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Access Account

Access your money without notice,
and earn interest too

Access Account

Access your money without notice, and earn interest too

Guide to Access Accounts

little girl cooking with dadIf you want access to your money, with unlimited withdrawals, but still want to be earning interest, our Access Accounts could be just what you need. 

Pros and cons

  • Access your money without notice
  • Deposit and earn interest from £1
  • Manage your account online or via the app
  • Interest rate could increase or decrease
  • Maximum deposit of £250,000

How access accounts work

You can pay into your account by electronic payment from your Nominated Account.

If we cannot electronically verify that funds have been sent from an account in your name, they will be returned.

Electronic payments

We have made paying in simple - just send a payment to the account number and sort code provided, and use your name for the payee. The reference can be anything you choose, such as your name or Secure Trust Bank.

  • BACS transfers will reach your Secure Trust Bank account within three working days from the transaction date
  • Faster Payments should be in your account within 24 hours
  • Your current account provider will be able to check the details you provide using the Confirmation of Payee service to ensure your funds are going to the correct account


We do not accept cheque deposits for this account.

To open an account you’ll need a Nominated Account. This must be a UK current account that we can electronically verify is in your name.

You’ll use this account to make payments as well as accept withdrawals and interest payments, so it’s important that your Nominated Account uses an identical account number and sort code for money in and money out.

Yes, you can make unlimited withdrawals to your Nominated Account. You can do this via Internet Banking or calling our Customer Service team.

Withdrawals can be made without providing notice. Instructions received by 2pm will be processed on the same business day. Instructions received after 2pm or on a non-business day will be processed on the next business day.

Enjoy the flexibility of all-hours access to your account when you register for Internet Banking. Statements are provided via Internet Banking, with the ability to download and print or the option to change to paper if required.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded on an annual basis.