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 2019/20 tax year is £20,000. For Junior Cash ISAs, the allowance is £4,368.

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

Swift/BIC:

NWBKGB2LGPL

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.

Please be aware that as a result of the UK’s expected 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.

Yes.

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

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

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
• Triodos Two Year Fixed Rate Cash ISA
• Triodos Three Year Fixed Rate 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.

To top up a Triodos Cash ISA:

• Make a 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 subscribe to accepts cheques - contact us if you are not sure on 0330 355 0355 or +44 (0)117 973 9339 if calling from abroad

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

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.

Your eligible deposits with Triodos Bank UK Ltd are protected up to a total of £85,000. Learn more about the Financial Services Compensation Scheme.

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

If you authorised a card payment or any other payment from your account, you will be responsible for it. If your card or security details are used to make a payment or transfer without your permission, we will refund the full amount (minus £35 where applicable) of the payment as soon as is operationally possible. This includes repayment of any interest or charges incurred as a result of the payment. However, you must notify us as soon as possible and no later than 13 months after the debit date. After this time we will not be able to issue a refund.

You may have to pay up to £35 if:

• Your card is used after being lost or stolen
• You fail to keep your security details safe

You may be responsible for money taken from your account up until the point you report it to us, if you:

• Don’t keep your card or security details secure
• Don’t tell us as soon as possible that your card is lost or stolen
• Share your card, digipass or security details with a third party
• You were aware that your account had been compromised at the time that the payment was made and you failed to tell us.

You will not be responsible if you’re unable to notify us because our phone lines are unexpectedly unavailable or closed, as long as you call us when our lines open the next day.

1. Contact us immediately on 0330 355 0355 (or if abroad on +44 (0)1179 739339) if:

• You’ve lost your card or suspect it has been stolen
• You’ve lost any of your security details or think they have been stolen
• You think someone else may be able to use your card or security details

For card related queries, we're available 24/7. For other fraud related queries, we're available 8am-6pm Mon-Fri, and 10am-4pm weekends.

2. Once you've contacted us:

• We'll ask you for all information you have about the loss or theft and may require you to report it to the police
• If you find your card after reporting it as lost or stolen do not use it. Destroy your card immediately by cutting through both the magnetic stripe and chip

3. Once you’ve let us know, you can also report it to Action Fraud – the UK’s national fraud and cyber crime reporting centre:

• Call: 0300 123 2040
• Report it online: actionfraud.police.uk
  

If paid, cash dividends will be automatically paid by electronic bank transfer to your Depository Receipt Cash Account. Dividends will be converted from euros to sterling and will be subject to the euro-sterling exchange rate.

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 Online Cash ISA, 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.

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.

If you need a new digipass because the battery is low (when it displays 5%) please let us know and we will send out a replacement. You should receive this within 5 business days.

We will replace your digipass free of charge when the battery level is 5% or less. In our experience when it proactively displays “Low Battery” it will still have quite a long battery life left. You can find out the amount of battery left on your digipass by following these instructions:

If you have the older style navy blue digipass:

• Turn it on by pressing the red power button
• Press the letter “T” button five times until the display shows “TEST BATT?”
• Press the “=” sign

The display will tell you what percent of battery you have left.

If you have the green digipass:

• Turn it on by pressing the OK button on the lower right of the digipass
• Press the “>” button four times until you see “5. Info” on the screen
• Press OK
• Press the “>” button three times until it states “4. Battery level” on the screen
• Press OK

The display will tell you what percent of battery you have left.

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

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 we publish the entire portfolio of both funds on our website:

• Triodos Global Equities Fund
  
• Triodos Pioneer Impact Fund
  

You can utilise your ISA allowance by 'wrapping' your existing impact investment funds in our Ethical Stocks & Shares ISA, this is also known as a Bed and ISA. Within the Ethical Stocks & 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. We do not charge for the sale or repurchase, and we waive the initial charge when purchasing your holdings back. However, you must adhere to the minimum investment amount of £1,000 and the minimum top up amount of £500 per fund.

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 £12,000 (for the 2019/20 tax year), below which there is no charge on gains. If you happen to make a capital loss this can be used to offset future capital gains.

If you would like to wrap your holding in the Ethical Stocks & Shares ISA please download and print off the Ethical Stocks & Shares ISA Top Up form below.

To report your card lost or stolen please call us on 0330 355 0355 (or +44 (0)1179 739339 if calling from abroad) to speak to our 24/7 card services department. Unfortunately we do not have a facility to offer emergency cash in the instance where your card has been lost or stolen. A new debit card should arrive at your home address within five working days.

If you cannot find your card, you can put a temporary block on it by texting TRIODOS LOCK, followed by your six digit access code, followed by the last four digits of the sixteen digit number on the front of your card to 57887. For example, TRIODOS LOCK 123456 1234.

Your access code and the last four digits of your card number can be found in internet banking. This block can be lifted if the card is later found in a safe place

We support charities, social enterprises, mission-aligned “for profit” businesses and renewable energy projects to raise “non-bank” finance. A typical client is one who has a clear commercial proposition with equally clear social, cultural or environmental impact and who needs a form of finance that banks are typically unwilling to provide.

Many of our clients start by seeking bank debt but, often, lack the security or collateral required by those banks. Nonetheless, that does not mean they are not able to raise and service capital to grow and achieve sustainability – they simply need an alternative form of finance, often from alternative sources. It’s typically our role to help them access this capital.

When it comes to capital raising we:

• Help our clients get investment ready – meaning that when they approach the investor market they stand the best chance of securing investment. This may involve writing business plans, building financial models to help forecast future performance, advising on suitable governance structures etc;
• Advise on the right form of capital for the organisation and the best source of that capital;
• Advise on the optimal terms of any capital and help negotiate with investors to secure those terms.

In 2011, a Multilateral Convention on tax cooperation designed to tackle tax evasion and avoidance was signed by a number of countries including the UK. Under this agreement, Financial Institutions within signatory countries are obliged to exchange data relating to accounts held by tax residents of the other signatory countries.

Triodos Bank must check customer records and accounts to identify customers who are tax resident in the other signatory countries and report information on them. To do this we introduced new procedures from 1 January 2016.

For more information please visit www.oecd.org/tax/exchange-of-tax-information/  or speak to your tax advisor.

As you can see from our track record section, we work with a hugely diverse range of clients, operating across a breadth of sectors. What unites our clients is their positive impact on people and the planet and the fact that their values and ethos are aligned with ours. This can be subjective but if we feel that a prospective client is seeking to bring about positive change then we’re open to engaging with them to see if we can help. At all times we comply with the bank’s minimum standards.

Of course, the organisation or project needs to have the ability to service repayable finance and hence we need to feel comfortable that it has a clear and robust business plan - we’d also need to get comfortable with its financial position and performance (both historically and projected), the quality of management and with its track record in its sector. Some clients are much earlier in their journey than others and may not yet have ‘all the boxes ticked’ but we are open to exploring their needs and ambitions and we may feel that, with investment readiness support over a period of time, we can help them get to a position where they are well placed to take on investment.

As a result of the UK’s planned withdrawal from the European Union (also known as Brexit) we are in the process of making a legal transfer of the business of the UK branch of Triodos Bank NV to Triodos Bank UK Limited, currently planned to take place on 1 May 2019. Read more about Triodos Bank UK's change of legal structure.

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 Online Cash ISA (TOISA)

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.

Before you can apply for the Microfinance fund you will need to complete an Appropriateness Assessment. This will help us understand your knowledge and experience of this type of investment.

An Appropriateness Assessment can be downloaded below.

If we deem that the Triodos Microfinance fund is an appropriate investment for you, we will provide you with an application pack. Please note, that assessing the appropriateness of the Triodos Microfinance fund for you is not the same as providing financial advice. If you are unsure in any way whether the Triodos Microfinance fund is a suitable investment for you, you should seek independent financial advice. If you don't have a financial adviser, you can get details of local financial advisers by visiting www.unbiased.co.uk.

Based on your responses to the questions in this assessment, if we deem that the Triodos Microfinance fund is not an appropriate investment for you, we will let you know and you will not be able to continue with your application. You may wish to look at an alternative product in the Triodos range in order to invest or save ethically.

You can top up your investment in the Triodos Global Equities Impact Fund or Triodos Pioneer Impact Fund at any time. The minimum top up amount is £500. To instruct a top up, please complete a top-up form which can be downloaded from below.

You could also call us on 0330 355 0355 to request either form, and there are copies of the forms in the welcome pack that we sent you after you made your first investment.

We offer two impact investment funds - the Triodos Global Equities Impact Fund and the Triodos Pioneer Impact Fund. Both 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.

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 Microfinance Fund.

We've produced a short online video to show you how to set up your digiass and activate your online banking. Watch the video on Youtube now, or follow the steps below:

You will need your digipass, digipass PIN and need to know your security word as you will be asked to input these characters

 When you first use your digipass you will be prompted to change your Digipass PIN to something memorable. You can do this by following these simple steps:

 Switch the digipass on by pressing “OK”

• Press button “1” on the digipass
• Enter the four-digit digipass PIN we sent you and press “OK”
• You will now be prompted to enter your own new digipass PIN, which for your security must meet the following criteria:
• It must be four digits long
• It must be different to the PIN we sent to you
• It must not be a sequence of numbers, such as “1234”
• It must not be a sequence of identical numbers, such as “2222”
• It must not be easily obtained or guessed, such as using you date of birth

Please note, if your choice of digipass PIN isn’t considered secure enough the message “Weak PIN” will be displayed on the digipass. If this happens press “OK” and you will be prompted to enter a different, more secure, PIN.

When your PIN has been changed, an eight-digit code will be displayed

To login, continue to the Triodos homepage.

Turn the digipass over and input the digipass number from the back into the ‘digipass number’ - do not include hyphens - and then press NEXT.

There is an option to tick the ‘remember my number on this computer’ checkbox so you don’t have to input this every time.

Click on green NEXT box on the bottom right of the screen.

Follow the steps on the login page to complete login.

1. Turn on the Digipass by pressing OK and then press 1
2. Enter Your Digipass PIN and press OK. You will see a One Time Passcode or OTP, on the Display
3. Enter your OTP
4. Enter you the characters shown for you unique security word

You should now have accessed your internet banking and the home screen as shown below will be displayed.

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.

Contact us immediately on 0330 355 0355 (or +44 (0)1179 739339 if calling from abroad) if you think you've lost any of your security details or if you think they have been stolen or may be known by someone else.

You can request a password reset letter on our website at any time. This will cancel the old password to prevent access to your account by internet banking using the old password.

(From abroad:  +44 117 973 9339)

We're open 8am-6pm Monday-Friday.

At any other time you can request a call back using our automated system. We will do our best to call you back at the time requested but sometimes this may not be possible.

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

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.

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
5 Old Bailey
London
EC4M 7BA

Triodos Bank
50 Frederick Street
Edinburgh
EH2 1EX

This depends entirely on you. We first help to determine what kind of capital you need. We then ensure we find the right mix of investors to provide it.

We have unique access to approximately 4,000 socially-minded retail investor contacts via our existing investor database and our investment crowdfunding platform – we’re the only UK bank to offer its own crowdfunding platform. These social investors are keen to make a positive impact with their money, as well as earn a financial return.

Over the last 20 years, we have also developed strong relationships with an increasingly wide range of other investors including:

• Charitable trusts and foundations
• Social investment funds
• Family offices
• Housing associations
• Private banks and wealth managers
• IFAs and financial planners

In recent years, we’ve raised over £150m capital for over 60 impact projects and from a blend of these investors.

No – we do not guarantee or underwrite our offers and all investment offers are carried out on a best efforts basis. Clients are effectively engaging us based on our proven track record of completing deals successfully. With over £150 million raised, we’ve demonstrated our success in raising  capital for 60 impact projects across multiple sectors. This success is largely because we have a proven ability to judge what organisations we feel are ready, or could be with our support, to take on investment and which will deliver impact that resonates with the target investor audience. Our access to retail investors, a unique route to the investor market in our sector, is often an important consideration for prospective clients.

A meaningful proportion of our fee is typically contingent on a successful capital raising so this ensures we’re commercially motivated to deliver. 

We charge 0.5% with a minimum charge of £5 to sell Depository Receipts. This charge is collected from your sales proceeds.

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.

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 £4,368 for the 2019/20 tax year.

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.

With effect from 6 April 2019, we have changed the bank account we use to accept electronic bank transfers to invest in the Triodos Impact Investment Funds. Our new bank details can be found on our new tax year ISA top-up form for investments in the 2019/20 tax year.

If you have previously made an electronic payment through your online banking and have saved the details as a payee, please ensure you update them before making any payments from 6 April 2019.

To top up your Triodos Stocks and Shares ISA, simply download and complete the Stocks and Shares ISA top-up form below and post it to: Freepost RTAB-JGZR-BUHK, Triodos Bank,T. Bailey Asset Management Ltd, 64-66 St James’s Street Nottingham NG1 6FJ

The Triodos Impact Investment Funds invest in stock market listed companies, so returns are variable and not guaranteed, and you may not get back the amount you originally invested.

Past performance figures for both funds can be found on our fund pages:

• Triodos Global Equities Impact Fund
  
• Triodos Pioneer Impact Fund
  

Please note that past performance is not a guide to future returns.

At least 30 days before the end, we’ll ask you where you want your money to be paid. This can be into a new bond if one is available. If we don’t hear from you, we will transfer it into a 33-day notice Saver account - however, we won't apply the 33-day notice restriction on withdrawals during the first 30 days of this new Saver account.

If someone accesses your business account without your authorisation, we’ll refund the full amount of money taken from your account, as long as you:

• have not given someone else your security details (including your card or digipass PIN)
• have used reasonable care when using internet banking (e.g. logging out at the end of each internet banking session and not leaving your computer unattended while logged in)
• inform us as soon as possible of any security breach or potential breach
• have not acted fraudulently
• have taken all reasonable precautions to safeguard your personal and financial details. Read our terms and conditions below for more

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.

No. In addition to capital raising services we also:

• Help charities bid for competitively tendered payment-by-results contracts, help structure the investment required to fund those contracts (often through a social impact bond model) and then help raise that investment from social investors
  
• Undertake company valuation services
• Provide due diligence services – for example, a social investor may ask us to appraise the risks attached to a prospective investment opportunity prior to making any such investment:
• Impairment reviews – for example, a charitable trust or foundation that holds several social investments may ask us to appraise the carrying value of those investments to see if there is any evidence of impairment
• Advise charities and mission-aligned “for profit” businesses on management buyouts and other forms of acquisitions, mergers and disposals

We do not provide regulated investment advice.

This depends on the level of work and resource involved, the complexity of the project, the amount being raised (if a capital raising project), the length of time we are involved for and the availability of grant funding to cover our fees etc. On a capital raising mandate, our fee is typically structured as an up-front engagement fee plus a success-fee based on a percentage of funds raised. The contingent success fee element ensures our incentives are clearly aligned with the client (i.e. on successfully raising the capital).

On other mandates we may decide a time-based fee is more appropriate. Specific pieces of discrete work – such as drafting a valuation report, preparing a financial model, drafting a due diligence or advisory report – typically attract a pre-agreed, fixed priced fee.

Given the range of work we undertake and the variety of fee levels and fee structures adopted, we’d advise that fees are something we’d need to discuss on a case-by-case basis.

Typically, our clients have a degree of sector track record and financial history against which we can appraise their performance. However, we have worked with several ‘new’ renewable energy projects where they have Feed-in-Tariff pre-accreditation (and hence visibility over future, government-backed income streams) and where we are familiar with the management team and construction partners involved from other projects.

Equally we might consider working with an established charity looking to develop a new social enterprise arm if the business case is compelling. We have also worked with one or two genuine start-up organisations where we felt the business case was robust, the impact was high and the quality of management clear.

So if there is clear visibility, or better still, contractual security over future income streams and cash inflows, we’d be happy to explore this with a prospective client but with the caveat that the majority of our clients are further progressed along their journey.