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

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.

£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.

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.

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.

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

Screen scraping happens when you allow a third party to log into your computer while you are using it, so they see what you are doing and can copy the data on the screens you are viewing. This is a way for third parties to be able to get access to your payment data or account overview.

Triodos Bank is not in favour of this practice, as it potentially compromises the integrity of your own computer and your passwords.

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 Triodos Saver 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.

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.

It’s important to keep your codes and PINs secret and your digipass safe. Here are some precautions you can take:

1. Destroy any PIN notification immediately after receiving it from us
2. Never write your PIN or security details in a way that might be understood by someone else or record them on any item or in any place that might be accessed by someone else
3. Take all reasonable care to ensure that no-one sees your PIN, password or security word when you use them.
4. Avoid a PIN that is easy to guess
5. Never share your digipass
6. Keep your digipass in a safe place

We will never contact you to ask you to reveal your internet banking PIN or password and we will never send you any emails asking for your security information.

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

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.

Payments from your Account will be made as per the notice period on your Account. You choose this notice period when you open your Account.

If you have a Triodos Online Cash ISA or a Triodos 90 Day Notice Online Cash ISA , withdrawals are set up by you through Triodos Bank Internet Banking and there is no option for early withdrawal.

If you have a Triodos Fixed Rate Cash ISA, you will not be allowed to make a withdrawal, but you will be able to close the account if you need to get to your Triodos Fixed Rate Cash ISA savings before the end of your fixed term.

If you have a Triodos Cash ISA or a Triodos Cash ISA (TOISA) withdrawals can be made by sending us a signed written instruction and this will be carried out as per the notice period on your Account. If you think you are going to need access to your savings at short notice then you should consider opening an easy access account as all of our cash ISAs have a notice period for withdrawals and you agree to this when you apply for the account.

Triodos Bank operates a simple and transparent banking model that means we use only your savings to lend to cultural, social and environmental projects within the UK. The majority of our personal savings accounts have a notice period so that we can closely manage the funds available to lend to sustainable businesses.

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.

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.

Yes, cheque books are not issued automatically as we understand that some customers do not require them. If you would like to order one please call our contact team on 0330 355 0355 to request one or send a secure message in internet banking.

Tree-oh-dos

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.

Triodos will be offering Open Banking services from 14 September 2019. Triodos will only facilitate the sharing of your account information with other parties when you have provided your explicit consent for us to do so.

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.

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.

We are part of the Current Account Switch Service so customers can switch current accounts to Triodos Bank from another UK bank or building society quickly and easily.

We've produced a short online video to show you how to set up your digipass 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.

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

As a result of the UK’s planned withdrawal from the European Union (also known as Brexit), Triodos has made some necessary changes in our set up as a bank. We have created a new subsidiary company, Triodos Bank UK Ltd, wholly owned by Triodos Bank N.V. The new structure came into effect on 1 May 2019. Read more about Triodos Bank UK's change of legal structure.

Yes.

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

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

Setting up a Direct Debit should be done through the company who will be claiming the Direct Debit. You can cancel a Direct Debit in the 'Account Information' tab in Internet Banking, however you will need to contact the company who claim the Direct Debit to cancel it with them as well

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.

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.

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.

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

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.

The sort code for Triodos Bank is:   16-58-10

For foreign payments to a Triodos account the above sort code is not valid. Also mandatory information is needed to ensure a foreign payment reaches your account.

Unfortunately not. The account is online only (via mobile app and internet banking) with text alerts to help customers manage their money. However, our Contact Team is available to offer support should you have any issues using your account contact us.

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.

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.

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.

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.

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.

You need to be a UK resident aged 18 or over to be eligible to apply for the Personal Current Account.

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

The digipass is our current method of logging into Internet Banking, we feel this provides a strong level of security. We are looking at future improvements that we can make to our online banking including mobile app features and or login process.

The Impact Investment Funds (SICAV I) dividends are paid if approved at the annual general meeting which is held on the third Wednesday of April each year. All distribution share holders as at the Record date will be entitled to a dividend payment. The key dates including the Record date and Payment date are communicated to shareholders by post each year.

RBC Dexia calculate and inform T. Bailey of the dividend rate on the Ex-dividend date. T.Bailey administers the payment of dividends to qualifying shareholders once dividend funds are received in the UK on the Payment date. A tax voucher or income statement will be sent to confirm the dividend amount.

We do not currently offer a debit card on our business or charity accounts. The account can be accessed online via internet banking, and cheque books are issued with the account. We regularly review the products and services that we offer along with customer feedback to determine and prioritise future enhancements. Whilst it’s a service that we would like to offer, we don’t have plans in the foreseeable future to launch a debit card facility for business 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.

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.

You can open more than one Triodos Fixed Rate Cash ISA. You are only able to subscribe to one cash ISA per tax year.