Regulatory disclosures and important information about our products and services across all our global locations.
Unity Oak's Trust is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 816237.
Registered in England and Wales No. 10264873. Registered Office: 30 St Mary Axe, London, EC3A 8BF, United Kingdom.
International offices: We also maintain regulated branches at One World Trade Center, New York, NY 10007 (USA); Taunusanlage 1, 60329 Frankfurt (Germany); 15 Avenue Montaigne, 75008 Paris (France); and Av. Paulista, 1234, São Paulo - SP 01310-100 (Brazil). Local regulatory disclosures are available upon request.
Eligible deposits with Unity Oak's Trust (UK) are protected by the Financial Services Compensation Scheme (FSCS). The FSCS protects deposits up to £85,000 per person, per banking group. For joint accounts, each account holder is protected up to £85,000.
For more information about the FSCS, visit www.fscs.org.uk.
International depositor protection: Deposits in our US, German, French, and Brazilian branches are protected by local deposit guarantee schemes. Please contact us for specific details.
Important: Most UK deposits are covered by the FSCS. For international accounts, coverage limits and conditions vary by jurisdiction. Please contact us if you would like more information about the protection provided.
Annual Equivalent Rate (AER) is accurate as of the last update date and is subject to change without notice. Fees may reduce earnings. Minimum balance requirements may apply to earn the stated AER.
For current rates, please visit our Rates page or contact a member service representative.
All loans subject to status and affordability checks. Terms and conditions apply. Annual Percentage Rate (APR) may vary based on creditworthiness and other factors. Rates shown are representative.
For a complete list of fees associated with our products and services, please refer to our Fee Schedule. We may modify fees with notice as required by law. Fees vary by country of account opening.
Your liability for unauthorised electronic fund transfers depends on how quickly you report the loss or theft of your card or credentials. Please refer to your account agreement for complete details.
Mobile Deposit is subject to eligibility and may not be available for all accounts. Funds deposited via mobile deposit may be subject to holds. Cut-off times apply. Please endorse cheques with "For Mobile Deposit Only" when using this service.
We offer overdraft protection options, including:
Our Privacy Policy describes how we collect, use, and protect your personal information in compliance with UK GDPR and local data protection laws. We do not sell your information to third parties.
Interest and other earnings may be subject to tax in your country of residence. UK customers should note that interest on savings accounts is paid gross but may be subject to tax depending on your personal circumstances. International customers should consult their tax adviser.
International wire transfers may be subject to fees and foreign exchange margins. Exchange rates are provided for reference and may vary. Recipient banks may charge receiving fees.
We are required by law to verify the identity of all account holders. We may request additional documentation to comply with anti-money laundering regulations in all jurisdictions where we operate.
We do not discriminate on the basis of race, colour, religion, national origin, sex, marital status, age, or because you receive public assistance. All credit decisions are made based on creditworthiness and ability to repay.
This website may contain general information about our products and services. Not all products and services are available in all geographic areas. Eligibility requirements apply. Products may vary by jurisdiction.
If you have questions about these disclosures, please contact us:
UK Phone: +44 (0)20 1234 5678
International: +1 212 555 8900 (USA), +49 69 1234 5678 (Germany)
Email: info@unityoakstrust.com
Mail: Attn: Compliance Department, 30 St Mary Axe, London, EC3A 8BF, United Kingdom
Our compliance team is here to answer your questions.
