information Sheet
  

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. As long as the child was a UK resident when the Junior cash ISA was opened, you will still be able to pay into the Junior cash ISA even though you and/or the child have moved abroad.

In 2011, a Multilateral Convention on tax cooperation designed to tackle tax evasion and avoidance was signed by a number of countries including the UK. Under this agreement, Financial Institutions within signatory countries are obliged to exchange data relating to accounts held by tax residents of the other signatory countries.

Triodos Bank must check customer records and accounts to identify customers who are tax resident in the other signatory countries and report information on them. To do this we introduced new procedures from 1 January 2016.

For more information please visit www.oecd.org/tax/exchange-of-tax-information/  or speak to your tax advisor.

To report your card lost or stolen please call us on 0330 355 0355 to speak to our 24/7 card services department. Unfortunately we do not have a facility to offer emergency cash in the instance where your card has been lost or stolen. A new debit card should arrive within five working days.

If you would like buy more Depository Receipts you first need to complete an Appropriateness Assessment, as due to the complex nature of Depository Receipts you must complete an Appropriateness Assessment each time you apply.
The form can be downloaded below.
If you can't print out a declaration, please call us on 0330 355 0355 and we'll send you one.

You can choose to receive dividends paid by Triodos Bank as either cash or additional Depository Receipts.

You can opt to receive cash dividends by electronic payment straight into your bank account. To do this you need to tick the ‘I would like to receive dividends as cash’ box under the Dividend Payments section on the application form. 

You can elect to receive dividends as additional Depository Receipts by participating in our Stock Dividend Scheme. To do this you need to tick the ‘I would like to participate in the Stock Dividend Scheme’ box under the Dividend Payments section on the application form. 

You can change how you wish to receive dividends at any time. To change your dividend election from cash to additional Depository Receipts you need to complete a Stock Dividend Scheme Mandate. To change your dividend election from additional Depository Receipts to cash please send us a written instruction. Please send your dividend instruction to our freepost address (please note this is treated as second class post):

Freepost TRIODOS BANK

Or post as usual in a stamped addressed envelope to:

Triodos Bank
Deanery Road
Bristol
BS1 5AS

There is no guarantee that a dividend will be paid every year or that the dividend amount will increase year on year.

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 lend 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 or Depository Receipts in Triodos Bank. 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 Socially Repsonsible Investment Funds you can invest in a diverse portfolio of stock market listed shares and we publish the entire portfolio of both funds on our website:

• Triodos Sustianable Equity – full portfolio list
  
• Triodos Sustainable Pioneer – full portfolio list
  

Triodos Investment Management are a wholly-owned subsidiary of Triodos Bank, and have been active in the sustainable investment sector for over 25 years. Triodos Investment Management manage investments ranging from sustainable energy infrastructure to microfinance institutions, and individuals in the UK can invest in the Triodos Sustainable Equity, Pioneer and Microfinance funds.

We offer two Socially Responsible Investment (SRI) funds the Triodos Sustainable Equity and Pioneer funds. Both funds are available in two different share classes, distribution and capitalisation.

The minimum initial investment per SRI 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 SRI 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.

You can top up your investment in the socially responsible investment (SRI) funds at any time. The minimum top up amount is £500. To instruct a top up, please complete a top-up form which can be downloaded from the below links:

• Ethical Stocks & Shares ISA top up form
  
• Non-ISA SRI top up form
  

You could also call us on 0330 355 0355 to request either form, and there are copies of the forms in the welcome pack that we sent you after you made your first investment.

Before you can apply for the Microfinance fund you will need to complete an Appropriateness Assessment. This will help us understand your knowledge and experience of this type of investment.

An Appropriateness Assessment can be downloaded below.

If we deem that the Triodos Microfinance fund is an appropriate investment for you, we will provide you with an application pack. Please note, that assessing the appropriateness of the Triodos Microfinance fund for you is not the same as providing financial advice. If you are unsure in any way whether the Triodos Microfinance fund is a suitable investment for you, you should seek independent financial advice. If you don't have a financial adviser, you can get details of local financial advisers by visiting www.unbiased.co.uk.

Based on your responses to the questions in this assessment, if we deem that the Triodos Microfinance fund is not an appropriate investment for you, we will let you know and you will not be able to continue with your application. You may wish to look at an alternative product in the Triodos range in order to invest or save ethically.

Historically, smaller challenger banks such as Triodos had no option but to utilise one of the “big four” banks (RBS, 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 will continue to review the options in the future, remaining conscious of maintaining a high quality of service for all our customers.

If you suspect that your username and password have been lost or stolen please contact us as soon as possible . You can request a password reset letter on our website at any time. This will cancel the old password to prevent access to your account by internet banking using the old password.

To top up your Triodos Stocks and Shares ISA, simply download and complete the Stocks and Shares ISA top-up form below and post it to: Freepost TRIODOS BANK

Do not respond to any email that asks you for information about your internet banking log in details. If you have received a suspicious email, do not respond and call our Contact Team as soon as you can during our opening hours on 0330 355 0355 to check if it is a genuine email.

Our Contact Team is available 8am-6pm Monday-Friday, and 10am-4pm on weekends for fraud related enquiries only.

Outside of these hours you can request a call back using our automated system. Our Contact Team will call you back as close to the time you request as is operational possible. Alternatively please email us at contact@triodos.co.uk from the registered email address we hold for you and mark it urgent in the subject line.

From 6 April 2016, the following Triodos ISAs were made flexible (subject to change; please see our ‘Terms and Conditions for our personal banking accounts’ for confirmation of which of our ISAs are flexible ISAs):

• Triodos Online Cash ISA
• Triodos Cash ISA
• Triodos 90 Day Notice Online Cash ISA

If you have one of these accounts, it will be a flexible ISA, regardless of whether you opened your account before or after 6 April 2016.

The Triodos Fixed Rate Cash ISAs, Ethical Stocks and Shares ISA and Ethical Junior Cash ISA are not flexible.

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

5 Old Bailey

London

EC4M 7BA

Triodos Bank

50 Frederick Street

Edinburgh

EH2 1EX

From the age of 16, the account must be held in the name of the young person. We’ll be in touch at the time to let you know what you need to do.

Who can open an account for a child?

Both our Right Start Saver and Ethical Junior Cash ISA can be opened by an adult with parental responsibility for a child.  A child must be aged between 7 and 15 to open a Right Start Saver for themselves, or 16 or 17 to open an Ethical Junior Cash ISA themselves.