New UTB Base Rate Tracking Easy Access Account for Businesses and Charities Pays 4.05% Gross Interest with 6-Month Bonus

09 July 2025

United Trust Bank (UTB) has launched new Base Rate tracking easy access accounts for business and charity customers currently paying 4.05% Gross* inclusive of a fixed introductory additional bonus rate of 0.55% payable for the first 6-months from account opening.

The Business Easy Access Tracker and Charity Easy Access Tracker both pay interest at the Base Rate minus 0.75% - currently 3.50% Gross/AER*. However, customers will qualify for an additional bonus rate of 0.55% for the first 6-months from opening the account taking the rate to 4.05% Gross*. This is equivalent to 3.78% Gross/AER* with the bonus applying for 6 months. The interest payable will track any movement of the Bank of England Base Rate and can go up and down.

Like the Bank’s variable rate Easy Access account, customers can make unlimited deposits and withdrawals via their nominated bank account subject to the account balance limits.

The minimum deposit balance is £5,000, and the maximum is £100,000. More details on the Base Rate Tracking Easy Access, variable rate Easy Access and other UTB accounts, can be found on the website HERE

The account is simple to open via UTB’s website where customers will be able to find out more information and follow the link to an online application.

Great reasons to choose UTB’s Business Easy Access Tracker and Charity Easy Access Tracker accounts

Currently paying a competitive 4.05% Gross* interest during bonus period (assuming Base Rate remains at 4.25%)
3.50% Gross/AER* variable following bonus period (assuming Base Rate remains at 4.25%)
‘Excellent’ Trustpilot rating
FSCS Protected – Eligible funds are safe and secure
No Fees & Flexible Access – Manage your money without restrictions
Online Banking – Convenient access whenever you need it
UK-Based Service Team

Brian Todd, Deposits Director at United Trust Bank, commented:

“Our Base Rate tracking notice account has been very popular with our personal customers since adding it to our range last year, and I’m delighted to have launched these two new easy access tracker accounts for businesses and charities with a very competitive bonus interest rate just 0.20% below Base Rate guaranteed for the first 6 months.

“With these accounts, customers can have quick, unrestricted access to their money whilst still earning a great interest rate. And because UTB now offers a range of fixed, notice and easy access accounts, businesses and charities can, if they wish, create a portfolio of savings accounts with UTB allowing them to make the most of their cash reserves whilst retaining the cash flow flexibility and liquidity they need, all under one roof.”