My experience.
Easy and straightforward to communicate with and offer good rates.

Secure Trust Bank PLC is a UK-based retail bank that has been serving customers since 1952. The company specializes in providing a range of financial products, including personal savings accounts, fixed-rate bonds, and cash ISAs, designed to help individuals save for the future. With competitive interest rates, Secure Trust Bank caters to over a million customers, focusing on transparency and customer service. In addition to personal banking, Secure Trust Bank offers various business finance solutions. These include asset-based lending, property development, and property investment financing, aimed at helping businesses unlock working capital and achieve their financial goals. The bank is committed to providing tailored financial solutions that meet the diverse needs of both individual and business clients, ensuring a secure and reliable banking experience.
Secure Trust Bank PLC receives predominantly positive feedback, with many reviewers praising its easy-to-use app and competitive rates. Customers appreciate the efficient and friendly service, highlighting clear communication and prompt responses to inquiries.
The bank is often described as a reliable option for savings, with several users noting their satisfaction with the overall experience. However, some consumers express frustration over the practice of reducing interest rates for existing customers while offering better rates to new clients, which has led to dissatisfaction among a few. Additionally, there are mentions of difficulties in accessing telephone banking services. Overall, Secure Trust Bank is viewed positively, with a strong emphasis on its user-friendly features and good customer service.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.3 | 60 | 100% | -0.5 | ● Low |
Monthly average rating from reviews written by people · latest review Sep 2025.
| Month | Average | Reviews |
|---|---|---|
| Jun 25 | 4.7 | 11 |
| Jul 25 | 4.3 | 8 |
| Aug 25 | 4.3 | 30 |
| Sep 25 | 4.2 | 11 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“Easy and straightforward to communicate with and offer good rates”
“Have recently set up a JOINT Access Account with Secure Trust Bank”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Website & app | Service | Trend | Reviews |
|---|---|---|---|---|---|---|
| 4.3 out of 5 (good) | 100 out of 100 | 4.3 out of 5 (good) | 4.8 out of 5 (good) | — | 60 | |
| 4.2 out of 5 (good) | 100 out of 100 | 3.0 out of 5 (fair) | 3.3 out of 5 (fair) | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.6 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | 4.9 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.0 out of 5 (good) | 4.7 out of 5 (good) | — | 1,060 |
Bottom line: Secure Trust Bank PLC is #4 of 5 on overall rating in this group. On website & app, JustCover Travel Insurance scores higher (4.7 vs 4.3).
60 reviews of Secure Trust Bank PLC. Filter by what matters to you.
Over a year ago
Easy and straightforward to communicate with and offer good rates.
Over a year ago
So far very efficient and prompt response to enquiries
Over a year ago
Helpful Efficient and clear communication
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
Easy and straightforward to communicate with and offer good rates.
Easy app and good service
So far very efficient and prompt response to enquiries
Helpful Efficient and clear communication
Great rates and easy to use app
A fast and efficient service with a friendly service department.
Invested £150k with Secure Trust. As with most providers, they reduce interest rates for existing customers, and offer enhanced rates for new customers. I am used to this. Normally easy to switch to the new (better) rates without a problem if you are on the ball. Tried to switch to get the better rate, only to be presented with a series of hoops which proved insurmountable. All you get when messaging are nondescript replies from `The Savings Team' - no names, no continuity. Solution: SWITCH to another provider with a little more integrity. I have found several so Secure Trust have lost £150k. BEWARE!
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 change your plan (close exisintg one and open a new one). Shame, as it drove me away. I don't mind a reduction in interest rates, but at least give existing customers the same rate as new ones.
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 representative was able to talk me through the process to completion. Never had a negative experience with them.
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 they acknowledged that they were at fault. He has since withdrawn all his funds.
Communication with ease of switching accounts.
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 account in order. I need much more details and regular up to date information. At the moment I am relying on a third party for help.
Really good to bank with. Encourage you to save. Would definitely recommend
Never had any problems very easy and safe to deal with.
Competitive saving rates. Easy to navigate web site. Email communications well on time to make informed decisions for reinvestment or withdrawal of funds. Excellent service.
Excellent reliable service
Good interest rates and online service with the savings accounts. I also bought some shares in them which have gone up! Jackpot!
Responsive and responsible
Secure Trust Bank PLC is a UK-based retail bank that has been serving customers since 1952. The company specializes in providing a range of financial products, including personal savings accounts, fixed-rate bonds, and cash ISAs, designed to help individuals save for the future. With competitive interest rates, Secure Trust Bank caters to over a million customers, focusing on transparency and customer service. In addition to personal banking, Secure Trust Bank offers various business finance solutions. These include asset-based lending, property development, and property investment financing, aimed at helping businesses unlock working capital and achieve their financial goals. The bank is committed to providing tailored financial solutions that meet the diverse needs of both individual and business clients, ensuring a secure and reliable banking experience.
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