We apply a 0.4% Annual Service Charge which is charged on a quarterly basis. The Annual Service Charge is collected by Triodos Bank UK to cover costs of providing our investment services, including ongoing administration costs.

The Annual Service Charge is expressed as an annual percentage and is calculated quarterly based on the average value of your holding across the previous quarter. 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 debited the same day, unless it’s a weekend, in which case the money will be debited on the next weekday. 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). To avoid this scenario occurring, you should endeavour to have a sufficient cash balance within your Cash Account to satisfy any applicable charges.

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.
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.

The Ongoing Charges Figure (OCF, also known as the Total Expense Ratio or TER) is the ongoing costs of running the funds. 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.

The OCF is expressed as an annual percentage and is 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.

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

Triodos Global Equity Impact Fund

Triodos Pioneer Impact Fund

Triodos Sterling Bond Impact Fund

The ISA allowance is the maximum amount you can invest across all types of ISAs in any one tax year. You can put your whole allowance into a particular type of ISA or you can split it between the different types of ISAs: Cash, Stocks & Shares, Lifetime and Innovative Finance. The ISA allowance for the 2023/24 tax year is £20,000. For Junior Cash ISAs, the allowance is £9,000.

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

His Majesty's Revenue and Customs (HMRC) ISA rules require you to make a declaration, when applying to open an ISA. This is to confirm that you are eligible to subscribe to your ISA.

If you haven't subscribed to your ISA for a whole tax year, then you need to declare your eligibility again and confirm that you haven't paid into another ISA of the same type in the current tax year. You will not be able to make any further deposits into your ISA until a new declaration is made.

You can make your declaration in Internet Banking. Go to 'Self Service’, ‘Account Settings’, ‘ISA Declaration Management’. Here you will be able to see the status of your ISA and if you need to declare your ISA the status will show as ‘Not declared’ -  you can click on ‘Declare now’ to do this.

We will send a notification within the Triodos Mobile Banking App (in your ‘Feed’) and Internet Banking (in ‘Messages’) if you need to make a new ISA declaration.

If you have a cash ISA and don't have online access to your account, you'll need to complete and return an ISA declaration form to FREEPOST Triodos Bank. Download your Cash ISA declaration form.

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

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.

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 (Triodos also engages and monitors the companies in the universe not only the ones that are in the portfolio) and as a shareholder through exercising voting rights and influencing other shareholders.

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 Sterling Bond Impact Fund

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.

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. 

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 Document shows a risk scale between 1 to 7, with 1 as the lowest risk and 7 as the higher risk. The Triodos Sterling Bond Impact fund has a risk rating of 3/7. Bond funds are generally considered to be lower risk and therefore offer the potential for lower returns than equity funds, such as the Triodos Global Equities Impact Fund and Triodos Pioneer Impact Fund that have risk ratings of 5/7 and 6/7 respectively.

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.

To top up a Triodos Stocks and Shares ISA, simply make an online payment into your linked Stocks and Shares ISA Cash Account. Once you add money into a Stocks and Shares ISA Cash Account, this will count as an ISA subscription for the current tax year.

You can then take your time to decide what investments you would like to make, safe in the knowledge that your money has already counted as a subscription for the current tax year.

The Triodos Bank sort code is 16-58-10 and you can find your Triodos Stocks and Shares ISA account number by logging in to your account online or via the Triodos Mobile Banking App, or by checking your account statements.

Please note, if you have not paid into your ISA since 5 April 2022 you will need to declare your eligibility before transferring your money. For more information see Do I need to declare my ISA and how do I do this in Internet Banking?

Remember that investments go up and down in value, so you could get back less than you put in. 

If you arrange a transfer between ISAs by completing a transfer form, your tax-free ISA status will remain protected and the transfer will not affect your ISA allowance for the current tax year.

Don’t withdraw the money out of an ISA yourself or move it to a personal bank account. If you do this, your money will lose its ISA status. This means that you can’t reinstate it and you’ll permanently lose that portion of your ISA allowance. If you choose to re-add money that you’ve withdrawn from an ISA, you’ll use up a portion of an ISA allowance, unless you have a flexible ISA.

Triodos Bank does not provide financial advice to savers and investors. We recommend that you seek the help of an Independent Financial Adviser. The following is general information about the changes, which came into effect from 6 April 2016.

Currently, basic rate taxpayers can receive up to £1,000 of savings income, and higher rate taxpayers can receive up to £500 of savings income, without any tax being due. The Personal Savings Allowance (PSA) is not available to any savers with additional rate income.

Cash ISA

If interest rates were to rise then the level of savings you can have before having to pay tax on the interest could drop considerably, which is not an issue when saving in an ISA. For example, at 5% AER a basic rate taxpayer would only need £20,000 in non-ISA savings before they’d reach the £1,000 basic rate taxpayer allowance. This amount would drop to £10,000 for a higher rate taxpayer with an allowance of £500. Additional rate taxpayers are not eligible for a PSA but can still benefit from saving tax free in an ISA. If your income changes, your tax rate may change and so this may lead to a change in your PSA.

Any interest earned on ISAs does not count towards your PSA. If you earn interest in non-ISA savings above your PSA, you’d have to pay tax on this.

Stocks and Shares ISA

Prior to April 2016, dividends in a stocks and shares ISA were paid with 10% tax already taken off, which couldn’t be reclaimed, but following the introduction of the Dividend Allowance, dividends from a stocks and shares ISA no longer have any tax taken off. They are completely tax free regardless of their value, whereas dividends paid from non-ISA investments are taxable over £1,000 for the 2023/24 tax year. There remains no Capital Gains Tax liability from a stocks and shares ISA.

No, there is no interest paid on our Cash Accounts. This is because these accounts are meant to make it easy for you to make investments, they aren’t designed as a long-term home for savings.

If you do not yet know what you would like to do with the money you hold in a Cash Account, you may want to consider other options, for example you may wish to transfer funds from a Stocks and Share ISA Cash Account to a Cash ISA such as the Triodos Online Cash ISA or move funds from an Impact Investment Cash Account to a savings account such as the Triodos Online Saver or Triodos Online Saver Plus.

Alternatively, you can keep a cash balance in your Cash Account from which you can make regular monthly investments.  For more information see How to set up a regular monthly investment?

Yes, once you add money into a Stocks and Shares ISA Cash Account linked to a Triodos Stocks and Shares ISA, this will count as an ISA subscription for the current tax year.

Whilst adding money to the Cash Account will count as an ISA subscription, dividends and sale proceeds paid into the Cash Account will not count as subscriptions.

Please note that the Triodos Stocks and Shares ISA is not a flexible ISA, and therefore cash withdrawn from a linked Cash Account cannot be replaced in the same tax year without the replacement counting towards your ISA allowance for the current tax year.

You can transfer some or all of an existing ISA to a Triodos Stocks and Shares ISA and invest in the Triodos Impact Investment Funds - without losing your tax-free ISA status. See How to transfer an existing ISA to a Triodos Stocks and Shares ISA and follow the transfer process to ensure your ISA transfer occurs without affecting your ISA allowance. Do not move funds out of an ISA yourself, because your money will lose this ISA status.

Yes, you can. You may find it helpful to rename your accounts to make identifying and distinguishing them a bit easier. To do this, go into ‘Account settings’, select the account you would like to change the name of, then click on ‘Account name’. Once here you can amend the account name.

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.

Moving money between ISA cash accounts by bank transfer will impact your ISA allowance. By bank transfer, we mean making a payment using the account number and sort code.

For example, if you paid money from a Cash ISA account into a Stocks and Shares ISA cash account yourself, the money leaving the Cash ISA would lose its ISA status. The money would then use a portion of your ISA allowance when it’s paid into the Stocks and Shares ISA. 

When you withdraw money from an ISA in this way, you can’t reinstate it and would permanently lose that portion of your ISA allowance. If you choose to re-add money that you’ve withdrawn from an ISA, you’ll use up a portion of an ISA allowance, unless you have a flexible ISA.

If you want to move money between your Cash ISA and Stocks and Shares ISA without it affecting your ISA allowance, you will need to arrange an ISA transfer by completing an ISA transfer form (see below).

Triodos Investment Management is a wholly-owned subsidiary of Triodos Bank, and have been active in the sustainable investment sector for over 25 years. Triodos Investment Management manage investments ranging from sustainable energy infrastructure to microfinance institutions, and individuals in the UK can invest in the Triodos Global Equities Impact Fund, Triodos Pioneer Impact Fund and Triodos Sterling Bond Impact fund.

You can sell shares in the Triodos Impact Investment Funds through the Triodos Mobile Banking App or Internet Banking. See our guide on How to sell your impact investment shares.

We will take your Annual Service Charge in one of the following two ways:

1. Firstly, we will check your linked Cash Account on the first Calendar Day of a new quarter to see if there is a sufficient cash balance to cover the charge. If the cash is available, it will be earmarked and debited the same day, unless it’s a weekend, in which case the money will be debited on the next weekday.
2. If there is an insufficient balance when we carry out this check, 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).

Please note that if you have a Stocks and Shares ISA and have fully subscribed for the tax year, then you will not be able to add money to your linked Cash Account and your only option for payment of the charge will be for us to sell shares to cover the charge.

For more information, please also see What are the charges for investing? 

You can use your ISA allowance by 'wrapping' your existing impact investment funds in our Stocks and Shares ISA. Within the Stocks and Shares ISA you benefit from no further tax on income and no capital gains tax. The benefits of an ISA depend on your individual circumstances and tax rules may change in the future.

To wrap your existing holding in an ISA it must be sold and repurchased. The process of making this double transaction is also known as a 'Bed and ISA'. Follow the 3 steps below to do this: 

1. Open a Stocks and Shares ISA or ensure your existing ISA is declared
   If you would like to wrap your holding in our Stocks and Shares ISA and don’t currently have a Stocks and Shares ISA, you will need to apply for an account through the Triodos Mobile Banking App or Internet Banking.  Every Stocks and Shares ISA or Impact Investment Account has a linked Cash Account which is used to hold the cash that you will use to make new investments, including buying shares for a Bed and ISA.  For more information see What is a Cash Account and why do I need one?
   
   If you already have a Stocks and Shares ISA and have not paid into your ISA since 5 April 2022 you will need to declare your eligibility before transferring money into your Cash Account. For more information see Do I need to declare my ISA and how do I do this in Internet Banking?
   
   
2. Sell your Impact Investment Account shares
   You will need give us your instruction to sell your Impact Investment Account shares through the Mobile App or Internet Banking (see How to sell your impact investment shares). 
   
   
3. Transfer the money into your Stocks and Shares ISA Cash Account
   Once you have received the money from the proceeds of the sale in your Impact Investment Cash Account, you can then transfer it into your Stocks and Shares ISA Cash Account using the Mobile App or Internet Banking (see How do I add money to my Stocks and Shares ISA or Impact Investment Cash Account?).
   
   Money added into a Stocks and Shares ISA Cash Account will count as an ISA subscription for the current tax year. You can then take your time to decide what investments you would like to make, safe in the knowledge that your money has already counted as a subscription for the current tax year. For more information see How to buy shares or top up your impact investment.

Please note, when selling your holding outside of the ISA wrapper you will realise a capital gain or loss. Most people have a capital gains allowance of £6,000 (for the 2023/24 tax year), any gain below this amount means there is no charge on any profit you made. If you happen to make a capital loss this can be used to offset future capital gains.

Company engagement papers published on our website and our periodic newsletters will provide further information on how we continue to engage and influence companies that are invested in the Triodos Impact Funds on your behalf. 

The gain and/or loss shown in the Mobile App and Internet Banking shows the current value of your investment less the value of any purchases at the time that they were bought.

The gain/loss shown is calculated from when we moved to our current investments administration system on 25 November 2022. Any gain/loss from investments held prior to that date will not be included in the calculation.

As purchases and sales are instructed on a forward value basis (that is, we don’t know the Price Per Share to be used until the day after the instruction is completed), only allowing up to 90% of your holding to be sold will allow for price fluctuations. If you instead ask us to sell your whole holding, this will be an instruction for the entire amount in number of shares rather than by value.

After a buy or sell trade is confirmed, you will be able to download a contract note in the Mobile App and/or Internet Banking. Once in your Stocks and Shares ISA or Impact Investment Account, go to ‘Transactions’ and underneath ‘Transactions’ click on ‘Completed’ which will show you the details of all your purchases and sales including:

• £ amount bought or sold
• Number of shares bought or sold
• Price per share at the time of the transaction
• A download button through which you can download a PDF contract note

You can also see ‘Pending’ purchases or sales under ‘Transactions’.

There is no charge to move an account from another provider to Triodos, but you should check with your current provider whether there are exit fees or loss of benefits by transferring. 

You should also read the Important Documents for the Triodos accounts you wish to transfer to, to learn about any associated costs or fees. You can find these on the relevant product pages on our website via the links below:

• Triodos Impact Investment account
• Triodos Ethical ISAs

The Annual Service Charge is 0.4%. It is calculated pro-rata quarterly based on the average value of your holding across the previous quarter. You can therefore look at your total holding and use this percentage to calculate the approximate charge. For example, if your average holding value for the quarter was £10,000, your Annual Service Charge will be £10 for that quarter.

If you don’t have sufficient cash in your Cash Account to cover your upcoming Annual Service Charge when we check your available balance on the first Calendar Day of a new quarter, we will arrange to sell some of your shares to cover the charge (there is no charge to pay your Annual Service Charge in this way).

For more information see How do you decide which shares to sell from my holdings to cover my Annual Service Charge?

To top up a Triodos cash ISA you can:

• Make an online payment from another account (either an account with another provider or another Triodos account that allows withdrawals).
• Send us a cheque if the Triodos cash ISA you want to top up accepts cheque.

The following accounts do not accept cheque payments:

• Online Cash ISA
• Fixed Rate Cash ISAs

If you want to deposit a cheque, please post it along with your account details or a paying-in slip to: ‘Freepost TRIODOS BANK’ (no stamp required)

The Triodos Bank sort code is 16-58-10 and you can find your Triodos cash ISA account number by logging in to your account online or via the Triodos Mobile Banking App, or by checking your bank statements.

Please note, if you have not paid into your ISA since 5 April 2022 you will need to declare your eligibility before transferring your money. For more information see Do I need to declare my ISA and how do I do this in Internet Banking?

You can set up a regular monthly investment from as little as £25 per month through the Triodos Mobile Banking App or Internet Banking. See our guide on How to set up a regular monthly investment

You will need to ensure that there is a sufficient cash balance in your Cash Account on the day you set up your regular monthly investment, as well as the day it is due otherwise we will not be able to process your instruction. For more information see What happens if there is an insufficient balance in my Cash Account on the day my regular monthly investment is due?

The Triodos Impact Investment Funds are sub-funds of Triodos SICAV I, a “Société d’Investissement à Capital Variable” established in Luxembourg. Triodos SICAV I has a Passport into the UK, enabling UK distribution. Triodos SICAV I, including its sub-funds, is governed by the law of the Grand Duchy of Luxembourg.

The funds being offered in the UK are:

Triodos Global Equities Impact Fund
Triodos Global Equities Impact Fund offers investors the possibility to invest in equities issued by larger listed companies worldwide delivering superior social and environmental performance within their sector as well as a strong financial performance.

Triodos Pioneer Impact Fund
Triodos Pioneer Impact Fund provides investors the opportunity to invest in equities issued by innovative and pioneering small and medium-sized listed companies worldwide that focus on the sustainable themes of climate protection, clean planet, healthy living, and or corporate social responsibility.

Triodos Sterling Bond Impact Fund
The Sterling Bond Impact Fund aims to generate positive impact and a stable income from a portfolio of bonds such as corporate, green and social bonds, and bonds issued by the UK government known as gilts.

If you don’t have sufficient cash in your Cash Account to cover your upcoming Annual Service Charge when we carry out the check on the first Calendar Day of a new quarter, we will arrange to sell some of your shares to cover the charge (there is no charge to pay your Annual Service Charge in this way). 

We will calculate your Annual Service Charge based on your average holding across the previous quarter. If you have holdings in more than one fund or share class, we will sell shares from each proportionate to the value you have in each fund/share class based on your holding on the first Calendar Day of the new quarter. For example, if your average holding for the previous quarter is £12,500 with £7,500 in the Triodos Global Equity Impact Fund (3/5ths of the average holding) and £2,500 in the Triodos Pioneer Impact Fund (2/5ths of the average holding) on the first Calendar Day of the new quarter, then your Annual Service Charge will be £12.50 in total with £7.50 (3/5ths) deducted from your Triodos Global Equity Impact Fund holding and £5.00 (2/5ths) deducted from your Triodos Pioneer Impact Fund holding.

The Triodos Global Equities Impact and Pioneer Impact funds are quoted in sterling. When you purchase or sell, your sterling is converted into euros or back from euros into sterling. Your total return is therefore subject to the euro-sterling exchange rate.  Further currency risk arises as the funds may invest in euro, dollar and other currency denominated securities.

The Triodos Sterling Bond Impact Fund has a base currency of sterling and your total return is not subject to the euro-sterling exchange rate.

You cannot amend your regular monthly investment date or amount but you can cancel it at any time before the 10am dealing cut off through the Triodos Mobile Banking App or Internet Banking. You can then set up one or more regular monthly investments for a different date or amount should you wish to.

For more information see How can I cancel a pending investment instruction (purchase or redemption)?

On the day your monthly investment is due we will check to see if there is a sufficient balance in your Cash Account at 1am. If the money is available then your monthly investment will be dealt that day if it is a Business Day or the next Business Day if your monthly investment date falls on a weekend or other non-Business Day. The usual trade cycle is then followed and the deal is priced at the next available valuation point - the Triodos Impact Investment Funds value every Business Day in the morning before European markets open.

If there is an insufficient balance we will be unable to carry out your monthly investment instruction. We will notify you by email if this happens.  We will try to take the payment again the following month unless you cancel your instruction which you can do in Internet Banking or the Mobile App. For more information see How can I cancel a pending investment instruction (purchase or redemption)?

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. For more information see How do I add money to my Cash Account?

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.

Yes, Confirmation of Payee, an account name-checking service, has been introduced to combat fraud and misdirected payment. Triodos is part of this scheme for incoming and outbound payments, and a CoP check will be performed every time you send money from your Triodos account. We encourage you still continue to check payment details in line with our guidance, and regularly review our website for information on how to prevent fraud.

If your monthly investment date falls on the first Calendar Day of a new quarter (when we check your Cash Account to see if money is available to cover the Annual Service Charge for the previous quarter), your monthly investment will take precedent over your Annual Service Charge.  

If there is an insufficient cash balance following the earmarking of the money for your monthly investment, 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). To avoid this scenario occurring, you should endeavour to have a sufficient cash balance within your Cash Account to satisfy any applicable charges.

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. For more information see How do I add money to my Cash Account?

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.

You can find the current portfolio of each of the funds by visiting:

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

The current price in euro can be found on the Depository Receipt pages of the website. For the current price in sterling please call us on 0330 355 0355.

The Innovative Finance ISA (IFISA) is a type of ISA that allows you to receive the interest you earn on eligible crowdfunded investments tax-free.

Find out more about different types of ISA and how they work on the gov.uk website.

If you subscribed to your ISA in the previous tax year then you can continue to subscribe this tax year without needing to make a new ISA declaration. If you did not subscribe to your ISA in the previous tax year then you will need to declare your ISA before you can subscribe this tax year. The declaration states that you are eligible for an ISA and you have not paid into another ISA of the same type in the same tax year.

You can make your declaration in Internet Banking. Go to 'Self Service’, ‘Account Settings’, and then ‘ISA Declaration Management’. Here you will be able to see the status of your ISA and if you need to declare your ISA the status will show as ‘Not declared’ -  you can click on ‘Declare now’ to do this.

We will send a notification within the Triodos Mobile Banking App (in your ‘Feed’) and Internet Banking (in ‘Messages’) if you need to make a new ISA declaration.

If you have a Cash ISA and don't have online access to your account, you'll need to complete and return an ISA declaration form to FREEPOST Triodos Bank. Download your Cash ISA declaration form.

Only certain bond offers will be eligible. Share offers are not eligible for the IFISA. Bond offers that are eligible will be clearly marked on the crowdfunding platform and in the offer document and you will be given the option of investing either directly into the bond or through the IFISA when you apply.

Investment fraud comes in many forms, but is typically when someone poses as an investment service provider, Financial Advisor or fund manager to convince you to transfer large sums of money into a company or service that doesn’t actually exist.

They can create convincing-looking websites and adverts, and send you emails, texts and automated voice messages offering investments that sound too good to be true. They often are.

Before you transfer any money:

• Always check the FCA's ScamSmart webpage for advice on being a ScamSmart investor
• Always check the FCA register to see if the investor is regulated and what they are regulated to do
• Always confirm the company exists by checking Companies House
• Always call the company on the number on their FCA register listing to confirm the correct payment details.

Genuine financial services will never:

• Cold call you
• Put pressure on you to invest
• Ask you to transfer immediately to lock in a deal or take advantage of a time-limited offer or special discount

As a general rule, if it sounds to good to be true, it probably is. Beware of promises of high returns and guaranteed returns with no risk.

>More fraud advice

Useful resources

• Money Advice Service - advice for choosing a financial advisor
• Age UK – Investment Scams

By opening a Triodos Stocks and Shares ISA you can invest any of our impact investment funds:

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

You can transfer part of an ISA from one type to another or between providers by indicating how much you would like to transfer on the relevant transfer form.

You can select whether you want to transfer:

• the entire ISA
• the current tax year’s ISA subscriptions in whole, and/or
  
  • previous tax years, ISA subscriptions in whole or
  • previous tax years, ISA subscriptions in part

If you are transferring part of a Stocks and Shares ISA, and your subscriptions are invested in more than one share class, please specify the name of the share class(es) from which you would like to sell the shares.

A nominated account is an account in your name(s) with either another bank/building society, or an existing Triodos account that allows you to transfer funds.

You need a nominated account for when applying for one of our accounts online and your opening deposit must be made by electronic transfer from your nominated account. Also if you want to transfer money from your account online, you must do so to your nominated account.

You can purchase shares in the Triodos Impact Investment Funds through the Triodos Mobile Banking App or Internet Banking. See our guide on How to buy shares or top up your impact investment.

You can withdraw money from your Cash Account by setting up a transfer to your nominated account or another Triodos account in your name, using either the Mobile App or Internet Banking.

Please be aware that as a result of the UK’s withdrawal from the European Union we have reluctantly concluded that we will need to discontinue the sale of new Depository Receipts to UK residents, which includes the issue of new Depository Receipts as part of the stock dividend scheme.

You can switch between funds and share classes. A switch is when you sell your holding in one fund or share class and buy back another. For example, if you hold shares in the Triodos Global Equities Impact Fund and want to switch to the Triodos Pioneer Impact Fund or if you wanted to switch from holding distribution shares to holding capitalisation shares within the same fund.

You can do this through the Triodos Mobile Banking App or Internet Banking. Simply sell the shares you no longer want and once that deal has settled and the funds have arrived in your Cash Account you can purchase the shares in the fund you now want instead. The minimum investment amount of £250 applies for initial investments and top ups, or £25 per month for regular monthly investments.

If you would like to switch, please ensure you have read the relevant Key Investor Information Document (KIID) for the new fund which can be found under Key Documents on the fund pages, as well as the Supplementary Information Document (SID) and the Terms and Conditions for our Impact Investment Funds and Stocks and Shares ISA.

Please note, when selling your holding outside of an ISA wrapper you may realise a capital gain or loss. Most individuals have a capital gains allowance of £6,000 (for the 2023/24 tax year), any gain below this amount means there is no charge on any profit you made. If you happen to make a capital loss this can be used to offset future capital gains.

For further information see How can I move my TBUK non-ISA impact investment into the Triodos Stocks & Shares ISA? (Bed & ISA).

Once you add money into a Stocks and Shares ISA Cash Account, this will count as an ISA subscription for the current tax year.

Please note, if you have not paid into your ISA since 5 April 2022 you will need to declare your eligibility before transferring your money. For more information see Do I need to declare my ISA and how do I do this in Internet Banking?

Keep in mind that when you buy and sell investments, you might buy back slightly less due to market movement. And with investing in general, there’s always the risk that you could get back less than you put in.