Secure Trust Bank PLC Reviews 3,340

TrustScore 4.5 out of 5

4.3

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the user-friendly website and app, highlighting the ease with which they can manage their savings. People appreciate the straightforward online processes for opening accounts and transferring funds. Consumers also value the clear communication and helpful notifications they receive regarding their transactions. Many reviewers mention the excellent customer service, noting the helpfulness and knowledge of the representatives. The prompt responses to inquiries and the ability to easily contact the company are also appreciated. While opinions on payment processes are mixed, with some mentioning delays in crediting funds, the overall sentiment towards the service and user experience remains highly positive.

Based on these reviews

Rated 4 out of 5 stars
Verified

Held a three year fixed rate savings product with Secure Trust Bank. Everything worked ok with just web access. Only issue was that after the three years I tried to access the account to give maturity... See more

Company replied

Rated 4 out of 5 stars
Verified

I enjoyed good interest rates and very good help on the phone when I needed it. Your it systems have not kept up with others and data for tax returns etc was not easily available or timely

Company replied

Rated 4 out of 5 stars

Agree with Irene 15 Dec 2024 comment "But why don't Secure Trust be honest and let investors know when they have introduced a "new issue" which pays a higher interest rate?" Otherwise very happy.

Rated 4 out of 5 stars
Verified

Their offer is good. I have ISA's and was worried when I did not see any "new" ISA offers in the months before my ISA's matured. But I was relieved to see that they offer reasonable interest rate ISA'... See more

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Rated 5 out of 5 stars
Verified

I have been banking with Secure Trust bank for several years now -having had a number of different saving accounts with them. I always am able to get through to someone on the phone and find their cus... See more

Company replied

Rated 3 out of 5 stars

Used secure trust for a few months.l interest rate dropped on the 18th September so removed funds to another provider however have not received an interest payment for the 18 days that the interest s... See more

Company replied

Rated 5 out of 5 stars
Verified

Online process was easy to set up. The interest rate was very competative. Good communication via email on options at maturity. Easy to use. Very happy with security of funds.

Company replied

Rated 5 out of 5 stars
Verified

Simple easy online application for ISA. Having searched for rates Secure bank was among the best on offer for the period we required. Transfer from existing provider was straight forward. Overall pl... See more

Company replied

Rated 5 out of 5 stars
Verified

Opening an account is straight forward, any response is quick and to the point. This time I was transferring a mature ISA and adding this years ISA allowance. I have used Secure Bank a few years ago f... See more

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Rated 5 out of 5 stars
Verified

“Everything is simple and seamless—from depositing to moving money within your own account. The team is also very responsive over email and always replies on time.”

Company replied

Rated 3 out of 5 stars

Great bank and app. Simple, easy to use. However, preiodically reduces interest rates (normal), while offering higher interest rates to new customers. You can't have this higher ate unless you ch... See more

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Rated 5 out of 5 stars
Verified

Used high st banks time ago now was time to use online bank like online food takeaways Not saying these guys are takeaways these professional people are staff helpers now I have time go on abroad ho... See more

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Rated 3 out of 5 stars
Verified

The App was very user friendly and it was easy to deposit or take money out of the account. The only reason I closed my account is the drop in interest I was receiving

Rated 3 out of 5 stars
Verified

My partner has not received good service. Trying to access his account via telephone banking has been frustrating and in the end interest has been lost. I submitted a complaint on his behalf and the... See more

Company replied

Rated 3 out of 5 stars
Verified

It feels safe and reliable to invest either Secure Trust. But as I do not have a mobile phone and I do not use/ have a computer and I am computer illiterate. I need more paperwork to keep my accoun... See more

Company replied

Rated 3 out of 5 stars
Verified

I was opening a higher yielding account . Secure trust will lower interest rates. But won’t highlight to you when they have an account with same terms / conditions available but with higher interest r... See more

Company replied

Rated 3 out of 5 stars
Verified

Recently opened a savings account. The only problem with this account, is it slow to credit deposited funds to account compared to lots of the banks. With others it's almost instantly. I'll stick with... See more

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Rated 5 out of 5 stars
Verified

I have had a wonderful expriebce saving! Easy access, easy to get your money. Great communication with team.

Company replied

Rated 5 out of 5 stars
Verified

At the maturity of a one-year bond, I sent a secure message requesting that the money be reinvested in a new savings account I had opened which was not one of the standard account maturity options. I... See more

Company replied

Rated 3 out of 5 stars
Verified

REceived the maturity proceeds as instructed on the same day. However I have numerous accounts in joint names with my wife. STB is the ONLY institution which require each and every instruction from B... See more

Company replied

Rated 5 out of 5 stars
Verified

I was pleased that you gave clear guidance about how to deal with my FRB when it was close to maturity. I found the process very easy to follow.

Company replied

Rated 5 out of 5 stars
Verified

Secure Trust has a very concise easy to use online system, I can normally achieve my aim on website. On the couple times I have needed assistance (when initially setting up) I was able get this from a... See more

Rated 5 out of 5 stars
Verified

Fairly easy to open account (my bank was ultra sensitive to potential fraud which slowed things down). Good interest to begin with, but has slipped so low that it is not worth the risk of saving with... See more

Company replied

Rated 5 out of 5 stars
Verified

I opened a savings account based on the reccomendation provided by moneysavingexpert.com , where at the time Secure Trust had the best interest rate available. I have now closed the account since an... See more

Rated 5 out of 5 stars
Verified

A trustworthy organisation. Easy to access online. A real UK based human being to talk to if you need clarity or advice. Good interest rates & a wide range of products

Company replied

Rated 5 out of 5 stars
Verified

I have been using them for years because I have experienced the best customer service for savings and they are always among the highest interest rates for my and my grandchildren's savings. Acce... See more

Company replied

Rated 5 out of 5 stars
Verified

It's always easy to contact Secure Trust and staff are very helpful. On this occasion I was transferring money to a new account with better interest I wasn't able to do it myself on line and the repr... See more

Company replied

Rated 5 out of 5 stars
Verified

Easy to renew maturing bond and give instructions. Kept informed. Can trust process.

Company replied

Rated 5 out of 5 stars

Opening a savings account with Secure Trust Bank was an absolute breeze! The process was quick, straightforward, and hassle-free. I was particularly impressed by how effortlessly and swiftly my funds... See more

Company replied

Rated 5 out of 5 stars
Verified

Good rate of interest.got 30 days to fund.i prefer as saving as I earn.other bonds maturing so I open 30 days b4 .if Good rate . I put in as I get the maturing bond and can earn and save in between.su... See more

Company replied

Rated 5 out of 5 stars

Having set up a few ISA’s over the years, this was one of the easiest processes online to open. Took me around 15mins. Great communication and notifications as soon as you process, make transactions.... See more

Company replied

Rated 5 out of 5 stars
Verified

Really easy website to use, and the app is great too. Opened a new Secure trust account with a better interest rate, and was able to transfer money from another secure trust account with ease. Brilli... See more

Company replied

Rated 4 out of 5 stars
Verified

Easy to use access to data and income to enter. However on occasions can not get entrance to cells to be updated, so have to re-enter several times to achieve what’s wanted.

Company replied

Rated 5 out of 5 stars
Verified

Very easy to use website when opening an account. Also it is easy to access documents relating to one's accounts. Good rates of interest for savers.

Company replied

Rated 5 out of 5 stars
Verified

Dealing with Secure Trust Bank went very smoothly and a prompt email of confirmation of receipt of the funds was very reassuring.

Company replied

Rated 5 out of 5 stars
Verified

Internet was easy. When I called it was answered quickly and by a person with an accent I could understand.

Company replied

Rated 4 out of 5 stars
Verified

Straightforward instructions for opening and closure of accounts Excellent savings rates Have been a very satisfied customer for some years

Company replied

Rated 4 out of 5 stars
Verified

Easy to contact and quick to respond. Just wasn't sure about sending things off to the free post address but it worked fine.

Company replied

Rated 5 out of 5 stars
Verified

Was impressed with the knowledge and helpfulness of the advisor. Great service, thank you.

Company replied

Rated 5 out of 5 stars
Verified

They were friendly, helpful, patient, quick and efficient. Everything one could have hoped for.

Company replied

Rated 5 out of 5 stars
Verified

Well organised and helpful in establishing the best accounts to open.

Company replied

Rated 5 out of 5 stars
Verified

All my questions were answered and are happy with the outcome

Company replied

Rated 3 out of 5 stars
Invited

Would have preferred to open a joint account but were prevented by your need for my wife and I to have separate E mail addresses. Whilst I welcome good security measures I think this requirement is ov... See more

Company replied

Rated 5 out of 5 stars
Verified

I came across STB through a recommendation on moneysavingexpert and have not looked back since. That having been said it's the interest rates they pay, which work out better than my cash ISA, even af... See more

Company replied

Rated 5 out of 5 stars

I've just opened a savings account with Secure Trust Bank, so I am making transfers of money into the bank. I'm impressed to see that STB sends an email to acknowledge receiving the money within minu... See more

Company replied

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Company details

  1. #27 of 50 best companies in Bank
  2. #82 of 116 best companies in Financial Institution

Written by the company

At Secure Trust Bank we provide simple, transparent savings accounts and business finance.


Contact info

4.3

Excellent

TrustScore 4.5 out of 5

3K reviews

5-star
4-star
3-star
2-star
1-star

Replied to 94% of negative reviews

Typically replies within 1 week


Rated 5 out of 5 stars
Verified

Clear and Easy Transactions.

I recently received notification that my Secure Trust fixed account was nearing the end of its term. I was offered a new rate that was unbeatable, so I made an internal transfer to a the new account. Could not have been easier and I was kept informed throughout the process.

10 October 2025
Rated 5 out of 5 stars
Verified

Excellent

Excellent - nice and easy to open the account- was recommended through a friend who uses the company. Keep up the good work.

11 October 2025
Rated 2 out of 5 stars

Why has STB started ditching their non-UK Citizen customers?

When I moved from the EU to the UK a couple of years ago, STB was amongst the first banks to welcome me as their customer. When I had to renew my fixed term ISA they asked me for additional documents proving my identity and address. I was a bit surprised as an existing customer, but quite happy to provide the information (it is in their T&C that they can ask for it anytime). I was, however, shocked when I read their list of acceptable ID's: only a UK passport or UK drivers license and some exotic variants (Fire Arms certificate, HM forces ID card and a Northern Ireland Electoral ID). No EU passport accepted. Why did they accept my EU passport the first time? A question still to be answered.
I filed a complaint about the sudden (in anticipation of recent political developments?) discrimination against Non-UK Citizens. The Secure Trust Bank complaints department conveniently rephrased the wording to "Customer unhappy with additional verification checks". Then in their verdict, no surprise, they claimed to be compliant with every imaginable regulation and code of conduct and declared my complaint inadmissible.
They left me no choice than to transfer my ISA to another UK bank.

30 September 2025
Unprompted review
Rated 5 out of 5 stars
Verified

Well organised and helpful in…

Well organised and helpful in establishing the best accounts to open.

26 September 2025
Secure Trust Bank PLC logo

Reply from Secure Trust Bank PLC

Hi,
We're happy to hear that our services helped you determine the best accounts to open. Thank you for your positive feedback and recognition!

Kind regards,
Sophie

Rated 5 out of 5 stars
Verified

Online process was easy to set up

Online process was easy to set up. The interest rate was very competative. Good communication via email on options at maturity. Easy to use. Very happy with security of funds.

4 October 2025
Secure Trust Bank PLC logo

Reply from Secure Trust Bank PLC

Hi,
We're happy the online process was easy and the interest rate competitive. It's great to hear you found our communication helpful and feel secure with us. Thank you for your positive feedback!

Kind regards,
Sophie

Rated 5 out of 5 stars
Verified

Helpful guidance

I was pleased that you gave clear guidance about how to deal with my FRB when it was close to maturity. I found the process very easy to follow.

4 October 2025
Secure Trust Bank PLC logo

Reply from Secure Trust Bank PLC

Hi,
We're happy to hear that the guidance we provided on dealing with your maturing bond was clear and the process was easy for you to follow. Thank you for your positive feedback!

Kind regards,
Sophie

Rated 5 out of 5 stars
Verified

I have had a wonderful expriebce…

I have had a wonderful expriebce saving!
Easy access, easy to get your money. Great communication with team.

3 October 2025
Secure Trust Bank PLC logo

Reply from Secure Trust Bank PLC

Hi,
We're happy to hear that you had a wonderful experience saving with us! We appreciate your feedback regarding our easy access and great communication.

Kind regards,
Sophie

Rated 5 out of 5 stars
Verified

Easy to renew maturing bond and give…

Easy to renew maturing bond and give instructions. Kept informed. Can trust process.

4 October 2025
Secure Trust Bank PLC logo

Reply from Secure Trust Bank PLC

Hello Rosemary,

We're happy to hear that renewing your maturing bond and giving instructions was easy. We appreciate you trusting our process! Thank you for your positive review.

Kind regards,

Louise

Rated 5 out of 5 stars
Verified

No problem’s

No problem’s easy to do and a good rate of interest.

3 October 2025
Secure Trust Bank PLC logo

Reply from Secure Trust Bank PLC

Hi,
We are happy to hear you have had no problems banking with us and are happy with the interest rates we offer!
Thank you for your positive feedback!

Kind regards,
Sophie

Rated 5 out of 5 stars
Verified

Seamless and responsive

“Everything is simple and seamless—from depositing to moving money within your own account. The team is also very responsive over email and always replies on time.”

30 September 2025
Secure Trust Bank PLC logo

Reply from Secure Trust Bank PLC

Hi,
We're happy to hear that you found depositing and moving money within your account simple and seamless. It's great to know our team is responsive and replies on time!
Thanks for your positive feedback.

Kind regards,
Sophie

Rated 1 out of 5 stars
Verified

I couldn’t access my internet banking &…

I couldn’t access my internet banking & was locked out. On phoning I was told that my membership ID, which I’ve been using for years, was wrong & given a new one. Of course, I thought this could be a scam. I asked for an explanation, they couldn’t give me any so I await the explanation I have requested after lodging a complaint……

2 October 2025
Secure Trust Bank PLC logo

Reply from Secure Trust Bank PLC

Hello Robin,

We appreciate you bringing this to our attention. We're sorry you have experienced issues accessing your internet banking and any concern this has caused. We're looking into the matter and will provide an explanation following your complaint.

Kind regards,

Louise

Rated 3 out of 5 stars

OVERALL GOOD

Used secure trust for a few months.l interest rate dropped on the 18th September so removed funds to another provider however have not received an interest payment for the 18 days that the interest sat for.i little disappointed here as really like the use of the app and transferring

2 October 2025
Unprompted review
Secure Trust Bank PLC logo

Reply from Secure Trust Bank PLC

Hello Anthony,

Thank you for your review. We are sorry to hear that you feel that the interest on the account has not been paid correctly. We have attempted to contact you today to discuss but unfortunately been unable to reach you.

if you can give us a call at your earliest convivence on 03451 117092 we will be able to check and clarify any interest payments on your account.

Kind regards,

Louise

Rated 5 out of 5 stars
Verified

Great no nonsense no hassle banking

Great no nonsense no hassle banking

2 October 2025
Secure Trust Bank PLC logo

Reply from Secure Trust Bank PLC

Hi,
We're happy to hear that you had a great banking experience with us.
Thank you for your positive feedback, we appreciate it!

Kind regards,
Sophie

Rated 5 out of 5 stars
Verified

Simple and easy access with clear…

Simple and easy access with clear processes

2 October 2025
Secure Trust Bank PLC logo

Reply from Secure Trust Bank PLC

Hi,
We're happy to hear that our processes were simple and easy to access for you.

Thank you for your positive feedback!

Kind regards,
Sophie

Rated 5 out of 5 stars
Verified

I have been banking with Secure Trust…

I have been banking with Secure Trust bank for several years now -having had a number of different saving accounts with them. I always am able to get through to someone on the phone and find their customer service second to none. They are always helpful, and thoughtful at suggesting products which offer a higher interest rate. I would def. recommend them to anyone considering opening a new account.

1 October 2025
Secure Trust Bank PLC logo

Reply from Secure Trust Bank PLC

Hi,
We appreciate you have been a loyal customer to us and are happy to hear that you've consistently experienced excellent customer service. We're glad our team has been helpful in finding suitable products for your needs.

Thank you for recommending us!

Kind regards,
Sophie

Rated 4 out of 5 stars
Verified

Happy Days!

Straightforward instructions for opening and closure of accounts
Excellent savings rates
Have been a very satisfied customer for some years

28 September 2025
Secure Trust Bank PLC logo

Reply from Secure Trust Bank PLC

Hi,
We appreciate your positive feedback and are so glad you've been satisfied with our savings rates and the ease of managing your accounts through out the years!

Kind regards,
Sophie

Rated 5 out of 5 stars
Verified

All my questions were answered and are…

All my questions were answered and are happy with the outcome

29 September 2025
Secure Trust Bank PLC logo

Reply from Secure Trust Bank PLC

Hi,
We are happy to hear that we answered all your questions and that you are pleased with the result.

Thank you for your feedback!

Kind regards,
Sophie

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