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Account opening FAQs

Got a question related to the account application process?  We’ve summarised some of the most frequently asked questions below:

What is a subsidiary/trading arm?

Some charitable groups/organisations set up a subsidiary (“business” or “trading arm”) which is a non-charitable trading company, as a way to generate income on a more substantial or permanent basis. Trading is normally defined as involving the provision of goods or services to customers or clients (for profit).

What is a manual bank giro credit (BCG)?

A bank giro credit is a standardised paper form that has the name and account details of a specific organisation or business printed on it (e.g. a bank giro credit is not a payment instrument in itself and cannot be used on its own to make a payment – it must be accompanied by cash and/or a cheque).

What information do I need to provide about my organisation?

The name, address (correspondence & registered addresses – if they’re different) and telephone number of your organisation. You’ll also need to provide a brief description of what your organisation does, and the number of employees/volunteers who work there. In addition, we’ll need you to provide any business registration numbers for your organisation.

What information do I need to provide about the key contact?

You’ll need to provide their name, address (personal address(es) they have lived at for the last 3 years) and contact details. We’ll also need their position in the organisation, DOB and Nationality. For all internet banking users you select – you’ll need to select their online banking permissions.

What information do I need to provide about our banking?

Confirm if your organisation has the powers to borrow.  If you have any foreign transactions expected in the next 12 months – you need to let us know here.  If you are a local authority – you will need to supply a balance sheet total and annual budget.

How do I set up cash withdrawals from my account?

Let us know if you’d like the facility to withdraw cash and how much you’ll be withdrawing each month.  We’ll also need your bank address for withdrawals.  This facility is not available on deposit accounts.

Where can I withdraw cash from?

You are able to withdraw cash from NatWest, RBS or Ulster Bank.

How do I pay cash into my account at a post office?

If you’re looking to pay in cash at a Post Office ®  you’ll need to provide the Post Office ® address and details of how much you expect to pay in and how often.

How do I pay cash into my account at a bank?

You can pay in up to £5,000 in cash per transaction and 149 cheques per paying in slip at any NatWest, RBS or Ulster Bank branch with your paying-in book.

How do I pay cheques into my account at a bank?

To pay in a cheque, please put it in an envelope and send it to our one-line FREEPOST address:

Freepost UNITY TRUST BANK 1984

Please note that UNITY TRUST BANK must be in capitals as shown, and the address must be on one line.

How do I transfer my existing account to Unity Trust Bank?

You’ll need to supply the account details – sortcode, account number, length of time with bank & transfer type (Direct Debits, Standing Orders, account balance & close or Direct Debits & Standing Orders only or balance & close).

What information do I need to provide about signatories?

You’ll need to provide their name, address (personal address(es) they have lived at for the last 3 years) and contact details.  We’ll also need their position in the organisation, DOB and Nationality.  For all internet banking users you select – you’ll need to select their online banking permissions.

What information do I need to provide about additional internet banking users?

You’ll need to provide their name, address (personal address(es) they have lived at for the last 3 years) and contact details.  We’ll also need their position in the organisation, DOB and Nationality.  For all internet banking users you select  you’ll need to select their online banking permissions.

What is a linked individual?

These include Directors, Trustees, Partners, Shareholders or Officers of the organisation, partnership or company.  It also includes all individuals owning or controlling (in their own name or via another person) 25% or more of the capital, profit or voting rights of the organisation, partnership, or company.

What information do I need to provide about linked individuals?

You’ll need to provide their name, address (personal address(es) they have lived at for the last 3 years) and contact details.  We’ll also need their position in the organisation, DOB and Nationality.  For all internet banking users you select  you’ll need to select their online banking permissions.

What information do I need to provide about our account permissions?

We’ll need you to confirm the number of signatories you’d like on the account and how many are needed to give permissions.

What information do I need to provide about our online banking authority levels?

You’ll need to confirm how many users are required to make online payments between Unity Trust Bank linked accounts, and how many are needed to make external bill payments or standing orders online (we’d recommend 2 or 3 in each case for online security).

What information do I need to include in the online banking payment limits?

Tell us the number of users who need to be involved in payments over an amount specified by you.  You can specify whether this applies to internal transfers, external payments or both.  You are also able to specify the named individuals who need to be involved in these transactions.

I haven’t finished completing the application form, can I complete it at a later date?

The form saves automatically as you complete it, but if you exit the form  a link will be sent to the email address you provided on the previous page  to allow you to pick up where you left off for a period up to 30 days. 

After 30 days of inactivity, your application will expire and you will need to start it again from the beginning.

I’ve completed the application form, what happens next?

Once you have completed the application form, you will be able to download a copy of your application, submission form and transfer mandate (as applicable).

The submission form (or application form for existing customers) will need to be printed and signed by all signatories in black ink and sent with any relevant supporting documentation (those required will be specified on the submission form) to Customers Account Team, Unity Trust Bank, Nine Brindleyplace, Birmingham B1 2HB.

Still need some help?

We’re here to help if you have any questions.  Email us at us@unity.co.uk or call us on 0345 140 1000.

Legal Notice

We may not accept all of the signatories included on your account application.  We carry out certain checks and procedures as we are required by law to check the identity of everyone linked to the account.  We may search electronically using the information you give on this form and in some instances, we may require further information or documentation.  If any individual on the account is a non-UK resident or a non-UK resident for tax purposes, we may require additional details.  For more information, visit unity.co.uk/identity

If you give false or inaccurate information and we identify fraud, we will pass the details on to fraud prevention agencies to stop fraud and money-laundering. For more information, visit unity.co.uk/security

Switching made simple

By switching your bank account to Unity you’ll be helping to create a better society.  You’ll also benefit from 24/7 access to your account using our Internet Banking service.

Our free account switcher service makes the process as easy as possible:

  • We’ll close your existing account for you.
  • We contact your existing bank for a list of your Direct Debit and Standing Order payments for the account you’re switching from.
  • You select the accounts you want us to move to us.

Switch to us

How we make a difference

We are a bank established to serve the needs of our customers and enrich society as a whole.  We work with organisations that aim to have a positive impact on society through economic, community or social change.

Our people support charities and communities through our ‘Unity in the Community’ (UitC) programme.  The Unity team is actively involved in volunteering and fundraising events  organised throughout the year.  Good causes are nominated by our people to receive donations.

To find out more about how we make a difference – view our Social Impact 2016


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