We work with a trusted third-party to provide Insights. Before starting this partnership, we carefully checked to make sure your data would be handled securely and responsibly. We have agreements in place to ensure your data is treated with the same level of care as we use ourselves. Your data is stored within Europe.  

Before you start using Insights, you will need to give your consent to process your transaction data. You can withdraw this consent at any time and turn off Insights. For more information about how we use your personal data, please see our privacy statement. 

Once we’ve been notified that a customer has died:

• We will stop all payments and block access to all of the late customer's Triodos accounts to keep their accounts safe.
• We will remove Internet Banking access to the late customer's accounts (both on the website and Triodos Mobile App).
• Any debit cards in the late customer's name will be cancelled.
• Regular payments like Direct Debits and Standing Orders will also be stopped. If any of these need to continue (for example, payments for utility bills), please contact the companies who require the payments to make new payment arrangements.
• We will stop all marketing mailings straight away. If there are mailings already in the process of being sent, it may be too late to stop these.
• We will continue to send important communications about any changes to the accounts or services, such as changes to savings rates or Terms & Conditions. Please be aware that these documents will still be issued in the name of the customer who has died.
• Joint accounts will remain open in the name of the surviving account holder, who will be able to use the accounts as usual.
• Business accounts with remaining account operators or owners will also remain open and new account operators may be appointed by the business.
• We will remove Powers of Attorney from the account, because the Power of Attorney becomes null and void when the person dies. This includes Internet Banking and account access held by attorneys.

In order to be notified of a customer’s death, we usually need to see a copy of the death certificate and a completed Bereavement Notification Form(PDF).

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

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

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

You can make a debit card daily limit change in the Triodos Mobile Banking App or via Internet Banking.

In the Mobile app click 'more', 'cards', click on 'the relevant card' or in Internet banking click 'Self Service', 'cards', click on 'the relevant card'.

The default limits are set as follows:    
Daily point of sale - £10,000
Daily online payments - £10,000
Daily Cash withdrawals - £300

You can temporarily increase the limits to any amount up to the following:
Point of sale - £50,000
Online payments- £50,000
Cash withdrawals - £500

For all increases from the default amounts, there is a 4-hour waiting period before the changes are in place.

If you want to decrease the limits from the default amounts, this will happen immediately.

You will be able to make a temporary limit increase in the Triodos Mobile Banking App or via Internet Banking.

In Internet Banking:

Go to ‘Self Service', select ‘Account Settings’ then ‘Daily Limit’, here you can request the temporary payment limit change.

In the Mobile Banking App:

Go to ‘More’ then ‘Account Settings’ and select the account you wish to apply the temporary change to. From there, choose ‘Daily limit’.

Once you’ve submitted the request, you’ll need to wait four hours before it goes live, we’ll send you an email confirmation once it has.

Please note this is for faster payments only. For debit card changes, please see How do I change my debit card daily limits? | Triodos Bank 

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

Annual Service Charge – paid by you quarterly 

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

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

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

The Annual Service Charge (ASC):

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

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

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

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

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

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

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

The Ongoing Charges Figure (OCF):

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

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

Triodos Global Equity Impact Fund

Triodos Pioneer Impact Fund

Triodos Future Generations Fund 

Triodos Sterling Bond Impact Fund

Your personal data is used to provide you with valuable insights, helping you manage your finances more effectively. For example, Insights can help you keep track of your budget, give you a look ahead at your future balances, and help you avoid potential unarranged overdrafts.  

We may also use your data to offer you relevant product opportunities, such as savings or investment options tailored to your financial situation. Additionally, we can provide impact-related insights, such as information on specific investment funds, so you are well-informed about the potential impact of your investments. 

At Triodos Bank, keeping your data safe and private is very important to us. We always handle your information with care and take different steps to make sure your banking is secure. 

Insights help you get a better overview of your spending by analysing your account details, account balances, account transactions, card information, and card transactions.  

Read more about how your personal data is used for Insights. 

 Before you start using Insights, you will need to give your consent to process your transaction data. You can withdraw this consent at any time and turn off Insights. 

A key element of our mission and values is to protect and promote human dignity for all. That includes our responsibilities to our own co-workers. We expect all customers, applicants, enquirers, and others to treat our teams with respect at all times. We want to make it clear that we do not tolerate inappropriate behaviour towards our co-workers or while using our services. For example, behaving in a threatening or abusive or offensive or intimidating/harassing manner to our co-workers; or using abusive or offensive language in payment instructions or in any contact with us. If ever our co-workers experience such behaviour, they are authorised to terminate communication via the contact channel being used. Where appropriate, we may also then look to withdraw/restrict/suspend our services; and/or to close the account(s) of the customer involved; and/or to report such incidents to the Police or others.

Yes. You can transfer an existing stocks and shares ISA to a Triodos Stocks and Shares ISA. Be aware, if transferring from a stocks and shares ISA, your investments will be sold and the transfer will be completed in cash.

If you don't already have a Triodos Stocks and Shares ISA, you will need to open one first. You can do this via the Triodos Mobile Banking App.

To request the transfer, you’ll need to download and complete the relevant form below. The forms are interactive so you can fill out your details online, but you’ll need to print the form and sign it using a pen.

Then simply return it to ‘Freepost TRIODOS BANK’ and we’ll transfer the funds directly between your ISAs and protect your tax-free ISA status. Do not move funds out of an ISA yourself, because your money will lose this ISA status.

The transfer process usually takes between 14-30 days. We’ll write to you when the transfer is complete.

Transfer from another provider to a Triodos Stocks and Shares ISA
Transfer from another Triodos ISA to a Triodos Stocks and Shares ISA