Secure Trust Bank review
Updated October 14, 2026 · SumCue Editorial Team · Facts checked October 14, 2026
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Our verdict
Secure Trust Bank’s Access Account (Issue 31) terms list a £1 minimum operating balance and a variable interest rate. The £1 balance is not the full opening condition: the terms also require £1 initial funding within 30 days and a UK current account in the applicant’s name as the nominated account. Withdrawals without notice are...
Key facts
- Best for
- UK savers comparing the stated operating balance and withdrawal conditions for the Access Account (Issue 31).
- Headline rate
- 3.75%↗
- Rate type
- Variable↗
- Minimum deposit
- £1↗
- Deposit protection
- FSCS up to GBP 85,000↗
- Access terms
- Unlimited withdrawals to a Nominated Account without notice; managed by Internet Banking, app or phone↗
- Account kind
- Easy access↗
- Legal entity
- Secure Trust Bank PLC↗
- Headquarters
- United Kingdom↗
- Founded
- 1952↗
- Support channels
- Phone, Help-centre↗
- Official website
- securetrustbank.com
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- The terms state a £1 minimum operating balance and identify the interest rate as variable.
Cons
- The £1 balance is not the whole opening requirement: £1 initial funding within 30 days and a UK current nominated account in the applicant’s name also apply.
- Withdrawals without notice go to the nominated account and are subject to payment cutoffs.
Who it suits
- UK applicants who can meet the nominated-account and initial-funding conditions and want to understand the withdrawal route.
Access Account (Issue 31)
The terms list a £1 minimum operating balance. Separately, opening conditions include £1 initial funding within 30 days and a UK current nominated account in the applicant’s name.
Withdrawals and interest
The terms describe withdrawals without notice to the nominated account, subject to payment cutoffs. The interest rate is variable.
How Secure Trust Bank compares
9.2 vs 8.0
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9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0- 9.2 vs 8.0
9.2 vs 9.0
9.2 vs 8.6
9.2 vs 8.3
9.2 vs 9.5
9.2 vs 9.4
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9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.9
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9.2 vs 8.5
9.2 vs 8.4- 9.2 vs 8.0
9.2 vs 9.0
Where Secure Trust Bank is available
- Available
- United Kingdom
- Licence in United Kingdom
- Prudential Regulation Authority (authorised); Financial Conduct Authority and Prudential Regulation Authority (regulated) (204550), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Does the £1 operating balance cover every opening condition?+
No. The terms also require £1 initial funding within 30 days and a UK current nominated account in the applicant’s name.
Where are withdrawals without notice paid?+
To the nominated account, subject to payment cutoffs.
What is the minimum deposit at Secure Trust Bank?+
The minimum deposit at Secure Trust Bank is £1. (Source, checked September 26, 2026)
Where is Secure Trust Bank based?+
Secure Trust Bank is based in United Kingdom. (Source, checked September 26, 2026)
When was Secure Trust Bank founded?+
Secure Trust Bank was founded in 1952. (Source, checked September 26, 2026)
How can I contact Secure Trust Bank support?+
Secure Trust Bank offers support through Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- securetrustbank.com checked September 26, 2026
Backs: Deposit protection, Founded, Headquarters, Legal entity, Licences
“Born in 1952 in the West Midlands, we've had plenty of time to hone our craft.”
- securetrustbank.com/savings/access-accounts/access-account checked September 26, 2026
Backs: Access terms, Headline rate, Minimum deposit, Rate type
“Unlimited withdrawals can be made to your Nominated Account without notice”
- securetrustbank.com/savings/all-of-our-accounts checked September 26, 2026
Backs: Account kind
“Access Account: Variable interest rate. Access without notice.”
- securetrustbank.com/savings/helpful-information/help checked September 26, 2026
Backs: Support channels
“Need something else? Call us on: 0345 111 7092; we have answers to our most frequently asked questions in our Support Centre”
Compiled from 4 source pages, checked October 14, 2026. We did not open an account.
Not confirmed yet: Term.
Related by the facts
Secure Trust Bank
UK savers comparing the stated operating balance and withdrawal conditions for the Access Account (Issue 31).