Is United Trust Bank or Charity Bank better for your small business?
Below we look at both United Trust Bank and Charity Bank 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.
United Trust Bank vs Charity Bank Trustpilot Reviews
| United Trust Bank | Charity Bank | |
| Trustpilot Review Score (out of 5) | 4.6 | 3.3 |
| Percent 5-Star Reviews | 78% | 33% |
| Percent 1- Star Reviews | 3% | 34% |
| Total Number of Reviews | 1,372 | 3 |
https://www.trustpilot.com/review/utbank.co.uk
https://www.trustpilot.com/review/charitybank.org
United Trust Bank vs Charity Bank App Reviews
| United Trust Bank | Charity Bank | |
| iPhone Review Score (out of 5) | 5 | No Rating |
| Number of iPhone Reviews | 5 | No Reviews |
| Android Review Score (out of 5) | No Rating | No Rating |
| Number of Android Reviews | No Reviews | No Reviews |
https://apps.apple.com/us/app/united-trust-bank/id6444029400
https://www.apple.com/uk/app-store/
United Trust Bank vs Charity Bank Account Fees & Charges
| United Trust Bank | Charity Bank | |
| Free Business Bank Account | No | No |
| Free Business Account Term Length | NA | NA |
| Cheapest Monthly Account Fee | £12.50 | Free |
| Most Expensive Monthly Account Fee | £25 | Free |
| Electronic Payment Cost (in/out) | Free | No |
| Cash Payments Cost (in/out) | Free / £1.50 | Free |
| Cheques (in/out) | Free / £2.50 | Free |
| CHAPS Payments Cost | £25 | £10 |
| SEPA Payments Cost | No | 20p |
United Trust Bank vs Charity Bank Business Savings Rates
| United Trust Bank | Charity Bank | |
| Types of Business Savings Accounts | Fixed Term Business Bonds, Notice Accounts, Tracker Accounts | CITR accounts, Easy Access, Notice Accounts, Fixed Account |
| Lowest Savings Rate (AER) | 3.75% | 2.02% |
| Maximum Savings Rate (AER) | 5.25% | 4.51% |
| Minimum Savings Amount | £5,000 | £1,000 |
| Interest Paid On Foreign Currencies | Yes | No |
United Trust Bank vs Charity Bank Account Opening Times
| United Trust Bank | Charity Bank | |
| Can You Apply Online? | Yes | Yes |
| How Long Does Opening An Account Typically Take? | 7 Working days | Undisclosed |
| Do They Check Your Credit? | Yes | Yes |
| Current Account Switch Service | Yes | Yes |
United Trust Bank vs Charity Bank Features & Account Types
| United Trust Bank | Charity Bank | |
| Business Current Account | Yes | Yes |
| Business Savings Account | Yes | Yes |
| Business Credit Card | No | No |
| Business Overdraft | Yes | No |
| Accounts For Startups | Yes | Yes |
| Accounts For Charities | Yes | Yes |
| Accounts For Sole Traders | Yes | Yes |
| Joint Business Accounts Available | Yes | Yes |
| Card Type | Visa | Mastercard |
| Online Banking | Yes | Yes |
| Mobile Banking | Yes | No |
| In Person/Branch Banking | No | No |
| Branch Locations | London office only | Tonbridge |
United Trust Bank vs Charity Bank Customer Support Options
| United Trust Bank | Charity Bank | |
| Phone Support Available | Yes | Yes |
| Email Support Available | Yes | Yes |
| App Based Support | Yes | No |
| Web Based Support | Yes | Yes |
| In person Customer Support | No | No |
United Trust Bank vs Charity Bank Foreign Currency Accounts
| United Trust Bank | Charity Bank | |
| US Dollar (USD) Bank Accounts | Yes | No |
| Euro (EUR) Bank Accounts | Yes | No |
| Other Currencies Available: |
| No |
Other Business Services From United Trust Bank and Charity Bank
| United Trust Bank | Charity Bank | |
| Business Loans | Yes | Yes |
| Commercial Mortgages | Yes | Yes |
| Invoice Financing | Yes | No |
| International Payments | Yes | Yes |
| Merchant Payment Services | No | No |
| Card Machines | No | No |
| Free Accounting Software | No | No |
United Trust Bank vs Charity Bank Banking Basics
| United Trust Bank | Charity Bank | |
| Bank Type | Challenger | Challenger |
| FSCS Protection | Yes, up to £85,000 | Yes, up to £85,000 |
| FCA Number | 204463 | 207701 |
| Website | United Trust Bank Website | Charity Bank Website |
Common Comparison Questions
Does United Trust Bank or Charity Bank have better customer reviews?
United Trust Bank scores 4.6 out of 5 based 1,372 Trustpilot reviews. Of these reviews 78% are 5-star and 3% are 1-star.
Whereas, Charity Bank scores 3.3 out of 5 based 3 Trustpilot reviews. Of which 33% are 5-star and 34% are 1-star.
Does United Trust Bank or Charity Bank have a better App?
United Trust Bank’s iPhone App is rated 5 out of 5 based on 5 reviews. And it’s Android App is rated No Rating out of 5 based on No Reviews reviews.
In comparison, Charity Bank’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 United Trust Bank or Charity Bank have better business savings rates?
United Trust Bank offers the following types of business savings accounts: Fixed Term Business Bonds, Notice Accounts, Tracker Accounts with interest rates ranging from 3.75% to 5.25%. (AER)
In contrast, Charity Bank offers CITR accounts, Easy Access, Notice Accounts, Fixed Account accounts with interest rates ranging from 2.02% to 4.51% (AER).
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For other business bank accounts see our guide here.