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Terms and Conditions

Our General Terms and Conditions and Standard Service Tariff form part of the agreement between you and Unity Trust Bank.

Please read these documents carefully and keep them for future reference.

General Terms and Conditions

Standard Service Tariff



Which fees now include VAT?

Most financial transactions are exempt from VAT however, the fees and charges that incur VAT are:

  • Audit Letter
  • Certificate of Balance
  • Banker’s reference/status enquire


Where can I find more information about VAT?

For more information about VAT please visit the HMRC website


When will I receive retrospective VAT invoices?

All Audit letters, certificates of balance and banker’s reference/status enquiries since 1 October 2021 will require revised VAT invoices. If you have received one of these items, the revised invoice(s) will be issued to you in January 2022.


Why has Unity become VAT registered?

Most financial transactions are VAT exempt, however, due to our continued growth and the broadening of Unity’s service offering, we now meet the threshold for VAT registration. We became VAT registered on 1 October 2021.


What is Unity’s VAT number?

Unity’s VAT number is 396 0101 10.

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 Impact Report 2020. 

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