I need access to my savings urgently - what can I do?

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.

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 open one first. Explore our range of ethical ISAs to find the right one for you, then apply 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 before returning to 'Freepost TRIODOS BANK'. Alternatively, you can submit your signed and completed form via the chat function in the Triodos App.

We’ll transfer your money directly between your ISAs and protect your tax-free ISA status. Do not move your money 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.

If you are transferring to a new Fixed Rate ISA, please note that it can take up to 30 days to complete a transfer. We must receive your money from your existing provider within 60 days of the Fixed Rate ISA account opening date, so please make sure you start the transfer process as soon as possible.

If you wish to close your Triodos savings account, please follow the instructions below. 

• Please send us a chat message in Internet Banking with the account number you wish to close. Please also confirm the sort code, account number, and account name of your registered nominated account, which is where any remaining balance and accrued interest will be paid to. 
• You can also request account closure by calling us and confirming these details over the phone.
• If you do not have Internet Banking, please send us a signed written instruction with details as above, 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

• If you wish to close a children’s account held in your name on their behalf, please send us a signed written instruction with details of where the funds need to be paid.

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, Online Saver and Online Cash ISA are online-only accounts, and completing and sending us the signature reply form does not mean you can then manage your account via post.

If you have a savings or Impact Investment Fund Cash Account and use the Triodos Mobile Banking App or a digipass to login to internet banking you can amend, remove and add nominated accounts by following these steps:

Internet Banking:

1. Login to Internet Banking with the Triodos App or your digipass.
2. Go to Self Service, then Account settings to view your existing nominated accounts.
3. To change one of these, select the one you would like to change or remove.
4. To add a new nominated account, select ‘add’.

Mobile App:

1. Select ‘More’ then choose Account Settings and select a savings account to view your existing nominated accounts.
2. To change one of these, select the one you would like to change or remove.
3. To add a new nominated account, select ‘add’.

The new nominated account must be a sterling account in your name with another UK bank or building society or an existing Triodos UK account that allows you to transfer money in.

For joint accounts, one account holder can make a change in Internet Banking or the TriodosApp. Both account holders will receive an email letting them know that a change has been requested.

For fraud prevention reasons, after you submit your request to change or add a nominated account, there will be a 24 hour wait period until the change becomes effective. However, if a nominated account is removed, it will occur immediately.

You are not able to use Internet Banking or the Triodos App to update nominated accounts for the following situations or accounts:

•    If you are a username and password customer

•    If you operate the account through Power of Attorney

•    If you manage your account by post

•    Depository Receipt Cash Accounts

•    Junior Cash ISA or Right Start Saver accounts

For these situations please 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

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 sterling account in your name with another UK bank or building society or an existing Triodos UK account that allows you to transfer in funds.

Please note we will not be able to process any written instructions unless we can verify your signature with the one held on our records.

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

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
  

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 change the statement frequency away from the default, Go to Internet Banking and choose Self service > Account Settings > Statement Frequency. Select from the drop down options to change. Please note this is not available on the Personal Current Account.

If you need an ad-hoc statement, for example for a mortgage application, please contact us.

Your Triodos account does not have a unique IBAN, so to receive an international payment into the account you will need to supply all the information below to the sending bank.

Please note the payment reference is crucial information that allows us to allocate the money into your account. Sending the payment without this will result in the payment being returned to the sender and a potential foreign exchange loss on the amount.

Beneficiary Account Name:
Customer’s name

Beneficiary address:
Customer’s address

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.

Your card is set to Europe usage, with the option to switch Worldwide on or off in Internet Banking or the Triodos App under Card Settings. 

Transactions are always subject to monitoring so your card may still be declined if we suspect your card is compromised. If a payment does get declined you can contact us 24/7 using the phone number on the back of your card. We would also advise travelling with more than one means of payment.

Use of your debit card outside the UK will incur a 2.5% foreign transaction fee and is subject to the exchange rate. You can use your card at any ATM or merchant where the Visa symbol is displayed and the transaction is made using either Chip & PIN or contactless.

Using Apple Pay or Google Pay abroad works the same way as the Triodos Debit Card and the same charges apply.

Transactions will be processed using the exchange rate set by Visa.

You can use our currency conversion calculator to see how much your transaction could cost. 

See our tariff of charges for full details or the Fee Information Document for more information.

When you send money, we will check with the bank you’re sending money to that the name on the account matches the bank details you’ve provided, and let you know if they don’t.

One of the following results will appear on your screen:

The recipient account name is a match

Means the recipient account name you entered matches the payee’s account name.

The recipient name you gave us is a close match, but not exactly the same as the name held on the account

Means the recipient name you gave us is a close match to the name held on the account but not an exact match. We will show the name on the account you’re paying to help you decide whether it’s the right person. You should also double-check the details and request another CoP check before sending any payment.

The recipient name you gave us is not the same as the name held on the account

Means the recipient name you gave us is different to the name held on the account. You should double-check the details and request another CoP check, otherwise your money could be sent to the wrong account.

It is important to be aware that if you choose to go ahead anyway, and the account does not belong to the intended recipient, we may not be able to get your money back.

The recipient bank account does not exist

Means it may be that the recipient account sort code or account number has been entered incorrectly, or the account may be closed. You will need to check with the recipient if their details are correct before you are able to make a payment. If an account does not exist, the payment can't be made.

Unable to check the name, please try again later

Sometimes we won’t be able to check the name on the account you’re sending money to. That doesn’t mean that anything’s wrong. It could just be that the payee’s bank or building society isn’t using CoP yet.

You can continue with the payment – but always double-check yourself that the account name and details are correct.

We are unable to verify these details with the recipient bank at this time – please check the details before continuing

Sometimes we won’t be able to check the name on the account you’re sending money to. That doesn’t mean that anything’s wrong. It could just be that the payee’s bank or building society isn’t using CoP yet.

You can continue with the payment – but always double-check yourself that the account name and details are correct.

The Financial Services Compensation Scheme (FSCS) is a UK body which gives you automatic protection up to £120,000 if your bank, building society, or credit union goes out of business.

Your eligible deposits with Triodos Bank UK are protected up to a total of £120,000 by the FSCS. An eligible deposit is money in accounts such as current and savings accounts, including cash ISAs. With Triodos, this will also cover cash held in investment accounts but not the investments themselves.

Please note that the £120,000 will apply to the total of all eligible deposits with Triodos Bank rather than per account or product. Any deposits over this amount are unlikely to be covered.

For more information, please visit the Triodos FSCS webpage.

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 2026/27 tax year is £20,000. For Junior Cash ISAs, the allowance is £9,000.

You can amend a standing order through Internet Banking or through the Triodos Mobile Banking App.

From the main menu, click on your account, then the ‘Upcoming’ tab and select the standing order you wish to change. Select ‘amend’.

Input new amount, reference, date, and frequency and follow on-screen instructions to authorise.

To cancel a standing order through Internet Banking or through the Triodos Mobile Banking App.

From the main menu, click on your account, then the ‘Upcoming’ tab and select the standing order you wish to cancel. Select ‘delete’. 

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

You need a nominated account 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 or another Triodos Bank UK account in your name.

You may have up to three nominated accounts. In the case of sole Account holders, they must all be personal accounts held in your name. In the case of joint Account holders, you may choose one joint personal account held in both your names and one sole personal account each.

As you'd expect from a bank, we take security very seriously - here are some things we do to keep you safe. To help you spot fraud, we’d also like you to know the things we’d never do.

What we do

• Provide around the clock debit card transaction monitoring.
• Provide 24/7 phone support to answer your questions about your debit card.
• Give you the ability to block your card in the Triodos App or Internet Banking.
• Temporarily block accounts and debit cards if fraudulent activity is suspected.
• Automatically log you out of Internet Banking and the app after a period of inactivity.
• Keep you up to date with fraud protection advice.
• Send text alerts when online or card transactions are made.
• Temporarily suspend your Internet Banking if left dormant for a long time.
• Monitor payments to assess whether the payment you are making is likely to have been made as part of a scam.

What we’ll never do

We will never contact you out of the blue to ask you:

• For your mobile app passcode.
• For your digipass PIN.
• For your card number or PIN.
• To transfer money out of your account.
• To click a link in an email to our Internet Banking.
• To download any software onto your PC or mobile phone.
• To authorise or cancel card payments through the app, or approve “refunds”.

If in doubt, call us on the number on our website, or delete the email without opening it.

Learn more about how to stay safe online or visit Report Fraud.

£20,000 per day for Personal current account payments

£100,000 per day for Personal savings account customers.

£100,000 per transaction for Business customers.

The Faster Payment limit is cumulative and includes all amounts authorised on that day, even payments set for a future date. You are able to make multiple Faster Payments a day, but once the daily limit is reached, the payment needs to be made as a CHAPS payment, with a fee of £20.00.

If you are making payments above £20,000 there are new daily payment limits. Find out more. 

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.

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

Since 6 April 2024, you have been able to subscribe to more than one Cash, Stocks & Shares or Innovative Finance ISA in the same tax year. However, it is still only possible to have one Lifetime ISA. Please note that Triodos does not offer Lifetime ISAs.