Trades are submitted to the fund manager at 10am each Business Day. So you can cancel a trade which has not been dealt at any time prior to this.

To cancel a pending instruction, go to your investment account in Internet Banking or the Mobile App where you will find ‘Pending’ instructions under the ‘Transactions’ section. Click on the instruction you would like to cancel, you will be shown the key dates for your instruction and a cancel button (which will not be shown if your instruction has now been dealt and is therefore no longer pending). Select ‘Cancel’ then click ‘Continue’ to confirm you would like to cancel your instruction. You will then see a message confirming that your instruction has been cancelled.

You will need to complete a Change of Account Operator form. Please select the correct form depending on whether you have a loan, current account or deposit account. The forms can be found below, or we can send a form to you if you don’t have access to a printer. We will change these details when we receive the completed form signed by the existing account operator(s).

There is an Annual Service Charge paid quarterly by Impact Fund investors and an Ongoing Charges Figure which is deducted from the fund daily and therefore not paid separately.

Annual Service Charge – paid by you quarterly 

The Annual Service Charge is tiered, so customers who hold more than £250,000 in either their Triodos Impact Investment Account or Stocks and Shares ISA will pay a lower percentage on the investment balance over this amount.

Holdings in either a Triodos Impact Investment Account or Stocks and Shares ISA

• The percentage charged per annum on any balance of holdings up to and including £250,000.00 is 0.40%
• The percentage charged per annum on any balance of holdings £250,000.01 and over is 0.20%

The Annual Service Charge (ASC):

• is a charge that is collected by Triodos Bank UK to cover costs of providing our investment service, including administration costs.
• is expressed as an annual percentage but calculated and paid quarterly, based on the average value of your holding across the previous quarter.
• is paid from money in the linked Cash Account or by selling shares if there isn’t enough cash available (see below for details).

On the first Calendar Day of a new quarter we will check your Cash Account to see if cash is available to cover the Annual Service Charge for the previous quarter. If cash is available, it will be earmarked and deducted on the first weekday of the quarter. If you do not have enough money in your Cash Account to cover an upcoming Annual Service Charge, we will try to contact you beforehand by email or letter to let you know, so that you can pay into your Cash Account if you would like to.

If there is an insufficient cash balance on this day, we will instruct to sell shares in your investments to cover the whole amount (there is no charge to pay your Annual Service Charge in this way). The dealing instruction will be automatically generated to proportionately sell enough shares within your account based on your holding on the first Calendar Day of the new quarter. 

For more information, please also see How can I pay for my Annual Service Charge? and How do you decide which shares to sell from my holdings to cover my Annual Service Charge?

Please be aware that the sale of shares to cover the Annual Service Charge is classified as a disposal for Capital Gains Tax purposes and may need to be declared to HMRC (unless they are held in a Stocks and Shares ISA).

The Annual Service Charge will be itemised on your quarterly statement, which provides a breakdown of all charges applied over the previous quarter along with any additional trades during the period.

Ongoing Charges Figure – deducted from the fund daily and not paid separately by you

The Ongoing Charges Figure (OCF):

• is the ongoing costs of running the funds, also known as the Total Expense Ratio or TER). The OCF includes the fund managers Annual Management Charge and other expenses of running the fund, such as the board of directors and audit fees. The Annual Management Charge is the charge taken by Triodos Investment Management to select investments based on their sustainable and financial performance.
• is expressed as an annual percentage and calculated and deducted from the fund daily. The charge is reflected in the value of the fund and you do not need to pay for it separately.
• can be found in the Key Investor Information Document (KIID) and may vary.
• includes the cost of converting between sterling and euros when buying and selling, which is charged at 0.2% of the exchange rate used (this fee is not applied directly to individual investments, it is shared by all euro and sterling investors in the fund and is already accounted for in the published share price).

Please visit the fund pages on our website for details of the current OCF:

Triodos Global Equity Impact Fund

Triodos Pioneer Impact Fund

Triodos Future Generations Fund 

Triodos Sterling Bond Impact Fund

If you are adding money to your Cash Account for the first time, then this will need to be transferred from your nominated account. Subsequent payments into your Cash Account (ready to purchase more shares or to cover your Annual Service Charge) can come from any account in your name. Take care to select the correct Cash Account to transfer money into as you may have more than one Cash Account. For example, you may have one Stocks and Shares ISA Cash Account, a sole Impact Investment Cash Account and a joint Impact Investment Cash Account.

You can find your Cash Account bank account number within the Triodos Mobile Banking App or Internet Banking, use this along with our sort code 16-58-10.

You may wish to set up a standing order to make regular payments into your Cash Account, to ensure money is available for your quarterly Annual Service Charge and/or for any regular monthly investments you set up. 

If you set up a standing order into your account, please ensure the money will be received and cleared in your Cash Account before your monthly investment date, bearing in mind that standing orders will not be processed on a weekend or a bank holiday.

There is no rush to deal with the personal accounts of someone you have lost. Once you have notified us that they have died, we will freeze their accounts to keep them safe. We will support you in managing their Triodos accounts as soon as you are ready.

What happens next will also depend on the type of accounts held:

• Joint accounts will remain open in the name of the surviving account holder, who will be able to use the accounts as normal.
  
• If there was a Power of Attorney in place for the person who has died, please be aware that we will remove Powers of Attorney from the account. This is because the Power of Attorney becomes null and void when the person this was for has died.
  
• If the late customer held an ISA, and has a surviving spouse or civil partner, please note that an Additional Permitted Subscription (APS) must be completed within three years of the date that they died. Please see our FAQ to find out more: Does Triodos offer an Additional Permitted Subscription (APS) for Individual Savings Accounts (ISAs)?
• ISA accounts will be closed 3 years and 1 day after the date of death, if an instruction to close the ISA has not been received from the representatives of the estate, to comply with HMRC rules.

We understand that this can be a really difficult time for you and your loved ones. If you would like to talk to someone about it, we recommend contacting Cruse Bereavement Care on their free helpline or web chat. 

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.

We’re doing our very best to support our customers and other ethical organisations during this difficult time. If you are an existing lending customer, please contact your Relationship Manager to discuss your circumstances.

A new debt finance programme, the Recovery Loan Scheme (RLS) 3, was announced by the Government and will come into effect shortly. Whilst we were accredited under the CBILS and original RLS schemes, we are not an accredited lender for RLS 3 at this moment in time. If you are looking to access this scheme, more information can be found on the British Business Bank website.

If you have a question regarding your existing CBILS or RLS facility with Triodos Bank, please contact your Relationship Manager.

The timescales can vary significantly and are often dependent on a wide range of factors. Things like applying for Probate can take a long time and may slow things down. For this reason, if you tell us that you’re applying for Probate, we won’t contact you for at least six months. 

If you’re not sure what’s happening with the process, or whether we're still awaiting outstanding documentation, please contact us on please give us a call on 0330 355 0355 (or +44 117 973 9339 from abroad). Lines are open from 8am-6pm, Monday to Friday, and 9am-6pm on Thursdays. 

The Government has set up several schemes to support businesses through the challenges of Covid-19:

Coronavirus Business Interruption Loan Schemes
There are now several different loan schemes in place to help businesses affected by the Covid-19 outbreak to access bank lending and overdrafts. The distinct schemes are designed to support different kinds of organisations, dependent on size and financing need.

Coronavirus Job Retention Scheme
All UK employers with a PAYE scheme are able to access this support in order to continue paying part of the salary for those employees who would otherwise have been laid off during this crisis (‘furloughed workers’). 

Statutory Sick Pay Rebate
This initiative allows small and medium-sized businesses to reclaim Statutory Sick Pay paid for staff absence due to coronavirus

HMRC tax helpline
HMRC has set up a helpline for businesses and self-employed people who are concerned about paying their tax due to COVID-19.

Three-month VAT Deferral
Defer Valued Added Tax (VAT) payments due between 20 March 2020 and 30 June 2020

Small business grant funding
Available for small businesses in England that already pay little or no business rates because of small business rate relief, rural rate relief and tapered relief. Some aspects of business support are devolved. For business support outside of England go to Scotland, and Wales.

You can use the Triodos App to log in to Internet Banking by following these steps:

1. Go to the Triodos login page on your internet browser and select the tab called ‘Log in with mobile app’.
2. Open the Triodos App on a second device and tap the QR button in the corner of the login page.
3. Scan the QR code on your internet browser with the scanner.
4. Use your passcode, fingerprint or face recognition when prompted in the app.
5. Tap ‘confirm’ in the app and Internet Banking will automatically log in.

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 2024/25 tax year is £20,000. For Junior Cash ISAs, the allowance is £9,000.

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.

You can recommend as many friends to Triodos Bank as you wish. However, we will only make up to a maximum of 30 donations to your chosen charity within a 12-month period for every eligible friend you refer. See terms and conditions for full details. We’d be delighted though of course if you wanted to recommend many more friends and family but unfortunately it would have to be outside of the Refer a Friend Scheme.

Cash cannot be paid in to the Triodos Current Account. You can make payments into your Triodos Current Account by bank transfer or online. If you wish to pay a cheque into your account, you can send them via our freepost service to our office in Bristol - Freepost TRIODOS BANK. This is an untracked 2nd class service, however, if you are sending in cheques or original documents, you may wish to use our registered address (this will require a stamp):

Triodos Bank
Deanery Road
Bristol
BS1 5AS 

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

We may consider a request for a buy to let, but there would need to be a strong social aspect and the properties would need to be built or refurbished to the highest possible eco standards.

Yes, you can split your ISA allowance into different types of ISA: Cash, Stocks & Shares, Lifetime, and Innovative Finance.

After 6th April 2024 you can subscribe to more than one Cash, Stocks & Shares or Innovative Finance ISA. It is still only possible to have one Lifetime ISA.

Triodos Bank will not charge you for cash withdrawals from any ATM in the UK. However, some ATM providers may charge for using their machines to withdraw cash. There is a charge for withdrawing cash from abroad, please see our tariff for details.

Yes.

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

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

• If you complete a paper Bereavement Notification Form(PDF), please enclose an original or certified copy of the Death Certificate with this.
• If you complete the Bereavement Notification Form(PDF) digitally, we ask you to upload a clear scan or photograph of the Death Certificate with it. We aim to verify these copies against information from the General Register Office and will let you know when this is complete.
  Where this is not possible, we will ask you to send us an original or certified copy of the Death Certificate. You only need to send this to us if we ask for it.

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.

It will depend on what type of account you have. Fixed rate accounts will not change because the interest rate is set at the start date of the term. Rates on variable rate accounts will be reviewed whenever the base rate changes. If the rate on your account increases, we will let you know within 30 days of the change. If the rate decreases, we will let you know at least 14 days before the date of the change. The current rates on all our products are available in our interest rates for savings accounts and interest rates for business accounts. 

With the money entrusted to the Triodos Impact Investment Funds comes the responsibility - and the power - to influence the way the companies in which we may invest do business. So, as a key element of our Impact Investment strategy, we pursue a policy of active engagement and dialogue, with the aim of raising awareness of sustainability, stimulating action and creating lasting change. 

We engage with companies during the selection process, through assessments, by monitoring companies after investment/selection and as a shareholder through exercising voting rights and influencing other shareholders. Triodos also engages and monitors the companies in the investment universe (those assessed as suitable to be picked for our funds) not only the ones that are currently held in the funds.

You can find more on our approach to active engagement and stewardship here.

Only for long-term funding. We don't fund build-and-sell projects.

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.

The term Savings describes accounts in which you deposit money and earn a set rate of interest, such as our Cash ISA or Saver accounts. Triodos Bank only lends deposited money to organisations that are making a positive environmental, social or cultural impact, and we publish details of every organisation we lend to on our website.

The term Investments refers to accounts in which you can buy assets such as shares in stock market listed companies. With all investments your capital is at risk and you may not get back the full amount you invested and investments should be considered for the long term i.e. 5 years or more. Payment of income or interest is variable and not guaranteed.

Like with our Savings accounts, all Investments made via Triodos Bank are used to support businesses that are making a positive environmental, social or cultural impact and we publish details of all the investments we make. For example, through the Triodos Impact Investment Funds you can invest in a diverse portfolio of stock market listed shares and bonds. We publish the entire portfolio of both funds on our website:

• Triodos Global Equities Fund
  
• Triodos Pioneer Impact Fund
• Triodos Future Generations Fund
• Triodos Sterling Bond Impact Fund

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

Simply follow these steps:

1. Compete the ‘Register to get started’ form at join.triodos.co.uk.
2. You will then be sent an email to the email address provided, along with a unique code to share with your friends.
3. Send this unique code to as many friends as you wish (by social media or text message for example) to tell them about Triodos Bank and the personal current account. Your friend must apply for their personal current account using the unique code you supplied and once opened, deposit £100 in 30 days to be eligible, within 60 days of registering for the Refer a Friend offer.
4. Once your friend has opened their personal current account and this has been validated you will receive an email from [email protected] inviting you to choose from our three partner charities. We will make a £25 donation to on your behalf. You can view the status of all the referrals you’ve made at join.triodos.co.uk Just log in to see these.
5. We will make up to 30 donations on your behalf in a 12-month period for every eligible customer you refer.

As you'd expect from a bank, we take security very seriously - here are some things we do to keep you safe. To help you spot fraud, we’d also like you to know the things we’d never do.

What we do

• Provide around the clock debit card transaction monitoring.
• Provide 24/7 phone support to answer your questions about your debit card.
• Let you freeze and unfreeze your card whenever you need to.
• Temporarily block accounts and debit cards if fraudulent activity is suspected.
• Automatically log you out of Internet Banking and the app after a period of inactivity.
• Keep you up to date with fraud protection advice.
• Send text alerts when online or card transactions are made.
• Temporarily suspend your Internet Banking if left dormant for a long time.

What we’ll never do

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

• For your mobile app passcode.
• For your digipass PIN.
• For your card number or PIN.
• To transfer money out of your account.
• To click a link in an email to our Internet Banking.
  

If in doubt, call us on the number on our website, or delete the email without opening it.

Learn more about how to stay safe online or visit the action fraud website.

We are part of the Current Account Switch Service so customers can switch current accounts to Triodos Bank from another UK bank or building society quickly and easily.

• If you are a personal representative of the customer who has died, please let us know if they operated any Triodos Business accounts. You can provide the account numbers or company name(s) on the Bereavement Notification Form(PDF), if you know them. We will block their account access straight away. You may also notify us by phone.
• If you represent the business, you may also notify us by phone. If an account operator has died, the remaining account operator(s) should complete a Business Banking change of account operator form - current, deposit, and loans(PDF) as soon as possible. We will update the account mandate and internet banking access, as appropriate.
• Where the late customer was the only account operator on the account(s) of a business that will continue to operate, we will require further documentation from the directors of the company, in addition to the Death Certificate. Please call us to discuss the circumstances.
• Sole trader accounts may be closed by completing an Account Closure form, which we will provide to the personal representatives when they send us the Bereavement Notification Form.
• If the late customer was an ultimate beneficial owner (UBO) for a business account (including trusts), we will ask for the Death Certificate and any relevant Grant of Representation.

Yes, cheque books are not issued automatically as we understand that some customers do not require them. If you would like to order one please call our contact team on 0330 355 0355 to request one or send a secure message in Internet Banking.

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.

Yes, you can change your existing Triodos cash ISA to a Triodos Online Cash ISA or Fixed Rate 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;

• Key Features Document for Triodos Online Cash ISA
  
• Key Features Document for Triodos Fixed Rate Cash ISA
• Personal Banking Terms and Conditions
• Tariff of charges for Personal Customers
• FSCS 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, you can choose and agree a switch date with us. Just make sure you allow seven working days for the switch to take place and that your chosen date isn’t a Saturday, Sunday or Bank Holiday.

Phishing is a common type of internet fraud. Phishing emails are designed to appear as though they are from a legitimate source, but intend to steal personal information that can be used to access your account.

Do not respond to any email that asks for any information in relation to your internet banking log in details. If you have received a suspicious email, do not respond and call us if you need any further information.

Our opening hours are published on our help and support page. 

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

No, you will need to wait for the funds to clear in order to access the money. Please see our 'What you need to know' document for more details.

Sustainable finance requires choices; very deliberate choices about what Triodos Bank finances and invests in, and what really contributes to a sustainable future. This process also requires clear boundaries for what Triodos Bank can finance. Triodos Bank deems some investments, products, processes and activities incompatible with a sustainable future. Therefore, Triodos Bank has adopted minimum standards that clearly explain the products, processes and activities that Triodos Bank does not want to be involved in.

Zero tolerance and maximum thresholds
Some of the numerous resources and products that companies use, manufacture or sell are not aligned with Triodos Bank’s positive impact ambitions.
For these products, Triodos Bank distinguishes two approaches. For involvement with genuinely unsustainable products, Triodos Bank applies a zero-tolerance policy (e.g. for weapons and nuclear energy). Deriving revenue from the production of such products leads to exclusion from financing or investment. For other products, maximum revenue thresholds are in place to minimise exposure (e.g. for tobacco products). A company or activity that exceeds the set threshold demonstrates a strategic choice for involvement and is therefore excluded from financing or investment.

For further details please read our Minimum Standards.

You can save any amount between £500 and £1,000,000.

We look to support any customer who is concerned regarding fees and charges, and we know that life has been difficult for many of us in recent years. If your circumstances are causing you to worry or causing you financial stress, please contact us as we can discuss options to support you. This could include the following:

• Seeking advice on budgeting and financial commitments via an independent organisation such as the Money Advice Trust or Citizens Advice, they can give free and impartial advice and tips
• Reviewing charges on your Triodos account
• Reviewing access to overdraft facilities
• Access to funds held in your Triodos savings accounts if appropriate

Visit our help and support to see our tips for setting budgets and managing bills. 

Yes. The Triodos App with Mobile Secure Key is an easier and more secure way to log in and authorise payments - both within the app and in Internet Banking via your desktop or laptop. If you prefer, you can continue to use your current login and authentication method.

Triodos does not offer interest on balances held in your Current Account however we do have a range of savings options such as ISAs and online savings accounts.

We have now developed a policy for lending to businesses involved in tourism (accommodation providers / campsites / visitor attractions / recreation).

We are pleased to be working in conjunction with the Green Tourism . Green Tourism is the national sustainable tourism certification scheme for the UK, and businesses opting to join Green Tourism are assessed by a qualified grading advisor against a rigorous set of criteria, covering a range of areas, like energy and water efficiency, waste management and biodiversity. Businesses are awarded a business Bronze, Silver or Gold accreditation depending on the outcome of their assessment.

It is a condition of any lending (loan or overdraft) that a business is accredited to a minimum standard of Silver within a specified period of the facility being made available

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.

• Related: How do I log in to IB

There are different levels of risk associated with each fund offered. You must read all supporting documentation for each fund to make sure you can make an informed investment decision.

The Triodos SICAV I Key Investor Information Documents show a risk scale between 1 to 7, with 1 as the lowest risk and 7 as the highest risk. Bond funds are generally considered to be lower risk and therefore offer the potential for lower returns than equity funds, so you will see this reflected in the risk ratings of the Triodos Sterling Bond Fund compared to the Triodos Global Equities Impact Fund, Triodos Pioneer Impact Fund and Triodos Future Generations Funds.

You can find the Key Investor Information Document for each of our funds below:

Triodos Pioneer Impact Fund KR-Cap
Triodos Pioneer Impact Fund KR-Dis

Triodos Global Equities Impact Fund KR-Cap
Triodos Global Equities Impact Fund KR-Dis

Triodos Future Generations Fund KR-Cap
Triodos Future Generations Fund KR-Dis

Triodos Sterling Bond Impact Fund KR-Cap
Triodos Sterling Bond Impact Fund KR-Dis

If you are unsure as to the appropriateness or suitability of investing in the funds and/or with Triodos Bank, you should contact an Independent Financial Advisor. The value of investments and the income derived from them may go down as well as up and you may not get back the amount originally invested.

We look to support any customer who is concerned regarding fees and charges following the outbreak of Covid-19 (Coronavirus). If your circumstances are causing you to worry or causing you financial stress, please contact us so we can discuss with you any options to support.

Tree-oh-dos

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.

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