Merchant Machine

Kent Reliance VS Unity Trust: Business Banking Review & Fee Comparison


By: Ian Wright | Last Updated: May 22, 2025

Is Kent Reliance or Unity Trust better for your small business?



Compare UK Business Bank Accounts

Powered By BusinessBankAccounts.co.uk



Below we look at both Kent Reliance and Unity Trust reviews on Trustpilot along with their App reviews from Apple and Google.

We then look at typical fees, business savings rates, foreign currency options and a whole bunch of other account features to help you make up your mind.

Kent Reliance Homepage
Kent Reliance Homepage


Unity Trust Homepage
Unity Trust Homepage
 

Kent Reliance vs Unity Trust Trustpilot Reviews

Kent RelianceUnity Trust
Trustpilot Review Score (out of 5)44
Percent 5-Star Reviews61%61%
Percent 1- Star Reviews22%14%
Total Number of Reviews2,104255
Sources:
https://www.trustpilot.com/review/www.kentreliance.co.uk
https://www.trustpilot.com/review/unity.co.uk

Kent Reliance vs Unity Trust App Reviews

Kent RelianceUnity Trust
iPhone Review Score (out of 5)No RatingNo Rating
Number of iPhone ReviewsNo ReviewsNo Reviews
Android Review Score (out of 5)No RatingNo Rating
Number of Android ReviewsNo ReviewsNo Reviews
Sources:
https://www.apple.com/uk/app-store/
https://www.apple.com/uk/app-store/

Kent Reliance vs Unity Trust Account Fees & Charges

Kent RelianceUnity Trust
Free Business Bank AccountNoNo
Free Business Account Term LengthNANA
Cheapest Monthly Account FeeFree£6
Most Expensive Monthly Account FeeFree£6
Electronic Payment Cost (in/out)£1014p
Cash Payments Cost (in/out)£150p per £100
Cheques (in/out)£130p per item
CHAPS Payments Cost£10£28
SEPA Payments CostNo25p

Kent Reliance vs Unity Trust Business Savings Rates

Kent RelianceUnity Trust
Types of Business Savings AccountsEasy access, Notice Account, Fixed rate, Business savingsInstant Access, Fixed Term
Lowest Savings Rate (AER)0.10%2.77%
Maximum Savings Rate (AER)5.13%5.10%
Minimum Savings Amount£1,000No
Interest Paid On Foreign CurrenciesNoYes
 

Kent Reliance vs Unity Trust Account Opening Times

Kent RelianceUnity Trust
Can You Apply Online?YesYes
How Long Does Opening An
Account Typically Take?
10 minutes7 Working days
Do They Check Your Credit?YesYes
Current Account Switch ServiceNoYes

Kent Reliance vs Unity Trust Features & Account Types

Kent Reliance Account Types
Kent Reliance Features & Account Types


Unity Trust Account Types
Unity Trust Features & Account Types


Kent RelianceUnity Trust
Business Current AccountNoYes
Business Savings AccountYesYes
Business Credit CardNoNo
Business OverdraftNoYes
Accounts For StartupsYesYes
Accounts For CharitiesYesYes
Accounts For Sole TradersYesYes
Joint Business Accounts AvailableYesYes
Card TypeNoneMastercard
Online BankingYesYes
Mobile BankingNoNo
In Person/Branch BankingYesNo
Branch LocationsLocations in Kent onlyNo own branches but can use NatWest, RBS or Ulster Bank locations

Kent Reliance vs Unity Trust Customer Support Options

Kent RelianceUnity Trust
Phone Support AvailableYesYes
Email Support AvailableYesYes
App Based Support NoNo
Web Based SupportYesYes
In person Customer SupportYesNo

Kent Reliance vs Unity Trust Foreign Currency Accounts

Kent RelianceUnity Trust
US Dollar (USD) Bank AccountsNoYes
Euro (EUR) Bank AccountsNoYes
Other Currencies Available:No
  • Australian Dollar (AUD)
  • Canadian Dollar (CAD)
  • Swiss Franc (CHF)
  • Danish Krone (DKK)
  • Norwegian Krone (NOK)
  • Swedish Krona (SEK)
  • New Zealand Dollar (NZD)
  • Japanese Yen (JPY)

Other Business Services From Kent Reliance and Unity Trust

Kent Reliance Account Types
Other Kent Reliance Services


Unity Trust Account Types
Other Unity Trust Services


Kent RelianceUnity Trust
Business LoansYesYes
Commercial MortgagesYesYes
Invoice FinancingNoNo
International PaymentsNoYes
Merchant Payment ServicesNoYes
Card MachinesNoNo
Free Accounting SoftwareNoNo

Kent Reliance vs Unity Trust Banking Basics

Kent RelianceUnity Trust
Bank TypeChallengerChallenger
FSCS ProtectionYes, up to £85,000Yes, up to £85,000
FCA Number530504204570
WebsiteKent Reliance WebsiteUnity Trust Website

Common Comparison Questions

Does Kent Reliance or Unity Trust have better customer reviews?

Kent Reliance scores 4 out of 5 based 2,104 Trustpilot reviews. Of these reviews 61% are 5-star and 22% are 1-star.

Whereas, Unity Trust scores 4 out of 5 based 255 Trustpilot reviews. Of which 61% are 5-star and 14% are 1-star.

Does Kent Reliance or Unity Trust have a better App?

Kent Reliance’s iPhone App is rated No Rating out of 5 based on No Reviews reviews. And it’s Android App is rated No Rating out of 5 based on No Reviews reviews.

In comparison, Unity Trust’s iPhone App is rated No Rating out of 5 based on No Reviews reviews. And it’s Android App is rated No Rating out of 5 based on No Reviews reviews.

Does Kent Reliance or Unity Trust have better business savings rates?

Kent Reliance offers the following types of business savings accounts: Easy access, Notice Account, Fixed rate, Business savings with interest rates ranging from 0.10% to 5.13%. (AER)

In contrast, Unity Trust offers Instant Access, Fixed Term accounts with interest rates ranging from 2.77% to 5.10% (AER).

See Other Comparisons:
Kent Reliance vs United Trust Bank
Kent Reliance vs HSBC Kinetic
Kent Reliance vs CardOneMoney
Kent Reliance vs Fair Everywhere
Kent Reliance vs Countingup


For other business bank accounts see our guide here.

 



Please note: Merchant Machine is an information and comparison website only.
We do not provide merchant services nor can we recommend which solution is right for you and your business.
Blog · About · Privacy Policy · Terms of Use · Contact Us
Copyright © 2025 Brilliant British Ltd trading as Merchant Machine

Registered Office Address:
3rd Floor Great Titchfield House, 14-18 Great Titchfield Street, London, United Kingdom, W1W 8BD
Company number 10490224