Supporting you with your loan application

Lending Customer Information Form

Why does Triodos need all of this information from me?

Financial crime is a growing global issue and is estimated to cost the UK economy over £37 billion per year. Today’s reality is that up-to-date information is a critical weapon for all banks in the fight to prevent criminals from accessing the financial system as well as a regulatory requirement.

At Triodos, we’re committed to fighting financial crime. As part of our work in this area, we’ve implemented an on-going process to collect, update and validate the information we hold on all of our customers.

Having a deep understanding of each customer – what they do, where they do it, who they do it with and who benefits – as a key part of our ability to, amongst other things, detect and prevent attempts to defraud, launder money, breach sanctions and evade taxes helps us to protect customers and wider society.

Who are the Customer Due Diligence Team?

To help support our customers through this process we have a dedicated specialist team – The Customer Due Diligence Team.

As part of this process, we ask our customers to provide information about themselves and the nature of their business or organisation. The process is iterative, and we sometimes may need to ask for additional information as we conduct our reviews. When you hear from us, please provide a timely response or it may cause delays if you are applying for a new loan.

We thank you for your on-going understanding and co-operation.

If you have any questions about the process, please email our customer due diligence team: [email protected]

Privacy Statement

We will only share your data/your business data with other organisations required to complete processing necessary to provide our products and services and meet our legal obligations. This may include for example the exchange of your/ your business information or data (both within the UK and where appropriate, overseas) with organisations such as fraud prevention agencies, credit reference agencies, debt recovery agencies, law enforcement agencies and other organisations on a lawful basis for processing. For further information about how Triodos Bank use and share your personal information please see our Privacy Statement at www.triodos.co.uk/privacy-statement.

By completing this form, you acknowledge and understand that your personal data will be processed and stored for future reference in accordance with this Privacy Statement.

Select your company type.

Identify your company type from the lists below and select the relevant guidance notes to support you with your application.

Ltd. Companies

Company Limited by Shares
Company Limited by Guarantee
Public Limited Company
Limited Liability Partnership
Community Interest Company

Ltd. Companies

Follow the guidance below to help you with your application

Definitions

This must match the entry on Companies House or equivalent official register and your governing document(s).

These are your directors. For charities, they would be the trustees or those who control the organisation.

Individuals that have a >25% share in your organisation or holding significant control of the organisation.

Individuals who can obtain information, authorise instructions and make transactions, and those signing the facility agreement must be registered as Account Operators, so they must be directors or trustees with the authorisation to sign contracts on behalf of the organisation. In the majority of cases, we need at least two Account Operators, unless there is a sole director.

This is an individual authorised to obtain information about the account, such as receive copies of statements, but they cannot make changes or sign documents on behalf of the organisation. This might be a secretary or accountant.

Section A Guidance

A1

Trading names: please include all trading names if different from your official organisation name.

A2

Key contact person: This will be the person that all correspondence will be sent to and will be our first contact for any queries regarding the account. The key contact person must be the same for all existing and new accounts with Triodos Bank and must be an Account Operator for all accounts.

A3

To comply with regulatory requirements, we will contact you on a regular basis (yearly) to reconfirm or update these details. This can be done using Internet Banking but please let us know should you wish to receive this request in writing or by email.

A4

This box is optional, as our default is that two Account Operators or Key People will need to sign (digitally or manually) for any changes to your account. If you would like to increase this, please confirm here, and additionally include any further specific instructions if required. For example, if your business mandate requires that a certain role or named person approves any changes as one of the signatories, you can specify that here.

If you are an existing customer making changes to your current mandate, please confirm to which accounts this applies. The authorisation provided on the form must meet your current mandates on each account being amended.

*For sole directors, a mandate of 1 is accepted.

Section B Guidance

Please read this before completing Section B of the form

People within your Organisation

Important information

We are required to verify the identity of all signatories on the facility agreement, as well as partners, directors and other members of your organisation. In order for us to verify the identity and the address of individuals, we may undertake electronic searches and/or request documentation to verify identities and/or addresses.

As a bank we are legally required to ensure that our records remain up to date so that we adhere to ‘know your customer’ and anti-money laundering regulations. The Financial Conduct Authority require us to check that the information held about your business is accurate and up to date throughout our lending relationship.

Privacy Statement

Please refer to the privacy statement at the beginning of this page.

Tax Residency

We may be legally obliged to pass on relevant information on the account operators and their accounts to HMRC. If an account operator’s tax residence is located outside the UK, HMRC may exchange this information with tax authorities of other jurisdictions.

We may ask you to provide further information in relation to the tax residency of the account operator(s). If you do not respond to any requests for information we may be required to report this to HMRC, who may exchange this information with tax authorities of other jurisdictions.

Additional copies

If you require further copies of any section please contact your Relationship Manager.

Existing Customers

Please note that existing customers do need to complete section B in full, in order for us to ensure our information is up to date.

Internet Banking

Account Operators & Authorised Enquirers are automatically enrolled to internet banking. With internet banking you can easily control your account as listed below. Internet banking access providers are registered to the individual rather than business, which means it is important to keep your personnel details up to date to avoid unauthorised access to your account.

As an additional layer of security, changes to your account can only be made in accordance with your mandate (see section A). This means that, for example, if you need to make changes to your organisation details and the mandate requires two signatories to sign, then two separate Account Operators will need to request or agree to the change.

What can I do with internet banking for a loan account?

See your current balance
View and download transaction history in various formats
View and download past statements
Change your personal details
Change statement frequency and paperless preferences
Contact us and request changes to your organisation details via secure messaging
Confirm and update your details for our Customer Due Diligence reviews

Please tick the box if you do not wish to have access to internet banking. Without internet banking, you can make changes by sending in a request via a letter signed by the number of Account Operators listed in your mandate.

You can also request copies of statements and your current balance from our Contact Team.

Section B1: Key People

Please complete for all directors (or trustees if a charity).

Section B2: Beneficial Owners

Section B3: Account Operators

If there are other people to be nominated as Account Operators and not already specified as a Beneficial Owner, please complete this section. Please refer to the definitions above for more details.

Section B4: Authorised Enquirer

If there is anyone else that you would like to be an Authorised Enquirer, such as secretaries, or professional services providers including auditors, accountants and solicitors, please include them here. If you had specified a Beneficial Owner as an Authorised Enquirer by ticking the box on the Beneficial Owner form, you do not need to repeat their details here.

If the contact person at an external service provider changes, you will need to inform us or provide your consent if the organisation informs us.

Section C Guidance

Connected Parties

Connected parties are entities that are connected to your organisation, either through exercising a controlling interest and/or financial connection. This includes any of your pre-existing Triodos Bank relationships.

If your organisation has any connected parties, please complete this form and provide a group structure chart. If you have more than two connected parties, please request additional Connected Parties forms and submit alongside as required.

Important Information

We may be required to verify the identity of some/all connected parties. In order for us to verify the identity and address of connected parties we may undertake electronic searches and/or request documentation from connected parties to verify identities and/or addresses.

Section D Guidance

Declaration

D1

The Declaration must be completed by two Account Operators who would also be authorised to sign the facility agreement.

The facility agreement must be signed by two directors (or trustees, if a charity) or a sole director and the company secretary, in line with your Articles of Association. If there is a sole director and no company secretary, the signature of the director must be witnessed.

D2: Document Requirements

No documents are required for Ltd. Companies as we will take these from Companies House.

D3: Authorisation Requirements

New customers do not need to sign to authorise the form. This is because this is the first time we are receiving the information, and we will verify it in line with our customer due diligence processes as set out in these guidance notes.

Existing customers need to authorise the form in accordance with your existing account mandate, and by directors / trustees or equivalent who are authorised to sign on behalf of your organisation. This can be done either via signatures or secure message on internet banking. This is because the information provided in the form will replace the information we hold for your organisation, and we need to ensure the right people are authorising the change, to protect both your organisation and ours.

Electronic signatures are accepted, as long as they match the signature we have on your record.

Societies

Co-operative Society
Community Benefit Society

Societies

Follow the guidance below to help you with your application

Definitions

This must match the entry on the FCA Mutuals register and your governing document(s).

These could be your Committee Members, Trustees and/or Directors.

Individuals who can obtain information, authorise instructions and make transactions, and those signing the facility agreement must be registered as Account Operators. In the majority of cases, we need at least two Account Operators, unless there is a sole director.

The current Chair of the Board, the Chief Executive Officer and the Chief Financial Officer / Financial Director (or equivalent) must be signed up as Account Operators. You can also complete for other Committee Members / Trustees / Directors, including whoever will sign the Facility Agreement.

Individuals that have a >25% share in your organisation, or holding significant control of the organisation.

Section A Guidance

A1

Trading names: please include all trading names if different from your official organisation name.

A2

Key contact person: This will be the person that all correspondence will be sent to and will be our first contact for any queries regarding the account. The key contact person must be the same for all existing and new accounts with Triodos Bank, and must be an Account Operator for all accounts.

A3

To comply with regulatory requirements, we will contact you on a regular basis (yearly) to reconfirm or update these details. This can be done using Internet Banking but please let us know should you wish to receive this request in writing or by email.

A4

This box is optional, as our default is that two Account Operators or Key People will need to sign (digitally or manually) for any changes to your account. If you would like to increase this, please confirm here, and additionally include any further specific instructions if required. For example, if your business mandate requires that a certain role or named person approves any changes as one of the signatories, you can specify that here.
If you are an existing customer making changes to your current mandate, please confirm to which accounts this applies. The authorisation provided on the form must meet your current mandates on each account being amended.

Section B Guidance

Please read this before completing Section B of the form

People within your organisation

Important information

Privacy Statement

Please refer to the privacy statement at the beginning of this page.

Tax Residency

Additional copies

If you require further copies of any section please contact your Relationship Manager.

Existing Customers

Please note that existing customers do need to complete section B in full, in order for us to ensure our information is up to date.

Internet Banking

Account Operators & Authorised Enquirers are automatically enrolled to internet banking. With internet banking you can easily control your account as listed below. Internet banking access providers are registered to the individual rather than business, which means it is important to keep your personnel details up to date to avoid unauthorised access to your account. As an additional layer of security, changes to your account can only be made in accordance with your mandate (see section A). This means that, for example, if you need to make changes to your organisation details and the mandate requires two signatories to sign, then two separate Account Operators will need to request or agree to the change.

What can I do with internet banking for a loan account?

See your current balance
View and download transaction history in various formats
View and download past statements
Change your personal details
Change statement frequency and paperless preferences
Contact us and request changes to your organisation details via secure messaging
Confirm and update your details for our Customer Due Diligence reviews

Please tick the box if you do not wish to have access to internet banking. Without internet banking, you can make changes by sending in a request via a letter signed by the number of Account Operators listed in your mandate. You can also request copies of statements and your current balance from our Contact Team.

Section B2:

Section B3:

If there are other people to be nominated as Account Operators and not already specified as a Beneficial Owner, please complete this section. Please refer to the definitions above for more details.

Section B4:

If the contact person at an external service provider changes, you will need to inform us or provide your consent if the organisation informs us.

Section C Guidance

Connected Parties

If your organisation has any connected parties, please complete this form and provide a group structure chart. If you have more than two connected parties, please request additional Connected Parties forms and submit alongside as required.

Important Information

We may be required to verify the identity of some/all connected parties. In order for us to verify the identity and address of connected parties we may undertake electronic searches and/or request documentation from connected parties to verify identities and/or addresses.

Section D Guidance

Declaration

The Declaration must be completed by two Account Operators who would also be authorised to sign the facility agreement.

The facility agreement must be signed by two Account Operators, who are Committee Members / Trustees / Directors / Senior Management, in line with your rules or articles of association.

D2: Document Requirements

Provide the original or a certified copy of your co-operative registration document or community benefit society document, unless a certified version is available on the public record.

*The person undertaking the certification should be a professional person covered by money laundering regulations external to your organisation. For example, a person working in financial services, law or accountancy. The certifier must confirm they have seen the original, sign and date the copy, and also provide their name, professional position, work address and work telephone number. Alternatively, an electronic copy could be submitted directly to Triodos Bank from the Certifier. The Certifier may be contacted for verification. If you have any concerns or queries, please contact us.

D3: Authorisation Requirements

Electronic signatures are accepted, as long as they match the signature we have on your record.

CIOs

Charitable Incorporated Organisation

CIOs

Follow the guidance below to help you with your application

Definitions

This must match the entry on the Charities Commission and your governing document(s).

These are your trustees and directors.

Individuals who can obtain information, authorise instructions and make transactions, and those signing the facility agreement must be registered as Account Operators. They will be trustees. In the majority of cases, we need at least two Account Operators.

Individuals that have significant control or voting rights in your organisation.

Section A Guidance

A1

Trading names: please include all trading names if different from your official organisation name.

A2

Key contact person: This will be the person that all correspondence will be sent to and will be our first contact for any queries regarding the account. The key contact person must be the same for all existing and new accounts with Triodos Bank, and must be an Account Operator for all accounts.

A3

To comply with regulatory requirements, we will contact you on a regular basis (yearly) to reconfirm or update these details. This can be done using Internet Banking but please let us know should you wish to receive this request in writing or by email.

A4

This box is optional, as our default is that two Account Operators or Key People will need to sign (digitally or manually) for any changes to your account. If you would like to increase this, please confirm here, and additionally include any further specific instructions if required. For example, if your business mandate requires that a certain role or named person approves any changes as one of the signatories, you can specify that here.
If you are an existing customer making changes to your current mandate, please confirm to which accounts this applies. The authorisation provided on the form must meet your current mandates on each account being amended.

Section B Guidance

Please read this before completing Section B of the form

People within your organisation

Important information

Privacy Statement

Please refer to the privacy statement at the beginning of this page.

Tax Residency

Additional copies

If you require further copies of any section please contact your Relationship Manager.

Existing Customers

Please note that existing customers do need to complete section B in full, in order for us to ensure our information is up to date.

Internet Banking

Account Operators & Authorised Enquirers are automatically enrolled to internet banking. With internet banking you can easily control your account as listed below. Internet banking access providers are registered to the individual rather than business, which means it is important to keep your personnel details up to date to avoid unauthorised access to your account. As an additional layer of security, changes to your account can only be made in accordance with your mandate (see section A). This means that, for example, if you need to make changes to your organisation details and the mandate requires two signatories to sign, then two separate Account Operators will need to request or agree to the change.

What can I do with internet banking for a loan account?

See your current balance
View and download transaction history in various formats
View and download past statements
Change your personal details
Change statement frequency and paperless preferences
Contact us and request changes to your organisation details via secure messaging
Confirm and update your details for our Customer Due Diligence reviews

Please tick the box if you do not wish to have access to internet banking. Without internet banking, you can make changes by sending in a request via a letter signed by the number of Account Operators listed in your mandate. You can also request copies of statements and your current balance from our Contact Team.

Section B2:

Section B3:

If there are other people to be nominated as Account Operators and not already specified as a Beneficial Owner, please complete this section. Please refer to the definitions above for more details.

Section B4:

If the contact person at an external service provider changes, you will need to inform us or provide your consent if the organisation informs us.

Section C Guidance

Connected Parties

Important Information

Section D Guidance

Declaration

The Declaration must be completed by two Account Operators who would also be authorised to sign the facility agreement.

The facility agreement must be signed by two trustees or directors, in line with your rules or articles of association, who must be registered as Account Operators via this form.

D2: Document Requirements

Provide the original or a certified* copy of your constitutional documents.

D3: Authorisation Requirements

Electronic signatures are accepted, as long as they match the signature we have on your record.

Trusts

Trust

Trusts

Follow the guidance below to help you with your application

Definitions

This must match the entry on the Trust Registration Service (if registered) and your governing document(s).

These are your trustees.

Individuals who can obtain information, authorise instructions and make transactions, and those signing the facility agreement must be registered as Account Operators. They will be trustees and protectors. In the majority of cases, we need at least two Account Operators.

Individuals listed in your Trust Deed as a trustee, beneficiary, settlor or protector (if any).

Section A Guidance

A1

Trading names: please include all trading names if different from your official organisation name.

A2

Key contact person: This will be the person that all correspondence will be sent to and will be our first contact for any queries regarding the account. The key contact person must be the same for all existing and new accounts with Triodos Bank and must be an Account Operator for all accounts.

A3

To comply with regulatory requirements, we will contact you on a regular basis (yearly) to reconfirm or update these details. This can be done using Internet Banking but please let us know should you wish to receive this request in writing or by email.

A4

This box is optional, as our default is that two Account Operators or Key People will need to sign (digitally or manually) for any changes to your account. If you would like to increase this, please confirm here, and additionally include any further specific instructions if required. For example, if your business mandate requires that a certain role or named person approves any changes as one of the signatories, you can specify that here.

If you are an existing customer making changes to your current mandate, please confirm to which accounts this applies. The authorisation provided on the form must meet your current mandates on each account being amended.

*For sole directors, a mandate of 1 is accepted.

Section B Guidance

Please read this before completing Section B of the form

People within your organisation

Important information

Privacy Statement

Please refer to the privacy statement at the beginning of this page.

Tax Residency

Additional copies

If you require further copies of any section please contact your Relationship Manager.

Existing Customers

Please note that existing customers do need to complete section B in full, in order for us to ensure our information is up to date.

Internet Banking

Account Operators & Authorised Enquirers are automatically enrolled to internet banking. With internet banking you can easily control your account as listed below. Internet banking access providers are registered to the individual rather than business, which means it is important to keep your personnel details up to date to avoid unauthorised access to your account. As an additional layer of security, changes to your account can only be made in accordance with your mandate (see section A). This means that, for example, if you need to make changes to your organisation details and the mandate requires two signatories to sign, then two separate Account Operators will need to request or agree to the change.

What can I do with internet banking for a loan account?

See your current balance
View and download transaction history in various formats
View and download past statements
Change your personal details
Change statement frequency and paperless preferences
Contact us and request changes to your organisation details via secure messaging
Confirm and update your details for our Customer Due Diligence reviews

Please tick the box if you do not wish to have access to internet banking. Without internet banking, you can make changes by sending in a request via a letter signed by the number of Account Operators listed in your mandate. You can also request copies of statements and your current balance from our Contact Team.

Section B1: Key people

You do not need to complete this section.

Section B2:

Please complete a form for each Beneficial Owner. If the person will also be an Account Operator, please ensure you tick the box at the end. You will not then need to repeat the details in the Account Operator section.

If your trust deed requires all trustees to sign a facility agreement, please ensure all trustees are registered as Account Operators.

Section B3:

If there are other people to be nominated as Account Operators and not already specified as a Beneficial Owner, please complete this section. Please refer to the definitions above for more details.

Section B4:

If the contact person at an external service provider changes, you will need to inform us or provide your consent if the organisation informs us.

Section C Guidance

Connected Parties

Important Information

Section D Guidance

Declaration

D1

The Declaration must be completed by two Account Operators who would also be authorised to sign the facility agreement.

The facility agreement must be signed by a minimum of two trustees, in accordance with your trust deed.

D2: Document Requirements

Provide the original or a certified* copy of your Trust deed together with any amendments, and your Trust Certificate.

If the trustees have changed from those named on the original Trust deed, the original or a certified* copy of the deed of appointment or deed of retirement, if applicable, or a certificate from the chairman or secretary of the Trust confirming the current appointed trustees.

D3: Authorisation Requirements

Electronic signatures are accepted, as long as they match the signature we have on your record.

Unincorporated Associations

Unincorporated Association, Society, Club or Similar body

Unincorporated Associations

Follow the guidance below to help you with your application

Definitions

This must match your governing document(s).

These are your committee members.

Individuals that have significant control or management responsibility of your organisation.

Individuals who can obtain information, authorise instructions and make transactions, and those signing the facility agreement must be registered as Account Operators. We need at least two Account Operators.

Section A Guidance

A1

Trading names: please include all trading names if different from your official organisation name.

A2

Key contact person: This will be the person that all correspondence will be sent to and will be our first contact for any queries regarding the account. The key contact person must be the same for all existing and new accounts with Triodos Bank, and must be an Account Operator for all accounts.

A3

To comply with regulatory requirements, we will contact you on a regular basis (yearly) to reconfirm or update these details. This can be done using Internet Banking but please let us know should you wish to receive this request in writing or by email.

A4

This box is optional, as our default is that two Account Operators or Key People will need to sign (digitally or manually) for any changes to your account. If you would like to increase this, please confirm here, and additionally include any further specific instructions if required. For example, if your business mandate requires that a certain role or named person approves any changes as one of the signatories, you can specify that here.
If you are an existing customer making changes to your current mandate, please confirm to which accounts this applies. The authorisation provided on the form must meet your current mandates on each account being amended.

Section B Guidance

Please read this before completing Section B of the form

People within your organisation

Important information

Privacy Statement

Please refer to the privacy statement at the beginning of this page.

Tax Residency

Additional copies

If you require further copies of any section please contact your Relationship Manager.

Existing Customers

Please note that existing customers do need to complete section B in full, in order for us to ensure our information is up to date.

Internet Banking

Account Operators & Authorised Enquirers are automatically enrolled to internet banking. With internet banking you can easily control your account as listed below. Internet banking access providers are registered to the individual rather than business, which means it is important to keep your personnel details up to date to avoid unauthorised access to your account. As an additional layer of security, changes to your account can only be made in accordance with your mandate (see section A). This means that, for example, if you need to make changes to your organisation details and the mandate requires two signatories to sign, then two separate Account Operators will need to request or agree to the change.

What can I do with internet banking for a loan account?

See your current balance
View and download transaction history in various formats
View and download past statements
Change your personal details
Change statement frequency and paperless preferences
Contact us and request changes to your organisation details via secure messaging
Confirm and update your details for our Customer Due Diligence reviews

Please tick the box if you do not wish to have access to internet banking. Without internet banking, you can make changes by sending in a request via a letter signed by the number of Account Operators listed in your mandate. You can also request copies of statements and your current balance from our Contact Team.

Section B2:

Section B3:

If there are other people to be nominated as Account Operators and not already specified as a Beneficial Owner, please complete this section. Please refer to the definitions above for more details.

Section B4:

If the contact person at an external service provider changes, you will need to inform us or provide your consent if the organisation informs us.

Section C Guidance

Connected Parties

Important Information

Section D Guidance

Declaration

D1

The Declaration must be completed by two Account Operators who would also be authorised to sign the facility agreement.

The facility agreement must be signed by two committee members, in accordance with your Rules or Constitution, who must be registered as Account Operators via this form.

D2: Document Requirements

Provide the original or a certified* copy of your Rules or Constitution.

D3: Authorisation Requirements

Electronic signatures are accepted, as long as they match the signature we have on your record.

Sole traders

Sole Trader

Sole trader

Follow the guidance below to help you with your application

Definitions

This will be the sole trader.

Individuals who can obtain information, authorise instructions and make transactions, and those signing the facility agreement must be registered as Account Operators. The sole trader must be registered as an Account Operator.

Section A Guidance

A1

Trading names: please include all trading names if different from your official organisation name.

A2

Key contact person: This will be the person that all correspondence will be sent to and will be our first contact for any queries regarding the account. The key contact person must be the same for all existing and new accounts with Triodos Bank, and must be an Account Operator for all accounts.

A3

To comply with regulatory requirements, we will contact you on a regular basis (yearly) to reconfirm or update these details. This can be done using Internet Banking but please let us know should you wish to receive this request in writing or by email.

A4

Our default is that two Account Operators or Key People will need to sign (digitally or manually) for any changes to your account. If you would like to reduce this to 1 for the sole trader, please confirm here. You can also increase it and include any further specific instructions if required.
If you are an existing customer making changes to your current mandate, please confirm to which accounts this applies. The authorisation provided on the form must meet your current mandates on each account being amended.

Section B Guidance

Please read this before completing Section B of the form

People within your organisation

Important information

Privacy Statement

Please refer to the privacy statement at the beginning of this page.

Tax Residency

Additional copies

If you require further copies of any section please contact your Relationship Manager.

Existing Customers

Please note that existing customers do need to complete section B in full, in order for us to ensure our information is up to date.

Internet Banking

Account Operators & Authorised Enquirers are automatically enrolled to internet banking. With internet banking you can easily control your account as listed below. Internet banking access providers are registered to the individual rather than business, which means it is important to keep your personnel details up to date to avoid unauthorised access to your account. As an additional layer of security, changes to your account can only be made in accordance with your mandate (see section A). This means that, for example, if you need to make changes to your organisation details and the mandate requires two signatories to sign, then two separate Account Operators will need to request or agree to the change.

What can I do with internet banking for a loan account?

See your current balance
View and download transaction history in various formats
View and download past statements
Change your personal details
Change statement frequency and paperless preferences
Contact us and request changes to your organisation details via secure messaging
Confirm and update your details for our Customer Due Diligence reviews

Please tick the box if you do not wish to have access to internet banking. Without internet banking, you can make changes by sending in a request via a letter signed by the number of Account Operators listed in your mandate. You can also request copies of statements and your current balance from our Contact Team.

Section B1: Key people

You do not need to complete this section.

Section B2:

Section B3:

If there are other people to be nominated as Account Operators and not already specified as a Beneficial Owner, please complete this section. Please refer to the definitions above for more details.

Section B4:

If the contact person at an external service provider changes, you will need to inform us or provide your consent if the organisation informs us.

Section C Guidance

Connected Parties

Important Information

Section D Guidance

Declaration

D1

The Declaration must be completed by the sole trader who has been registered as an Account Operator, and would be the person that signs the facility agreement. In this case a single signatory is acceptable.

D2: Document Requirements

Please provide one of the following documents to prove your status as a sole trader:

Proof of business insurance or employer’s liability insurance. (Letter from Insurance company, insurance certificate.)
Proof of self-employment from HMRC (i.e. class 2 NIC bill or exception) or a HMRC/VAT invoice less than 12 months old to the trading address where the invoice is in the name of the business at the trading address
Letter (less than 6 months old) from an accountant or solicitor on headed paper confirming the business trading address and that they act for the business and not the person as an individual, and that the business has started trading, or will start trading on a specific date provided. The solicitor / accountant must be a member of a recognised professional body (Solicitors – ACCA; ICAEW; ICAS or CIMA)
A HMRC or VAT invoice less than 12 months old to the trading address where the invoice is in the name of the business name and addressed to the business at the trading address
A business banking statement addressed to the business at the trading address and must be under 3 months old
An American Express, MasterCard, or Visa Statement addressed to the business at the trading address and must be under 3 months old

D3: Authorisation Requirements

Electronic signatures are accepted, as long as they match the signature we have on your record.

Partnerships

Partnership

Partnerships

Follow the guidance below to help you with your application

Definitions

This must match your governing document(s).

These are the partners.

Individuals that either own or control more than 25% of your organisation, are the trustees of an unincorporated trust or have other significant roles are considered to be a Beneficial Owner of your organisation. These would be the partners in your partnership.

This is the person who can obtain information, authorise instructions and make transactions, and those signing the facility agreement must be registered as Account Operators. We need at least two partners to be registered as Account Operators.

Section A Guidance

A1

Trading names: Please include all trading names if different from your official organisation name.

A2

Key contact person: This will be the person that all correspondence will be sent to and will be our first contact for any queries regarding the account. The key contact person must be the same for all existing and new accounts with Triodos Bank, and must be an Account Operator for all accounts.

A3

To comply with regulatory requirements, we will contact you on a regular basis (yearly) to reconfirm or update these details. This can be done using Internet Banking but please let us know should you wish to receive this request in writing or by email.

A4

This box is optional, as our default is that two Account Operators or Key People will need to sign (digitally or manually) for any changes to your account. If you would like to increase this, please confirm here, and additionally include any further specific instructions if required. For example, if your business mandate requires that a certain role or named person approves any changes as one of the signatories, you can specify that here.
If you are an existing customer making changes to your current mandate, please confirm to which accounts this applies. The authorisation provided on the form must meet your current mandates on each account being amended.

Section B Guidance

Please read this before completing Section B of the form

People within your organisation

Important information
We are required to verify the identity of all signatories on the facility agreement, as well as partners, directors and other members of your organisation. In order for us to verify the identity and the address of individuals, we may undertake electronic searches and/or request documentation to verify identities and/or addresses.

As a bank we are legally required to ensure that our records remain up to date so that we adhere to ‘know your customer’ and anti-money laundering regulations. The Financial Conduct Authority require us to check that the information held about your business is accurate and up to date throughout our lending relationship.

Privacy Statement

Please refer to the privacy statement at the beginning of this page.

Tax Residency

Additional copies

If you require further copies of any section please contact your Relationship Manager.

Existing Customers

Please note that existing customers do need to complete section B in full, in order for us to ensure our information is up to date.

Section B1: Key People
You do not need to complete this section.

Section B2: Beneficial Owners

Please complete a form for each partner. If the person will also be an Account Operator, please ensure you tick the box at the end. You will not then need to repeat the details in the Account Operator section.

Section B3: Account Operators

If there are other people to be nominated as Account Operators and not already specified as a Beneficial Owner, please complete this section.

Section B4: Authorised Enquirers

If there is anyone else that you would like to be an Authorised Enquirer, such as secretaries, or professional services providers including auditors, accountants and solicitors, please include them here. If you had specified a Beneficial Owner as an authorised enquirer by ticking the box on the Beneficial Owner form, you do not need to repeat their details here.

If the contact person at an external service provider changes you will need to inform us or provide your consent if the organisation informs us.

Internet Banking

Account Operators & Authorised Enquirers are automatically enrolled to internet banking. With internet banking you can easily control your account as listed below. Internet banking access providers are registered to the individual rather than business, which means it is important to keep your personnel details up to date to avoid unauthorised access to your account. As an additional layer of security, changes to your account can only be made in accordance with your mandate (see section A). This means that, for example, if you need to make changes to your organisation details and the mandate requires two signatories to sign, then two separate Account Operators will need to request or agree to the change.

What can I do with internet banking for a loan account?

See your current balance
View and download transaction history in various formats
View and download past statements
Change your personal details
Change statement frequency and paperless preferences
Contact us and request changes to your organisation details via secure messaging
Confirm and update your details for our Customer Due Diligence reviews

Please tick the box if you do not wish to have access to internet banking. Without internet banking, you can make changes by sending in a request via a letter signed by the number of Account Operators listed in your mandate. You can also request copies of statements and your current balance from our Contact Team.

Section C Guidance

Connected Parties

Section D Guidance

Declaration

The Declaration must be completed by two Account Operators who would also be authorised to sign the facility agreement.

The facility agreement must be signed by a minimum of two partners, and in accordance with your Partnership Agreement.

D2: Document Requirements

Please provide a certified copy of your Partnership Agreement.

D3: Authorisation Requirements

Electronic signatures are accepted, as long as they match the signature we have on your record.

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