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Why Who You Bank With Matters

When you stand for something, your money should too.

Home » Impact Hub » Why Who You Bank With Matters

Finance that reflects you

Every deposit your organisation makes has power. It represents an opportunity to create visible, measurable social impact.

When most people choose a bank, they focus on rates, apps and convenience. But behind every account, loan and business transaction is a financial institution using your money to shape the world. That’s why who you bank with really matters – choosing the right bank means choosing the kind of future you want to help build.

At Unity Trust Bank, we help you turn values into action and money into mission by:

Delivering measurable social, economic or environmental impact

Your deposits with Unity Trust Bank don’t just sit on a balance sheet, they go to work funding community initiatives and social change.

  • 100% transparent investment strategy.
  • Full impact reporting, see exactly where your money goes.
  • Zero exposure to fossil fuels, arms, tobacco or gambling.
  • Deposits aligned with UN SDGs.

Working with customers who share our values to fund real change

You deserve a bank that speaks your language, not just a call centre or a chatbot. We offer real relationships, built on real understanding of your world.

  • No ‘one-size-fits-all’, tailored deposit solutions for every organisation.
  • Support that aligns with your governance and trustee requirements.
  • Backed by decades of ethical banking experience.

Over half of our lending goes to areas of high deprivation, helping local economies break out of cycles of low growth and low confidence. Our annual Impact Report demonstrates how our funding reaches those who need it most, ensuring that finance delivers real, measurable benefits to communities.

Investing profits into housing, healthcare, education and community growth

We’re not an Environmental, Social and Governance (ESG) sideline. We’re a bank with a social mission baked into everything we do, and we’ve been doing it for 40 years.

  • 100% of our lending goes to organisations making a positive impact.
  • No investment in harmful industries. Ever.
  • Governance grounded in values. No shareholder pressure. No sales-driven bonuses.
  • Supporting over 1,400* charities and social enterprises nationwide.

* as at 12/2025

Carbon Footprint and Net Zero

We’re committed to helping customers on their journey to net zero. From financing sustainable housing and renewables to supporting community energy projects, we focus our lending where it accelerates decarbonisation and drives long-term environmental change across the UK.

Lending where it’s needed most

We lend where finance can make the greatest difference, supporting organisations that create jobs, homes, and opportunities in underserved communities. Every loan is assessed for measurable social impact, ensuring your money helps deliver lasting value where it matters most.

Knowing where your money goes

You deserve to know where your money goes. Our impact reporting shows exactly how your deposits are used, funding housing, education, healthcare and
community projects, not harmful sectors. Transparency is at the heart of how we build trust and deliver impact.

Find out how your money can make a difference

Explore our Impact Toolkit to learn practical ways your organisation can support positive outcomes in the communities it serves.

Explore our Impact Toolkit

What our customers say about banking with Unity

Access – The Foundation for Social Investment

"We bank with Unity because as well as a way of getting a good return on our investment and knowing our money is safe."

Find out more

Canopy Housing

Leeds homeless charity unveils its biggest retrofit housing project to date following £250,000 funding

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Durham Miners Association

Trade Union and co-founder of Unity Trust Bank restores historic community hub for future generations

Find out more

Choose a bank that shares your values

For over 40 years, we’ve delivered strong returns while funding sectors that make a real difference, from housing and healthcare to education and community growth. Our current accounts, savings accounts and responsible lending enable organisations like yours to make a lasting difference in their local communities.

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