Unity Trust Bank

Unity Trust Bank business banking review

Discover the pros and cons of Unity business accounts and how they compare to other available business banking options.

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Unity Trust Bank is a socially responsible commercial bank. If you’re using this bank, you can be confident that your finances are being used to fund helpful projects in your local community.

It offers current accounts and savings accounts to businesses, as well as business loans.

What business bank accounts are available for Unity Trust Bank customers?

Business owners can apply for a current account or savings account.

Unity Current Account

The Unity Current Account is available for businesses with an annual turnover up to £2 million.

Businesses with turnovers under £100,000 will pay no fees on transfers in and out of the account. Those with a turnover between £100,000 and £2 million will pay 15p for every debit and credit account.

The account fee is £6 per month, charged quarterly. You can pay money into the Post Office, NatWest, RBS and Ulster Bank. There is no debit card available with this account.

Unity Custom Account

This account is for businesses with a turnover over £2 million. It comes with a dedicated account relationship manager and account fees are negotiable.

You can deposit money at branches of the Post Office, NatWest, RBS or Ulster Bank. There is no debit card available with this account.

Business savings accounts

Unity Trust Bank offers an instant-access account, and notice accounts with terms of 30 days and 90 days.

The instant-access account doesn’t pay interest on balances.

To open a notice account, you’ll need to deposit at least £500,000 (or £2 million for the 30-day account). The interest rates on this account are only available upon request.

How to apply for a Unity Trust Bank business account

You can apply for an account on the Unity Trust Bank website. Simply choose your account and the click on the red “Apply” button.

Alternatively, scroll to the bottom of the page and click the “Switch to us” button. Unity Trust Bank is part of the Current Account Switch Service that guarantees a seamless switch within seven days.

Pros and cons


  • Your finances will be used to fund socially responsible projects.
  • No transfer fees for businesses with low turnovers.


  • No debit cards available with current accounts.
  • No eye-catching perks available with current accounts.
  • No interest paid on its instant-access savings account.
  • You’ll need at least £500,000 to open a notice savings account.

Customer service information for Unity Trust Bank

Email support
Telephone support
In-app or live chat
Contact form
Branch support

Our verdict

It’s great that Unity Trust Bank has committed to funding socially responsible projects, but there aren’t that many perks available with its business banking products. The lack of debit cards, and the high balances needed to open a savings account, are huge flaws, for example.

There are many business bank accounts out there, so do your research before you commit you and your business to just one. See our guide to the best business bank accounts to find one that suits you best.

Get started by visiting Unity Trust Bank’s website and sign up for an account. If you have read this review and decided that Unity Trust Bank’s account is not for you, you can also compare other business bank accounts on the market.

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