Happy Christmas from all at UTB
Light up the path to help us all go further this Christmas.
Swipe the snowball below and click to see each lamp light up the path and enter the word revealed by the lamps in the form below.
All correct submissions will be entered into our prize draw for a chance to win a fabulous Fortnum & Mason hamper.
UTB will also donate £10 for each of the first 1,000 correct entries with the total shared between our chosen charities; Food Bank Aid, ThinkForward and Whitechapel Mission.
Christmas 2025
Happy Christmas from all at United Trust Bank
Please note: The images above are visual representations of the hampers available to be won, *Terms and Conditions apply.
1. Eligibility
1.1 Entry to United Trust Bank’s “Christmas Pathway” (the “Competition”) is open to all UTB customers aged 18 or over at the date of entry , including personal deposit customers, business or charity deposit customers, and lending brokers. UTB staff members are also eligible, excluding members of the UTB Marketing Department and any persons involved in the creation of this campaign.
1.2 Only one entry per person is permitted.
1.3 UTB reserves the right to verify the eligibility of all entrants; any winner or entry may be withheld until eligibility is verified.
2. Entry Period
2.1 The Competition will begin on Tuesday 16th December 2025 at 4:00pm and will close at 12:00am on Friday 19th December 2025 (the “Entry Period”).
2.2 UTB reserves the right to modify, terminate , suspend or extend the Competition at any time without prior notice, subject to regulatory requirements.
3. How to Enter
3.1 Entrants must access the Competition page on the UTB website and complete the interactive challenge, lighting all five lamps so the hidden word appears, then correctly answer the reveal question.
3.2 All correct entries will be entered into the Prize Draw, and one winner will be drawn at random from each of the three eligible categories: personal, business or charity deposit customers, lending brokers, and UTB staff members (excluding the UTB Marketing Team).
3.3 Entrants must provide their name and a valid email address. Entries without these details are invalid.
3.4 Only entries submitted during the Entry Period will be accepted . Any entries submitted by entrants to UTB using any method other than the methods specified in the designated Prize Draw, or any entries received by UTB from entrants after the Entry Period, will not be accepted. UTB accepts no responsibility relating to the prizes for an entrant’s failure to submit any entries correctly or at all. Third party entries will not be accepted.
4. Charitable Donation & Prize Draw
4.1 The first 1,000 valid correct entries will each trigger a £10 donation from UTB.
4.2 The total donation amount will be divided equally among Whitechapel Mission, Food Bank Aid, and ThinkForward with a maximum of £10,000 being donated for up to 1,000 correct entries.
4.3 All valid entrants will be entered into a prize draw to win one of three luxury Fortnum & Mason Christmas hampers, one each for a UTB deposits customer, lending broker and member of UTB staff, excluding members of the UTB Marketing Team.
4.4 The Prize is subject to these Terms and Conditions and non-transferable. No cash alternative will be offered. UTB may substitute the Prize with a suitable alternative if necessary.
4.5 Entrants may be asked to confirm their identity using a suitable method such as a passport or driving licence.
5. Winner Notification & Donation Timing
5.1 Hamper winners will be notified by email by Monday 22nd December 2025
5.2 All donations will be processed during January 2026.
6. Data Use & Privacy
6.1 Participant data (name and email) will be used only for administering the Prize Draw and donation count.
6.2 Data will be handled in accordance with UTB’s Privacy Notice at utbank.co.uk/privacy-statement.
7. Acceptance of Terms & Publicity
7.1 By entering, participants accept these Terms & Conditions.
7.2 The winner may be asked, but not required, to take part in non-paid publicity. UTB may wish to publish winners’ names on its website – www.utbank.co,uk – and on any other marketing material.
8. Force Majeure
8.1 Events may occur which render the Prize Draw itself or the awarding of the Prize impossible due to reasons beyond the control of UTB and, accordingly, UTB may in its absolute discretion vary or amend the Competition or these Terms and Conditions and entrants agree that no liability shall attach to UTB as a result thereof.
9. Jurisdiction
9.1 These Terms & Conditions are governed by the laws of England and Wales.
10. Promoter
United Trust Bank Limited is a company registered in England and Wales under company number 549690, whose registered office is at One Ropemaker Street, London EC2Y 9AW.