United Trust Bank rates: up to 5.15% AER
bank · www.utbank.co.uk
Easy access
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| UTB Easy Access Account | £5,000–£150,000 | 3.75% | AER | 2026-11-01 | since 2026-11-01 | |
| UTB Limited Access Saver Accounts | up to 2 withdrawals · £5,000–£150,000 | 4.30% | AER | 2026-11-01 | since 2026-11-01 | |
| UTB Limited Access Saver Accounts | 3 or more withdrawals · £5,000–£150,000 | 2.75% | AER | 2026-11-01 | since 2026-11-01 |
Fixed rate bonds
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| UTB 6 Month Bond | 6 months · £5,000–£1m · fixed | 4.24% | AER | 2026-11-01 | since 2026-11-01 | |
| UTB 9 Month Bond | 9 months · £5,000–£1m · fixed | 4.22% | AER | 2026-11-01 | since 2026-11-01 | |
| UTB 1 Year Bond | 1 year · £5,000–£1m · fixed | 4.85% | AER | 2026-11-01 | since 2026-11-01 | |
| UTB 15 Month Bond | 15 months · £5,000–£1m · fixed | 4.90% | AER | 2026-11-01 | since 2026-11-01 | |
| UTB 18 Month Bond | 18 months · £5,000–£1m · fixed | 4.90% | AER | 2026-11-01 | since 2026-11-01 | |
| UTB 2 Year Bond | 2 years · £5,000–£1m · fixed | 5.05% | AER | 2026-11-01 | since 2026-11-01 | |
| UTB 3 Year Bond | 3 years · £5,000–£1m · fixed | 5.10% | AER | 2026-11-01 | since 2026-11-01 | |
| UTB 4 Year Bond | 4 years · £5,000–£1m · fixed | 5.00% | AER | 2026-11-01 | since 2026-11-01 | |
| UTB 5 Year Bond | 5 years · £5,000–£1m · fixed | 5.15% | AER | 2026-11-01 | since 2026-11-01 |
Notice accounts
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| UTB 100 Day Notice Issue 3 | £5,000–£1m · 100 days' notice | 3.85% | AER | 2026-11-01 | since 2026-11-01 | |
| UTB 180 Day Notice Base Rate Tracker | £5,000–£1m · 180 days' notice · tracker | 3.75% | AER | 2026-11-01 | since 2026-11-01 | |
| UTB 30 Day Notice | balances £5,000.00 to £9,999.99. · 30 days' notice | 3.85% | AER | 2026-11-01 | since 2026-11-01 | |
| UTB 30 Day Notice | balances £10,000.00 and above · 30 days' notice | 3.90% | AER | 2026-11-01 | since 2026-11-01 | |
| UTB 40 Day Notice Issue 2 | £5,000–£1m · 40 days' notice | 4.10% | AER | 2026-11-01 | since 2026-11-01 | |
| UTB 60 Day Notice Issue 1 | £5,000–£1m · 60 days' notice | 4.20% | AER | 2026-11-01 | since 2026-11-01 |
Cash ISAs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Cash ISA 1 Year Bond | 1 year · fixed | 4.95% | AER | 2026-11-01 | since 2026-11-01 | |
| Cash ISA 2 Year Bond | 2 years · fixed | 5.00% | AER | 2026-11-01 | since 2026-11-01 | |
| Cash ISA 3 Year Bond | 3 years · fixed | 5.05% | AER | 2026-11-01 | since 2026-11-01 | |
| Cash ISA 4 Year Bond | 4 years · fixed | 4.50% | AER | 2026-11-01 | since 2026-11-01 | |
| Cash ISA 5 Year Bond | 5 years · fixed | 5.10% | AER | 2026-11-01 | since 2026-11-01 | |
| Cash ISA 7 Year Bond | 7 years · fixed | 3.70% | AER | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.utbank.co.uk/deposits/isa-savings-accounts/ | 2026-11-01 12:21 UTC | ok | 42f21f2ea5ce |
| www.utbank.co.uk/deposits/personal/ | 2026-11-01 12:21 UTC | ok | ae9c5b7dc630 |