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.

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.

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 into internet banking and 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.

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

You can open a Triodos Ethical Junior Cash ISA account, and transfer the funds from your Right Start Saver into it, subject to the Junior ISA allowance of £9,000 for the 2020/21 tax year.

Before the child turns 18 we will contact you to confirm that the Triodos Ethical Junior Cash ISA will become a variable rate cash ISA on the child’s 18th birthday. After this date the child can decide what they wish to do with the account/funds.

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.

When you pay funds into your Account, your funds will start earning interest from the day the funds are paid into your Account.

If for any reason you need to withdraw your money earlier than the notice period, you will need to write to us by post or secure message in internet banking.

At our discretion you may have access to your savings without waiting the notice period for 90 Day Notice Online Cash ISA and Cash ISA.  However we will charge you the interest due on the amount withdrawn for the part of your notice period for which you have not given notice. So if you withdraw £500 on 15 Calendar Days’ notice from an Account set up on 90 Calendar Days’ notice, then a charge equivalent to the interest you would have earned on that £500 for 75 Calendar Days (i.e. 90 - 15) will be deducted from your Account.

For Fixed Rate ISAs withdrawals are not allowed until maturity. The only exception to this is if you close the account and/or transfer the full balance to another ISA.  Early closure will result in an early access charge being applied equivalent to a number of days of interest.

2 year term – 180 days’ interest

3 year term – 270 days’ interest

The charge will be taken from the account balance, so you may get back less than originally deposited.

Instructions given in internet banking to make a payment from your account will only be carried out after the expiry of any notice period on your account. Any attempt to schedule a payment before then will be rejected.

Historically, smaller challenger banks such as Triodos had no option but to utilise one of the “big four” banks (RBS, Lloyds, HSBC and Barclays) for payment clearing services.

So it is not unusual to see banks of Triodos’ size (or indeed some far bigger organisations) still utilising the “big four” clearing banks.

However, there is currently a real drive by the government, via the Payments Systems Regulator, to promote competition in the banking sector and to encourage innovation in payment systems.

This has resulted in a wider choice of clearing options (including alternative providers and/or direct clearing) now available to challenger banks.

While changing our clearing arrangements would be a very large undertaking we will continue to review the options in the future, remaining conscious of maintaining a high quality of service for all our customers.

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.

If you wish to change the details of your nominated account, you must send us a signed, written instruction by post 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

You are not able to amend your nominated account using Internet Banking. The instruction must include the details of the new nominated account (including the account name, six digit sort code and eight digit account number) and must be signed in accordance with the signature form previously returned to us. For joint accounts, the instruction must be signed by both account holders.

The new nominated account must be a personal sterling account held in your name(s) with another UK bank/building society or an existing Triodos UK account that allows you to transfer in funds.

We will not be able to process any written instructions unless we hold your signature on our records.

If you have not returned the signature reply form enclosed with your welcome letter sent to you when you first opened the account, please do so with your request to amend your nominated account. We may send further documents for you to sign to your registered address with us or request documents from you as an additional security measure before we will process your request.

If you cannot locate the signature reply form and you are still living at the address we have on our records then please send us a Secure Message from within internet banking to request a signature reply form. We will send this to your registered address for you to return to us together with your written request to amend your nominated account. We may send further documents for you to sign to your registered address with us or request documents from you as an additional security measure before we will process your request.

If we do not hold a signature for you on our records and you have moved from the address we hold for you on our records you will need to write to us with your new address and nominated account details enclosing one document from list A and one document from list B.

A - Identity Verification:

• Valid Passport
• Valid full or provisional UK / EU Drivers licence photo card or full old-style driving licence
• Valid identity card (EEA Member state or equivalent)
• HM Revenue & Customs HMRC Tax notification only (statement of account or notice of coding relating to the current year)
  

B -  Address Verification:

• Original bank or building society statement showing recent transactions dated within the last 3 months  
• Valid full or provisional UK / EU Drivers licence photo card or full old-style driving licence
• Current Council tax bill dated within the last 12 months
• Utility Bill dated within the last 3 months (mobile phone or broadband statements not acceptable)
• Mortgage statement within the last 12 months
      HM Revenue & Customs correspondence relating to current tax year or dated within the last 3 months (whichever is earlier), must contain National Insurance Number

To top up a Triodos cash ISA you can:

• Make an online transfer from another account (either an account with another provider or another Triodos account that allows withdrawals).
• Transfer by 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
• 90 Day Notice Online Cash ISA
  

If you want to deposit a cheque, please post it along with your account details or a paying-in slip to: Freepost TRIODOS BANK

The Triodos Bank sort code is 16-58-10 and you can find your Triodos cash ISA account number on your statements.

Please note that in order to protect our co-workers and to help reduce the spread of the Coronavirus, all our offices are closed to visitors from the general public at this time. This means it is not possible to deliver cheques to our office in person.

The person with legal parental responsibility who opened the account. When the account holder turns 16 the child may apply to be the account operator.

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.

You will need to complete a Change of Account Operator form, which can be found below, or we can send this 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 current account operator(s).

Right Start Saver accounts are for people aged 18 and under. We’ll be in touch when the account holder turns 18. If we don’t hear back from you, we’ll close the account and transfer the funds to another Triodos account, until we receive your instructions.

Yes, it is possible depending on what type of savings account you have.

You can change an existing Triodos savings account to a different type of Triodos savings account.

You should read the information on our savings product pages to decide which savings account suits you best. Once you have found a savings account that meets your needs, download and complete the relevant change of type form below. 

You should read the relevant Summary Box along with the Terms and Conditions for our personal savings accounts and FSCS Information Sheet before downloading and completing a form to change your savings account.

Once you have read this important information and completed the form, please post it to us at:

Freepost TRIODOS BANK

On receipt of a completed request, we will change the type of savings account you hold, the balance of your account and your account number will remain the same. We will write to you to confirm when we have actioned your request.

• Triodos Online Saver
• Triodos Online Saver Plus
• Triodos Regular Saver
  
• Triodos Saver

Changes to a different type of savings account are not permitted from Triodos Ethical Savings Bonds, Triodos Right Start Saver, Triodos Fixed Regular Saver, Triodos ISAs, Community Investor, High Interest Cheque Account, Personal Savings Account, Social Investor Cheque Accounts and SIPP Deposit Accounts.

If you want to move only part of your balance to another type of savings account, this can be done through making a transfer in Internet Banking or for non-online only accounts you can send us a signed written request to make a transfer which should be posted to us at;

Freepost TRIODOS BANK

To make an international transfer to a Triodos sterling account you will need to supply the information below to the sending bank:

Beneficiary Account Name:

Triodos Bank

Beneficiary address:

Triodos Bank
Deanery Road
Bristol
BS1 5AS

Bank Name:

National Westminster Bank Plc

Bank Address:

250 Bishopsgate
London
EC2M 4AA

Sort Code:

60-00-04

BIC:

NWBKGB2L

IBAN:

GB98NWBK60000410018573

Reference:

(Your Triodos account number and account name e.g. 12345678 A N Example)

Please ensure you provide all of the above details, especially the reference or the deposit may not reach your Triodos account.

The details above are only applicable for Triodos sterling accounts. If your Triodos account is not in sterling please contact us by emailing contact@triodos.co.uk or calling 0330 355 0355 and do not use the above details, as the payment will be rejected.

Only people who are resident in the UK can apply for our accounts. You need to make the opening deposit in sterling, and provide proof of your ID and address.

Yes you can. As long as your deposits are received within the 60 days allowed, if you open your account close to the tax year end you may be able to subscribe into your Fixed Rate Cash ISA for two consecutive tax years. You will need to check the date your last deposit is allowed, this will be detailed on your account opening letter.

A child must be aged between 7 and 15 to open a Right Start Saver for themselves, or 16 or 17 to open an Ethical Junior Cash ISA themselves.  Alternatively both our Right Start Saver and Ethical Junior Cash ISA accounts can be opened by adults with parental responsibility for a child.  This is to make sure we have the appropriate consent to hold personal data for the child.  Once the account is open, funds can be paid in by anyone.   

We look to support any customer who needs urgent access to their savings due to the current situation around Coronavirus (Covid-19). If you need to arrange immediate access to funds please contact us.

You can see how many withdrawals have been made by checking the account settings page in Internet Banking. This page will also show you how many free withdrawals are left, your current rate of interest, and your bonus period start and end date.

Yes. You can transfer an existing cash ISA to your Triodos cash ISA. If you don't already have a Triodos cash ISA, you will need to apply for one before applying to transfer your existing cash ISA. Find out more about our ethical ISAs.

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.

No. The money can't be taken out until the child is 18.
If you wanted to take the money out of the Junior Cash ISA you must contact HM Revenue & Customs (HMRC) visit www.hmrc.gov.uk.

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
  

We will publish a list of all bonds and gilts in the Triodos Sterling Bond Impact fund’s investment portfolio once launched.

A child may only hold one Junior cash ISA and one Junior stocks and shares ISA at any time and cannot hold a Junior ISA and a Child Trust Fund at the same time.

You can however apply to transfer a Junior ISA or a Child Trust Fund from one provider to another. You can also transfer between the different types of Junior ISA, in either direction.

• Transfers of current year’s subscriptions or transfers between the same type of Junior ISA must always be done in full.
• Partial transfers can only be done if they are previous years’ subscriptions and you are moving the subscriptions between different Junior ISA types e.g. Junior cash to Junior stocks and shares or Junior stocks and shares to Junior cash.

• The whole of the Child Trust Fund must be transferred and the Child Trust Fund subsequently closed.
• The annual subscription allowance for a Child Trust Fund is based on the child’s birth year while Junior ISA subscriptions are based on tax years. When a transfer of a Child Trust Fund to a Junior ISA has been made, the child can use the full Junior ISA subscription allowance for the tax year in which the transfer takes place regardless of any subscriptions made to the Child Trust Fund in that year. This only occurs in the tax year in which the Child Trust Fund is transferred, in subsequent years only the Junior ISA allowance can be used.

By completing an application for any of our accounts online you are automatically registered for Internet Banking and can manage your account online.

If your application was made by post then Internet Banking access is available for the following accounts:

• Triodos Saver
• Triodos Cash ISA
• Triodos Regular Saver
• Triodos Fixed Regular Saver
• Triodos Charity Saver

You can also access the Triodos Right Start Saver account online but you can't make payments from this account.

If you want to apply to manage your existing Triodos account online, download the application form below or call us on 0330 355 0355 and we'll send you one. Before completing an application form please ensure you have read our Terms and Conditions for personal savings accounts below.

Simply go to our website www.triodos.co.uk and in the top right-hand corner you'll see a link for "Login to internet banking".

All you need is your digipass, digipass PIN (which you set yourself), and details regarding the security word you set up when applying for the account.

£20,000 per day for Personal current account payments

£100,000.00 per day for Personal savings account customers.

£100,000.00 per transaction for Business customers.

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

• Triodos Online Cash ISA
• Triodos Cash ISA

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

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

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

• Summary Box for your chosen cash ISA
• Personal Banking Terms and Conditions
  
• Tariff of charges for Personal Customers
  
• 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.

The official base rate set by the Bank of England does affect the interest rates offered by banks, and we cannot speculate at this time on what the effect on the rates we charge our customers will be. We will communicate with customers and give appropriate notice if any changes are planned.

When your child becomes 16 they can become the Account operator and manage their own account if they want to.

From 6 April 2020, the Junior ISA allowance is £9,000 for the 2020/21 tax year.

Yes. You can open an Ethical Junior Cash ISA and request that your Child Trust Fund is transferred to us. See the Ethical Junior Cash ISA page for more information.

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. If we don’t hear from you, the account will automatically mature and change into a variable rate cash ISA, keeping the same account number as your fixed rate cash ISA. You will then be able to keep the funds in this account, transfer the funds to another ISA (using a transfer form to retain the ISA status of the funds) or transfer the funds to your nominated account. If you want to make further deposits into the new cash ISA account, you will need to complete an ISA declaration form.

To top up a Triodos Junior Cash ISA, you can:

• Make a transfer from another account (either an account with another provider or another Triodos account that allows withdrawals)
• Transfer by cheque made out to the child

The Triodos sort code is 16-58-10 and you can find your Triodos cash ISA account number on your statements. If you want to deposit a cheque, please post it along with a paying-in slip to:

Freepost TRIODOS BANK

Please note that in order to protect our co-workers and to help reduce the spread of the Coronavirus, all our offices are closed to visitors from the general public at this time. This means it is not possible to deliver cheques to our office in person.

If you think that you have had an account with Triodos in the past please gather as much information as possible relating to the account e.g. account number, type of account, date of the last transaction. If you have any statements of the account please have them to hand and call us, we can then investigate for you and advise you of the next steps. In some cases, we may request identification documents from you to release funds from the account.

No, you can only open or hold one account (joint or sole) in any 12 month period.

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 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

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.

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

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, from 6 April 2016.

Cash ISA

With the Personal Savings Allowance (PSA), 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. For example, at 5% AER a basic rate tax payer 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 save 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

Previously, dividends in a stocks and shares ISA were paid with 10% tax already taken off, which couldn’t be reclaimed. Following the introduction of the Dividend Allowance of £5,000 from 6 April 2016, dividends from a stocks and shares ISA will no longer have any tax taken off. They will be completely tax free regardless of their value, whereas dividends paid from non-ISA investments will be taxable over £5,000. There remains no Capital Gains Tax liability from a stocks and shares ISA.

If you log into internet banking, select Account Management then ISA Declaration Management, you will be able to see how much you have subscribed to your ISA in the current tax year and any replaceable amounts of previous years’ subscriptions available to you.

Alternatively, if you do not have internet banking, please email us at contact@triodos.co.uk or call us on 0330 355 0355 and our Contact Team will be happy to provide you with this information.

Regardless of who put the money into the Junior Cash ISA, the money in the account belongs to the child. It is only the child that can make withdrawals once they turn 18.

You should always allow until the next business day for a payment to arrive. Faster Payments authorised on any day (including weekends) should arrive in the beneficiary's account within two hours of being authorised.

Faster Payment instructions received by post before 2.00pm on any business day will be received by the beneficiary the same day.

A Junior cash ISA can only be opened by a person with legal parental responsibility for the child. The person applying must be aged 16 or over. If the child is 16 years old, the child may open the account themselves.

We ask you to complete an ISA declaration when making a choice for your maturing fixed rate cash ISA in Internet Banking so that you are able to make current tax year’s subscriptions to your ISA if you would like to.

You are not obliged to subscribe to that cash ISA after completing the declaration and can choose to subscribe to a different ISA if you want and you are eligible to do so (as long as you don’t breach the ISA rule of only subscribing to one of each type of ISA in a tax year).

Once you have applied for an account online, and it has been opened (or once you've applied for internet banking access for an existing account) we'll send your username by email. For security reasons your unique password will be sent separately by post.  With this information you can then log in and start using Triodos internet banking. If you forget your password or username, simply call us on 0330 355 0355.

When you open an account with us, we need to obtain sufficient proof of your identity and address. We do this to satisfy our legal obligations and protect you, the public and Triodos Bank against fraud and misuse of the banking system. To help us verify your identity, we may use the details you provide to do electronic searches about you at credit reference agencies. They will supply us information from databases, including information from the Electoral Register and fraud prevention agencies.

If you attempt to pay into your Triodos Fixed Rate ISA after your 60 days the deposit will be automatically rejected. We will send the funds back to the account they came from.

You make the full opening deposit by electronic transfer from the account you nominate when applying, or from an existing Triodos UK account.

In 2010, the United States (US) Treasury announced the Foreign Account Tax Compliance Act (FATCA). It is intended to prevent tax evasion by US citizens, residents and organisations through the use of offshore accounts and is a key change for international information exchange policy. Under FATCA, Financial Institutions must comply with a number of obligations, including reporting on accounts held by US persons, including organisations.

A number of governments, including the UK, have signed agreements to exchange data with the US. Triodos Bank must check customer records and accounts to identify US account holders and report information on them. To do this we introduced new procedures from 1 July 2014.

For more information please visit www.irs.gov or speak to your tax advisor.

No, as the account is a savings account, and not a current account, it is not possible to have standing orders and direct debits with an Online Saver Plus.

You need to be a UK resident to be eligible to apply for any of our savings and deposit accounts.

What happens if I haven’t made my deposit within the 60 days?

If after the 60 days there is no deposit in your account it will be closed automatically. If you want to apply for another Triodos Fixed Rate ISA you can do so.

To set up a Junior Cash ISA for a child, the parent or person with legal parental responsibility for the child will need to be identified. We also need the child’s original birth certificate, original NHS card or a certified copy of their passport. All certified copies must be in colour. We’ll return original documents by registered post. To help us verify the identity of customers opening an account we may make an electronic search, using the information you supply. In some instances we may need to ask you to send in further information or documents.

Certifiers must clearly write that they have seen the original document, and that the photograph, if applicable, represents a true likeness of the individual.  They must also include their full name, profession, business address, phone number and the date they certified the document.

The following people can certify documents for you:

•  Accountants (registered with either ICAEW, ICAS, CAI, ACCA, CIPFA or CIMA)
• Solicitors
• Post Office – a fee may be charged for using this service
• Bank staff (must include branch stamp)

No, only one adult operator can be attached to the account.

You can make payments from your postal account by sending us a completed Triodos Bank withdrawal request form or a letter with your payment instructions. Once the notice period for your account has passed, we can then transfer funds by:

  • Electronic transfer to a specified account at another UK bank
  • CHAPS to another bank account within the UK
  • international electronic transfer to a bank account in another country.

We will automatically log all requests for withdrawal, for the required notice period on your account.

The signature reply form is used to help us verify your signature in the rare instances when you may need to write to us to make a change that you can't do yourself within internet banking. If you do not return the form, and we do not hold a copy of your signature, we will not be able to act on any written instructions. Please note that the Online Saver Plus is an online-only account, and completing and sending us the signature reply form does not mean you can then manage your account via post.

No. If you have applied for your Account by sending your application to us in the post, your opening deposit must be made by cheque. The cheque must be drawn on your personal sterling account held in your name. And made payable to yourself. We can also accept counter cheques, as long as they've been correctly endorsed on the back by the other bank. Your bank will need to stamp, sign and date the back of the cheque and confirm that the funds are drawn from an account in your name.

When you apply for an account online your opening deposit can only be transferred electronically from your nominated account. Please do not send a cheque.

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.

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

Yes, you can change the adult operator on a JISA by completing a change of account operator form. Only one adult is able to operate the account.

Within a couple of days from when your online only account is opened, or an existing account has been set up with internet banking, we'll send your username by email, and your unique password by post. Please contact us if they don't arrive.

If you open a new account, and you already have internet banking access for another account, you can use your existing username and password.

Please contact our Refer a Friend Scheme management partner, Marketing Lounge Partnership (MLP), You can contact them on by calling 01565 747 801. Lines are open Monday to Friday 9:00am to 5:30pm.

Alternatively, you can use their ‘contact us’ form at join.triodos.co.uk/raf/contact-us

If you are an existing customer and over 18, you can refer your friends to open a Triodos personal current account. Once the friend you referred has opened their Triodos personal current account and deposited £100 within 30 days, you both receive a thank you gift (£25 donation to charity for you, £60 voucher or charity donation for them). New customers, the one being referred, needs to have completed their account opening within 60 days of registering for our Refer a Friend Scheme.

To support us in delivering our Refer a Friend Scheme, we’ve partnered with Marketing Lounge Partnership (MLP) who are providers of referral platform services. To participate in the scheme existing customers can either use the link send from Triodos Bank or simply visit join.triodos.co.uk. The link/website will prompt you to register with MLP and agree to the Refer a Friend Scheme terms and conditions to participate.

Once you’ve registered for the scheme, you can refer your friends in a variety of ways, for example by simply and easily sharing a message via social media. If the friend you refer is new to Triodos Bank UK and opens their personal current account and deposits £100 within 30 days you will both receive a thank you gift from us.

Our customers have asked how they can help us to further our mission to make money work for positive social, environmental and cultural change. The simple answer is to help us grow our community by recommending us to others. To help do that we’ve introduced our Refer a Friend Scheme which is an easy and inspiring way for our existing customers to recommend us, be thanked for doing so, and to thank new customers for joining Triodos Bank.

To thank our existing customers, we will make a £25 donation to a charity on their behalf for every friend they recommend. Similarly, we will say thank you to all new customers who are referred and open a personal current account offering them a gift of a £60 voucher from one of our business customers, or by making a charity donation on their behalf. New customers can choose which reward they receive.

Find out more at https://join.triodos.co.uk/raf/register