United Trust Bank Deposit Soloutions
Bespoke solutions for customers with £1m or more, expertly managed by our team of savings specialists.
Our UTB Deposit Solutions team provide a relationship based service in order to deliver solutions that match your liquidity needs, we will work with you to understand your requirements and offer a range of competitively priced deposit solutions.
We have extensive experience in working with customers of all sizes and across a range of sectors.
Request a call back or book a meeting with our Deposit Solutions team to speak with an expert at a time that suits you using the “book a meeting” button.
Why United Trust Bank?
At UTB, your funds are safe up to the FCSC limit, providing the customer is eligible. We’ve developed a portfolio of deposit solutions designed to help your money grow—whether you’re saving for short-term goals or building long-term financial security. Our diverse range of accounts is tailored to your life stage, risk profile, and ambition, offering flexibility, performance, and peace of mind.
With a dedicated, named point of contact you’ll always speak to someone who understands your objectives.
About United Trust Bank
UTB operates within the UK and its primary activity is the provision of a range of secured funding facilities for individuals and businesses and fixed and notice deposit accounts for individuals, businesses and charities.
The Bank provides short to medium-term property loans supporting SME housebuilders in the development of residential and residential led mixed use housing schemes, bridging and structured finance facilities for individuals, companies and property investors and regulated first and second charge mortgage products.
UTB also provides UK SMEs with a variety of funding options for the acquisition and refinance of assets including wheeled and tracked vehicles and plant, haulage tractors and trailers, CNC machinery and high value and classic cars. All UTB’s lending is funded by the Bank’s capital base and deposits.
Who can we work with?
- Businesses
- Charities
- Credit Unions
- Schools
- Professional Services Firms
- Local Authorities
- Trusts
Our Team
We are a relationship led service with over 150 clients who hold in excess of £1m each, we speak to our clients on a regular basis to understand their liquidity needs and provide bespoke solutions to make the most of their money.
We have a wealth of deposits experience and frequently receive excellent feedback as well as client referrals to other individuals, charities and businesses – there’s no higher endorsement of our service than that.
Please do reach out to any of the team below if we can be of assistance.
Steph Charsley – Head of Deposit Solutions
Steph joined United Trust Bank in 2023 to develop the Deposit Solutions proposition into the team of 4 people it is today; Steph is responsible for driving part of the bank’s deposits diversification strategy with specialist deposit solutions. She has over 20 years banking of experience and has spent the last 15 years working in deposits managing client relationships and helping them to maximise interest income across a range of sectors from Charities, Local Authorities, Global Corporates and Wealth Managers. Following the launch of UTB’s new trust proposition Steph has also taken on the responsibility for launching this proposition to market and developing relationships with professional firms involved in the creation and management of trusts as well as managing the direct relationships with trustees.
Olivia Marsh – Relationship Support Manager
Olivia is the Relationship Support Manager within the team, providing dedicated support to existing Deposit Solutions customers as their direct point of contact for all deposit‑related queries. With over nine years of experience in banking, including seven years supervising a Client Services & Savings function, she places long‑term customer relationships at the heart of her work, focusing on a relationship‑led service that understands customer needs, supports further funding requirements, and helps them explore how the Bank can grow their cash through tailored savings solutions.
Adam Johnson – Business Development Director
Adam has worked in commercial and retail banking for nearly 20 years with banks including Lloyds Group, Metro Bank and most recently as Director of Partnerships at Arbuthnot Latham & Co.
Matthew Manning – Senior Business Development Manager
Matthew has joined UTB from Santander where he was Transactional Banking & Liquidity Director. Matthew has spent 18 years in Banking and since 2023 has specialised in supporting corporate and commercial clients with a full spectrum of deposits products and management.
Client Testimonials
Read all our client testimonials“We’ve found United Trust Bank to be a pleasure to work with, offering highly competitive interest rates. We especially value the personal service from our relationship manager, Niki, who is always easy to reach and responds promptly to any queries. We would gladly recommend United Trust Bank to other businesses looking to invest surplus funds.”
