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

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.

• Provide around the clock debit card transaction monitoring
• We are available 24 hours a day, seven days a week for all calls relating to debit card queries (such as lost or stolen cards)
• Give you the ability to block your card by sending us a text message
• Temporarily block accounts and debit cards if fraudulent activity is suspected
• Log you out of internet banking and the app after a period of inactivity
• Keep you up-to-date with the fraud protection advice
• Use a secure three-stage log in with a digipass for personal current account holders
• As a personal account customer you can receive alerts by text message when online or card transactions are made
• Temporarily suspend your internet banking if left dormant for a long time
• Only contact you via your registered details

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

• for your digipass PIN
• for your card number or PIN
• for your mobile app passcode
• 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 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, there are charges for foreign payments. Transactions will be processed using the exchange rate set by Mastercard.

To calculate how much your transaction could cost you use our currency conversion calculator. 

See our tariff of charges for full details or the Fee Information Document for more information.

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.

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, 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.

Tree-oh-dos

Fraudsters often look for data on people that they can use to impersonate or defraud them.

They may research you or your colleagues, so we advise that you educate your staff about protecting their data and ensure they are fraud aware too.

What kind of data might a fraudster steal?

• Personal details, such as your name, address, date of birth and National Insurance number.
• Contact details like your mobile phone, landline, work number and email address(es).
• Memorable information used for security and passwords, such as mother’s maiden name, schools or university attended, pet names, car makes and names of family members.
• Your bank account number, sort code and card details.
• PINs, passwords, Digipass number or other login details.

Ways fraudsters might get hold of your data:

• Social media and online forums – LinkedIn, Facebook, Twitter, Instagram, Reddit – all public platforms could hold a wealth of information about you, your employees, your business and your customers.
• Your company website – if your business has a website, consider what information you include. We advise you not to put your bank details on your website, as fraudsters can use this to impersonate you or your bank.
• Competitions and quizzes – particularly those found on social media websites.
• Calling you and pretending to be a trusted organisation.
• Companies who sell your email address or phone number - always read terms and conditions when signing up for a product or service.
• Bank statements, post and paper documents. Always lock away documents that hold sensitive information and destroy them when no longer required.
• Hacking into email accounts. Ensure your IT systems are secure and be wary of using shared internet connections outside of work. Consider that your suppliers, customers and partners can also have their emails hacked. We recommend that you do not share sensitive data via email – if you need to, encrypt the information with a password.
  

Your old bank will close your old account as part of the switching process. This ensures that any payments made to your old account are automatically redirected to your new account. If you want to, you can switch and keep the old account open, but you won’t be able to use the Current Account Switch Service.

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.

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

Yes, as long as both parties agree to the switch and you are switching to another joint account. It is not possible to use the service to switch a joint account to a sole account.

Triodos will be offering Open Banking services from 14 September 2019, enabling providers to integrated 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.

We can pay it on the first of each month into an account you choose when you apply, or we pay it annually each January and at the end when the bond matures.

Money mules are people used to help launder money, often without realising that’s what they’re doing. They help move illegitimate funds (money gained illegally) between accounts so that the money then appears to be legitimate. They may be asked to receive money into their account, then withdraw it and put it into another account, sometimes in another country. Sometimes the money mules are offered compensation or commission.

Even if money mules don’t know the money they’re transferring is fraudulent, they are still committing fraud and money laundering, and could be sentenced to time in prison or to pay a fine.

Money mules are often recruited into this activity through false job adverts, or social media posts that promote quick money-making opportunities. Sometimes they are duped by fake social media profiles that pretend to want a romantic relationship with the victim to gain their trust and affection before asking this favour or blackmailing them. This is also known as romance fraud.

Never move money between accounts you don’t know and trust, especially because someone else has asked you to, or if you don’t know where that money has come from. If you are suspicious of money laundering, call us immediately on 0330 355 0355.

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.

The Current Account Switch Service makes switching current accounts to Triodos Bank from another UK bank or building society simple, reliable, and stress-free.

The whole process takes only seven working days and is completely free. It is also backed by the Current Account Switch Guarantee.

This service provides all the following benefits:

• Regular payments (in and out) will be moved to your new account, and payments made to your old account after your switch date will be automatically redirected to your new account. Please note this doesn’t include any payments received from abroad.
• Any remaining credit balance in your old account will be transferred to your new account and your old account will automatically close.
• The switch process will be managed entirely by your new bank or building society and will be backed by the Current Account Switch Guarantee.

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 debit card is made from a 'natural plastic' of compacted renewable resources such as plant leaves and corn. The card itself is now believed to have the strongest environmental credentials of any debit card in the UK market. Only the chip and strip are not recyclable.

Triodos Bank does not offer credit cards for personal or business customers in the UK at present. We regularly review the products and services that we offer along with customer feedback to determine and prioritise future enhancements. However this is not a product we are looking to launch in the foreseeable future.

To sell your Triodos Impact Investment fund, you must complete a Redemption Form and send it to:

Freepost RTAB-JGZR-BUHK
Triodos Bank
T. Bailey Asset Management Ltd
64-66 St James’s Street
Nottingham
NG1 6FJ

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. Alternatively, for first class mail, you can post your form to us in the normal way, simply copy our above address without the first line.

The proceeds of the sale will be sent to your nominated bank account within 3 business days of the dealing date.

Please note that if you are not selling the whole of your holding, a minimum fund balance of £500 applies. If your instruction takes the fund below that minimum balance we will try to contact you to establish how you would like to proceed, however if we are unable to contact you we reserve the right to reject your instruction pending further clarity.

Our primary feature regarding the digipass device is that of security. Our current providers VASCO have confirmed that the digipass can be recycled and if you wish to return your digipass to us if you no longer require it we will recycle it securely on your behalf.

If you'd like to write to us, you can do so freepost at:

Freepost TRIODOS BANK

Our freepost address is Royal Mail registered and simple to use - write it on your envelope exactly as shown above (no stamp required) and your letter will get to us free of charge by second class mail.

For first class mail, you can post in the normal way to:

Triodos Bank
Deanery Road
Bristol
BS1 5AS

As an online bank, we don't provide counter banking services, but we're always pleased to meet with our business customers - simply make an appointment with your relationship manager.

Our regional business banking offices can be found at:

Triodos Bank
20 Old Bailey
London
EC4M 7LN

Triodos Bank
50 Frederick Street
Edinburgh
EH2 1EX

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 opening hours are published on our help and support page.

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.

Yes, bank accounts that include an overdraft can switch using the Current Account Switch Service, but you’ll need to have set up an overdraft with us. If you’d like to set up an overdraft please get in touch and we will be able to advise if you’re eligible for one, dependent on our lending criteria and your credit status.

Vishing is where a fraudster uses voice messages or phone calls to try to steal identities, and financial information like your PIN, card details and Digipass code.

The term comes from the combination of ‘phishing’ and ‘voice’. Phishing is where fraudsters use email, regular phone calls and fake websites to dupe people into giving them personal details and financial information.

Vishing is specifically the use of a VOIP service (Voice Over Internet Protocol, or an internet phone service), which enables fraudsters to communicate with their potential victims via automated voice messages and the phone keypad.

Vishers can create fake caller ID profiles so that their phone number seems legitimate, and vishing requests sound urgent, to panic the victim into acting without thinking.

 Examples of vishing:

• Your bank account has been compromised
  You receive call from what appears to be Triodos Bank’s phone number. When you answer, you hear a recording pretending to be from Triodos, saying that your bank account has been compromised, and you need to call a freephone number to reset your security details. Calling this number, you would hear another automated message asking for your bank account number, Digipass code or other personal details via the phone keypad.
• You’re eligible for a loan
  You are offered loan or credit terms too good to be true (they probably are), and to receive the money, you just need to pay an upfront fee or provide your security details.
• You’re due a refund
  You receive a message that says you are due a refund. This is usually someone claiming to be from a trusted organisation. If you opt in – usually by pressing a number on your telephone - you will be redirected to a call centre agent who will attempt to defraud you or steal your information.
• Don’t miss this investment opportunity
  An automated voice message tells you about an investment opportunity too good to turn down. You’ll be encouraged to transfer money to invest in a company or service that doesn’t exist.
• You’ve won a prize
  Victims hear an automated voice message about a free offer or prize, and just need to pay postage, redemption or admin fees to claim. There’s often a deadline to hurry people into handing over their card details.

What you can do

If you receive an unexpected phone call with an automated response, hang up, search for the company’s genuine contact details online and check whether the call was legitimate. If it was, the company will be able to help you, and if it was a vishing attempt, letting the company know enables them to take action, and you will have protected yourself from fraud.

If the call relates to an investment opportunity, check the FCA register to see if the investor is regulated, and confirm the company exists by checking Companies House.

How to report a vishing scam

If you think you have been a victim of a vishing attack, call us immediately on 0330 355 0355. Then report to the FCA using their reporting form.

If you have lost money to suspected investment fraud, report it to Action Fraud on 0300 123 2040.

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).

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.

If you have Triodos Internet Banking, you can complete a new declaration online. To do this, please log in to Internet Banking and go back to old Internet Banking via the green ‘Go to old Internet Banking’ button. Select 'Account Management, ISA Declaration Management', from the menu.

Alternatively you can download, print and complete a declaration form below, or you can contact us and we can post a declaration form to you.

Junior ISAs and Fixed Rate Cash ISAs do not need a new declaration to be made after the account is opened.

It can be very difficult to spot a fraudulent call. The best thing you can do if you get an unexpected call – especially if the person is asking you to make a payment or move funds, or rushing you to make a decision – is to call the organisation back on the number published on their website.

Fraudsters may call you or someone in your team and pretend to be a well-known business like BT, the bank, HMRC, the police, a supplier or even another person in your business.

Examples of what a fraudster might ask you to do:

• Move your money to a safe, secure holding account
  Fraudsters often call businesses pretending to be from their bank. They may ask you to move your money to a safe account because of suspected fraud or risk to your account. In reality, this ‘safe’ account is controlled by the fraudster. Hang up and report it to Action Fraud UK and your bank.
  
• Change the payment details of one of your suppliers
  Fraudsters often impersonate suppliers and ask businesses to pay into a new account – controlled by the fraudster. Check the caller is genuinely your supplier by calling back on the number on their website or, better still, by calling your direct contact at the company.
• Download something – software, a programme, app or other online tool
  Fraudsters may tell you there’s something wrong with your computer and it’s not secure. By downloading some software, they’ll be able to fix it for you. They might even offer you compensation or a refund for this inconvenience. In reality, the downloaded software could give them access to your computer. They may ask you to log in to your internet banking so they can issue your refund, when really they’re asking you to authorise payments into their own account. Triodos will never call you out of the blue and ask you to transfer money into another account, or download something onto your device.
• Tell them your Digipass codes
  Your Digipass codes give permission for money to leave your account. Never give these codes, no matter what they tell you. We will never ask you for these codes.
  

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 continue to review the options, remaining conscious of maintaining a high quality of service for all our customers.

(From abroad:  +44 117 973 9339)

We're open 8am-6pm Monday-Friday (9am-6pm Thursday)

Lost or stolen card? Contact us to report it immediately - our card services team is here for you 24/7.

The digipass plastic is recyclable and in line with our sustainability commitment so please send in broken, old, damaged digi passes using the freepost address - Freepost TRIODOS BANK - and we will recycle it securely for you.

You can provide us with money to invest in the Triodos Impact Investment Funds by electronic bank transfer.

Account name: Triodos Bank UK Ltd
Account number: 10019561
Sort Code: 60-00-04

The funds must be transferred within 10 working days of your application and be sent from a UK bank account held in your name and match the bank details you provided in your application or Top Up form.

Please put your name as the payment reference.

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.

The Triodos Mobile Secure Key is more convenient than the physical digipass or a username/password combination. It provides a safer and securer way to access and manage your accounts due to its two-factor authentication method. Requiring something you ‘have’ (the Triodos Mobile Banking App with the Mobile Secure Key) and something you ‘know’ (the passcode) or something you ‘are’ (fingerprint, face recognition depending on what your mobile device supports).

If you have a physical digipass, the Mobile Secure Key would 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.

Each child can have one Junior cash ISA and one Junior stocks and shares ISA at any one time. These can be with different providers.

A child cannot hold both a Junior ISA and a Child Trust Fund, with the same or different providers.

Triodos Bank does not offer mortgages for personal or business customers in the UK at present. We regularly review the products and services that we offer along with customer feedback to determine and prioritise future enhancements. However this is not a product we are looking to launch in the foreseeable future. We do offer this product in some of our European branches but at present there are no plans to launch in the UK. More about our business lending.

We don't, but we do have a range of savings options such as ISAs and online/postal savings accounts.

We offer three impact investment funds - the Triodos Global Equities Impact Fund, the Triodos Pioneer Impact Fund and the Triodos Sterling Bond Impact Fund. All the Impact Funds are available in two different share classes, distribution and capitalisation.

The minimum initial investment per Impact Investment 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 impact investment 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.

If you wish to close your Triodos savings account please follow the below instructions

• Please send us a secure message in internet banking with the account number you wish to close and also confirm the account number, sort code and name of your registered nominated account, which is where any remaining balance and accrued interest will be paid to.  
• You can also request account closure by calling us and confirming these details over the phone.
• If you do not hold internet banking please send us a signed written instruction 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

• We are not be able to close an account by email.
  
  
• If you wish to close a childrens account held in your name on their behalf please send us a signed written instruction with details of where the funds need to be paid.

Yes. We will write to you one month before your fixed rate cash ISA matures, asking you to let us know what you'd like to do with your funds. You can then ask us to change your fixed rate cash ISA into another Triodos cash ISA, when it matures.

Alternatively, during the fixed term of your Triodos Fixed Rate Cash ISA, you can request to change your Fixed Rate Cash ISA into another Triodos cash ISA, but you will incur a 'breakage charge' as per the terms and conditions. The ‘breakage charge’ is equivalent to:

• 2 year term – 180 days' interest
• 3 year term – 270 days' interest

The charge will be taken from the account balance, so the balance in your new type of Triodos cash ISA might be less than originally deposited in your Fixed Rate Cash ISA.

There is no charge when changing to a different type of Triodos cash ISA on maturity.

For more details, see our how-to guide below on changing your cash ISA to a different type of Triodos cash isa.

Yes. The Triodos Mobile Secure Key is an easier and more secure way to log in and authorise payments. However, you can continue to use your current login and authentication method if you prefer.

To change your setting for SMS/text messages please log in to your Internet Banking and use the quick links in ‘Self service’ then ‘Settings’ to visit your Account Profile in old Internet Banking. Here you can click on ‘Mailing Settings’ to amend your text notification settings and then save the changes.

It’s best to cut your card into pieces, making sure to cut through the chip and magnetic strip and put the card in with your normal waste, rather than your recycling. It will still biodegrade more quickly than any other debit card plastic. If possible, don’t put all the pieces of the card in the same bin or with any related documentation such as receipts or statements.

A large number of co-workers are working from home; however our office remains open for business-critical functions and to ensure our services are resilient.

In order to protect our co-workers and to help reduce the spread of the virus, all our offices are closed to visitors from the general public at this time. This includes our head office in Bristol and our offices in Edinburgh and London.

You can open a Triodos Innovative Finance ISA if you are resident in the UK for tax purposes and are over 18 years of age.