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Unity Trust VS MultiPass: Business Banking Review & Fee Comparison


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

Is Unity Trust or MultiPass better for your small business?



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Below we look at both Unity Trust and MultiPass 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.

Unity Trust Homepage
Unity Trust Homepage


MultiPass Homepage
MultiPass Homepage
 

Unity Trust vs MultiPass Trustpilot Reviews

Unity TrustMultiPass
Trustpilot Review Score (out of 5)44.5
Percent 5-Star Reviews61%81%
Percent 1- Star Reviews14%12%
Total Number of Reviews25574
Sources:
https://www.trustpilot.com/review/unity.co.uk
https://www.trustpilot.com/review/multipass.co

Unity Trust vs MultiPass App Reviews

Unity TrustMultiPass
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/

Unity Trust vs MultiPass Account Fees & Charges

Unity TrustMultiPass
Free Business Bank AccountNoNo
Free Business Account Term LengthNANA
Cheapest Monthly Account Fee£6£29
Most Expensive Monthly Account Fee£6£250
Electronic Payment Cost (in/out)14pFree + 50p
Cash Payments Cost (in/out)50p per £100Free / £1 per £100
Cheques (in/out)30p per itemFree
CHAPS Payments Cost£28£18
SEPA Payments Cost25p€1

Unity Trust vs MultiPass Business Savings Rates

Unity TrustMultiPass
Types of Business Savings AccountsInstant Access, Fixed TermNone
Lowest Savings Rate (AER)2.77%NA
Maximum Savings Rate (AER)5.10%NA
Minimum Savings AmountNoNA
Interest Paid On Foreign CurrenciesYesYes
 

Unity Trust vs MultiPass Account Opening Times

Unity TrustMultiPass
Can You Apply Online?YesYes
How Long Does Opening An
Account Typically Take?
7 Working days10 minutes
Do They Check Your Credit?YesYes
Current Account Switch ServiceYesNo

Unity Trust vs MultiPass Features & Account Types

Unity Trust Account Types
Unity Trust Features & Account Types


MultiPass Account Types
MultiPass Features & Account Types


Unity TrustMultiPass
Business Current AccountYesYes
Business Savings AccountYesNo
Business Credit CardNoNo
Business OverdraftYesNo
Accounts For StartupsYesYes
Accounts For CharitiesYesNo
Accounts For Sole TradersYesYes
Joint Business Accounts AvailableYesNo
Card TypeMastercardMastercard
Online BankingYesYes
Mobile BankingNoNo
In Person/Branch BankingNoNo
Branch LocationsNo own branches but can use NatWest, RBS or Ulster Bank locationsNone, online only

Unity Trust vs MultiPass Customer Support Options

Unity TrustMultiPass
Phone Support AvailableYesYes
Email Support AvailableYesYes
App Based Support NoNo
Web Based SupportYesYes
In person Customer SupportNoNo

Unity Trust vs MultiPass Foreign Currency Accounts

Unity TrustMultiPass
US Dollar (USD) Bank AccountsYesYes
Euro (EUR) Bank AccountsYesYes
Other Currencies Available:
  • 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)
  • AZN
  • BRL
  • BYN
  • BGN
  • HRK
  • HUF
  • ILS
  • INR
  • KZT
  • KRW
  • LAK
  • LTL
  • MXN
  • MYR
  • NOK
  • PHP
  • PLN
  • RON
  • RUB
  • SEK
  • SGD
  • THB
  • TRY
  • UAH
  • VND
  • ZAR

Other Business Services From Unity Trust and MultiPass

Unity Trust Account Types
Other Unity Trust Services


MultiPass Account Types
Other MultiPass Services


Unity TrustMultiPass
Business LoansYesNo
Commercial MortgagesYesNo
Invoice FinancingNoNo
International PaymentsYesYes
Merchant Payment ServicesYesYes
Card MachinesNoNo
Free Accounting SoftwareNoNo

Unity Trust vs MultiPass Banking Basics

Unity TrustMultiPass
Bank TypeChallengerChallenger
FSCS ProtectionYes, up to £85,000No
FCA Number204570900840
WebsiteUnity Trust WebsiteMultiPass Website

Common Comparison Questions

Does Unity Trust or MultiPass have better customer reviews?

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

Whereas, MultiPass scores 4.5 out of 5 based 74 Trustpilot reviews. Of which 81% are 5-star and 12% are 1-star.

Does Unity Trust or MultiPass have a better App?

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.

In comparison, MultiPass’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 Unity Trust or MultiPass have better business savings rates?

Unity Trust offers the following types of business savings accounts: Instant Access, Fixed Term with interest rates ranging from 2.77% to 5.10%. (AER)

In contrast, MultiPass offers None accounts with interest rates ranging from NA to NA (AER).

See Other Comparisons:
Unity Trust vs Reliance Bank
Unity Trust vs SumUp Business Account
Unity Trust vs Cambridge & Counties Bank
Unity Trust vs Recognise Bank
Unity Trust vs Dudley Building Society


For other business bank accounts see our guide here.

 



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