FAQs
You can use the Triodos App to log in to Internet Banking by following these steps:
- Go to the Triodos login page on your internet browser and select the tab called ‘Log in with mobile app’.
- Open the Triodos App on a second device and tap the QR button in the corner of the login page.
- Scan the QR code on your internet browser with the scanner.
- Use your passcode, fingerprint or face recognition when prompted in the app.
- Tap ‘confirm’ in the app and Internet Banking will automatically log in.
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Cash cannot be paid in to the Triodos Current Account. You can make payments into your Triodos Current Account by bank transfer or online. If you wish to pay a cheque into your account, you can send them via our freepost service to our office in Bristol - Freepost TRIODOS BANK. This is an untracked 2nd class service, however, if you are sending in cheques or original documents, you may wish to use our registered address (this will require a stamp):
Triodos Bank
Deanery Road
Bristol
BS1 5AS
Please include the sort code and account number of the account you wish the cheque to be credited to.
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Triodos Bank will not charge you for cash withdrawals from any ATM in the UK. However, some ATM providers may charge for using their machines to withdraw cash. There is a charge for withdrawing cash from abroad, please see our tariff for details.
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You can withdraw up to £300 per day in the UK per cardholder from ATMs accepting Visa. You can amend this to up to £500 per day in the Triodos app under More > Cards > Card daily limits > Cash withdrawals. You can amend this in Internet Banking under Self Service > Cards > Daily cash withdrawal limit.
You can use any cash machines displaying the Visa logo.
To make things easier you can find your nearest cash machine here.
Remember, you can also request cash back when shopping with participating retailers.
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You can send money from your Personal current account via Internet Banking or the Mobile App.
There are daily limits set depending on the type of payment and how you authorise the payment. The Faster Payment limit is cumulative and includes all amounts authorised on that day, even payments set for a future date. You are able to make multiple Faster Payments a day, but once the daily limit is reached, the payment needs to be made as a CHAPS payment, with a fee of £20.00.
See below for the daily authorisation limits for Faster Payments and CHAPS.
Faster Payments (Free of charge)
Digipass - Up to £20,000
Mobile App passcode - Up to £250
CHAPS (£20 fee)
Digipass - Up to £3m
Mobile App passcode - Up to £250
If you opened your account through the Mobile App and went through the ID and selfie check you can authorise payments up to £20,000 with your mobile passcode.
If you are making payments above £20,000 there are new daily payment limits. Please click here for more information.
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Setting up a Direct Debit should be done through the company who will be claiming the Direct Debit. You can cancel a Direct Debit in the Triodos Mobile Banking App under ‘More’, ‘Account settings’ then ‘Direct Debits’, or in Internet Banking under ‘Self Service’, ‘Account settings’ then ‘Direct Debits’. You will need to contact the company who claim the Direct Debit to cancel it with them as well.
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It's not yet possible to make contactless payments with Google Pay on your Android phone. We're working hard to make Google Pay available as soon as possible.
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The sort code for Triodos Bank is: 16-58-10
For international payments to a Triodos account the above sort code is not valid. Also mandatory information is needed to ensure a foreign payment reaches your account.
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Your card is set to Europe usage, with the option to switch Worldwide on or off in Internet Banking or the Triodos App under Card Settings.
Transactions are always subject to monitoring so your card may still be declined if we suspect your card is compromised. If a payment does get declined you can contact us 24/7 using the phone number on the back of your card. We would also advise travelling with more than one means of payment.
Use of your debit card outside the UK will incur a 2.5% foreign transaction fee and is subject to the exchange rate. You can use your card at any ATM or merchant where the Visa symbol is displayed and the transaction is made using either Chip&PIN or contactless.
Using Apple Pay abroad works the same way as the Triodos Debit Card and the same charges apply.
Transactions will be processed using the exchange rate set by Visa.
You can use our currency conversion calculator to see how much your transaction could cost.
See our tariff of charges for full details or the Fee Information Document for more information.
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£20,000 per day for Personal current account payments
£100,000 per day for Personal savings account customers.
£100,000 per transaction for Business customers.
The Faster Payment limit is cumulative and includes all amounts authorised on that day, even payments set for a future date. You are able to make multiple Faster Payments a day, but once the daily limit is reached, the payment needs to be made as a CHAPS payment, with a fee of £20.00.
If you are making payments above £20,000 there are new daily payment limits. Find out more.
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Triodos does not offer interest on balances held in your Current Account however we do have a range of savings options such as ISAs and online savings accounts.
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There are two ways to confirm it’s you – the quickest and easiest way is using the Triodos Mobile Banking App. If you don’t have the Triodos App, you can approve the payment in Internet Banking.
Once you have entered your card details to buy a product or service online, you will be asked to approve the payment.
- To authorise a payment:
- Log into the Triodos App or Internet Banking as usual.
- Details of the payment will be shown and you will be asked to verify the payment.
- A fraud warning will be displayed, to allow you to double check the payment is genuine.
- If you’re using Internet Banking, you may also need your digipass to approve the payment if you use one.
- You will be informed of the outcome – e.g. Payment Successful.
If you would prefer to cancel the online payment, this must be done instead of approving it. If you think it’s a fraudulent payment you should cancel it and contact us immediately on 0330 355 0355 (or if abroad on +44 (0)1179 739339).
If you make a payment using Apple Pay the authorisation will be completed via your device depending on how it is set up (FaceID, TouchID or passcode).
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You can send money from your Personal savings account via Internet Banking or the Mobile App.
The daily limit is £20,000.00 per day for Personal savings account customers.
If you opened your Online Saver/ Online Saver Plus via the Mobile App and went through the ID and selfie check you can authorise payments up to £20,000 with your mobile passcode.
If you need to make a single payment over £20,000 you can request a temporary limit change, for more details click here.
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If your available balance is less than the monthly fee it will still be taken, this may result in an unarranged overdraft. You won't be charged any additional fees. If you are experiencing financial difficulty please contact us or seek advice from an independent support service such as the citizens advice bureau or the money advice service. For more about unarranged overdrafts, please see the terms and conditions.
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Yes, Confirmation of Payee (CoP) is an account name-checking service that has been introduced to combat fraud and misdirected payments. Triodos is part of the UK industry-wide scheme for incoming and outbound payments, and a CoP check will be performed every time you send money from your Triodos account. We encourage you still continue to check payment details in line with our guidance, and regularly review our website for information on how to prevent fraud.
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You can amend a standing order through Internet Banking or through the Triodos Mobile Banking App.
From the main menu, click on your account, then the ‘Upcoming’ tab and select the standing order you wish to change. Select ‘amend’.
Input new amount, reference, date, and frequency and follow on-screen instructions to authorise.
To cancel a standing order through Internet Banking or through the Triodos Mobile Banking App.
From the main menu, click on your account, then the ‘Upcoming’ tab and select the standing order you wish to cancel. Select ‘delete’.
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No, you will need to wait for the funds to clear in order to access the money. Please see our 'What you need to know' document for more details.
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We don't offer arranged or unarranged overdraft facilities on our current account. For assistance with debt and managing your finances please visit our support page where we list a number of specialist organisations who will be able to help you.
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To set up standing orders in the Triodos App or Internet Banking, choose the account you wish the money to be taken from and select 'Payments'. Enter the recipients’ details and the amount. Click the calendar icon next to the payment date to set the frequency of the payment and save your changes. Authorise the payment to complete the set up.
Standing orders are processed on working days, so if the payment you have set up is due to go out on a weekend or UK bank holiday, it will be processed on the next working day.
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In the first instance please contact the merchant (the business whose name appears on the transaction) to cancel the transaction. If you have done this, and the payment is still not cancelled, then please call us on 0330 355 0355 and we will act on your behalf to cancel the transaction with the merchant and, if needed, raise a dispute.
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When you send money, we will check with the bank you’re sending money to that the name on the account matches the bank details you’ve provided, and let you know if they don’t.
One of the following results will appear on your screen:
The recipient account name is a match
Means the recipient account name you entered matches the payee’s account name.
The recipient name you gave us is a close match, but not exactly the same as the name held on the account
Means the recipient name you gave us is a close match to the name held on the account but not an exact match. We will show the name on the account you’re paying to help you decide whether it’s the right person. You should also double-check the details and request another CoP check before sending any payment.
The recipient name you gave us is not the same as the name held on the account
Means the recipient name you gave us is different to the name held on the account. You should double-check the details and request another CoP check, otherwise your money could be sent to the wrong account.
It is important to be aware that if you choose to go ahead anyway, and the account does not belong to the intended recipient, we may not be able to get your money back.
The recipient bank account does not exist
Means it may be that the recipient account sort code or account number has been entered incorrectly, or the account may be closed. You will need to check with the recipient if their details are correct before you are able to make a payment. If an account does not exist, the payment can't be made.
Unable to check the name, please try again later
Sometimes we won’t be able to check the name on the account you’re sending money to. That doesn’t mean that anything’s wrong. It could just be that the payee’s bank or building society isn’t using CoP yet.
You can continue with the payment – but always double-check yourself that the account name and details are correct.
We are unable to verify these details with the recipient bank at this time – please check the details before continuing
Sometimes we won’t be able to check the name on the account you’re sending money to. That doesn’t mean that anything’s wrong. It could just be that the payee’s bank or building society isn’t using CoP yet.
You can continue with the payment – but always double-check yourself that the account name and details are correct.
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This will depend on the type of payment.
For payments out of your account:
- Faster Payments will normally be received by the beneficiary within two hours of the payment being authorised but may take up to one business day.
- CHAPS payments authorised before 2.00pm on a business day will be received in the beneficiary account by the end of the day.
- The deadline for sending money outside the UK is 1.00pm, timings for these payments being received vary depending on where the funds are going to. Please allow up to 10 business days for them to arrive if they are being sent outside of Europe.
For payments into your account:
- Internal transfers will usually be received as soon as you submit the payment in internet banking.
- Faster Payments and Standing Orders usually arrive within one hour of being sent but can take up to one business day.
- CHAPS payments usually arrive within an hour of them being sent but can take until the end of the business day.
- International payment timelines into your account will vary depending on the sending bank/organisation.
- Cheques sent in by post are available for withdrawal on the third business day after they were added to your account. For example, if you send a cheque to us by post, and it is paid into your account on a Wednesday (Transaction date or T), the funds will be available for withdrawal on Monday (T + 3), although they are not cleared funds until the end of the following Thursday (T + 6).
Charges will apply for CHAPS and international payments. Please see our Personal Banking tariff for current and savings accounts for details.
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Standing orders can be found in the Triodos Mobile Banking App or Internet Banking, choose the account you wish to check and select the Upcoming tab on the account overview.
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At Triodos we aim for our fees and charges to transparent and fair - see our full tarfiff of charges. If you do feel that you would like to request a refund then please contact us.
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As standard your statements on the Triodos Current Account are online in new Internet Banking under the option 'Self Service' and then "Downloads". However, if you ever need a one-off paper statement, maybe to use as ID, then we can send you one. There is a charge for this which can be found in our tariff.
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If you lose an Apple Pay enabled device, you can remove your debit card from Apple Pay by placing your device in 'Lost Mode' via Find My iPhone or by 'Removing All Cards' on icloud.com.
Once you have disabled your card on your device/s following the steps above, please contact us.
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If your card is damaged and you request a replacement or is about to expire so you have a replacement on the way, you can continue to use Apple Pay. You will not need to set up Apple Pay again for your new card.
If your card is lost or stolen so has been blocked, Apple Pay will also be blocked. Apple Pay will remain blocked for the card that has been lost or stolen. Once your new card has been issued it will automatically be set up on Apple Pay for you to use. You will still need to activate your debit card once it arrives to be able to use it.
If you need more information on how to activate your debit card, please see below.
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You can make a faster payment or CHAPs payment through Internet Banking or the Triodos Mobile Banking App. You’ll need to authorise the payment with either your digipass, your username and password or your Triodos Mobile Banking App passcode.
To make a payment in the app or Internet Banking, follow these steps:
- Log in and select the account you’d like to make a payment from. Select the green ‘Payment’ button.
- Enter the payment details and then at the bottom you’ll see two options – Faster Payment and CHAPS Payment. Select the type of payment you’d like to make. You can also set the payment date and make it a regular payment or Standing Order by selecting the calendar icon.
Please bear in mind that Faster Payments will normally be received within two hours of the payment being authorised but may take up to one business day.
CHAPS payments authorised before 2pm on a business day will be received by the end of the day.
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You can remove the Triodos Debit Card from your Apple Wallet at any time. After that, you won't be able to pay with Apple Pay.
How to remove the Triodos Debit Card from the Apple Wallet:
- Go to Apple Wallet and tap the card you want to remove
- At the top right, tap the circle with three dots
- Tap card details
- Tap remove card
Please note that depending on your iOS version, the steps may differ slightly. Also, the transaction history of this debit card will no longer be visible in the Apple Wallet.
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When your debit card is added to Apple Pay, it creates a unique Device Account Number. The last 4 digits of this number are shown on receipts in place of your card number. This is part of Apple Pay's built-in security measures that help protect your data during payment transactions.
More information about why this feature is used - along with information about Apple Pay's other privacy and security features - is available here: Apple Pay security and privacy overview.
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The limit you can pay with Apple Pay is the same as your physical debit card.
You can find/change your card daily limit in the Triodos App under More > Cards > Card daily limits, or in Internet Banking under Self service > Cards > Card daily limits.
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Yes, some places may not accept Apple Pay or may require you to insert your physical card. You will also need your physical card to withdraw cash from an ATM.
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No - we do not offer overdrafts on our Personal Current Account.
For assistance with debt and managing your finances please visit our support page where we list a number of specialist organisations who will be able to help you.
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It is possible that your telephone number is incorrect so the code has not been sent correctly. You can change your contact details yourself in the Triodos Mobile Banking App and Internet Banking. If your details are correct, please contact us.
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There can be a number of reasons why your card can't be added. Please contact us for more information.
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You can't clear a cheque quicker than the standard clearing timings stated in our 'What you need to know' document for more details
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Download the latest version of the Triodos Mobile Banking App.
Here's how to set up Apple Pay:
- Open the Triodos Mobile Banking App on your iPhone
- Go to More
- Tap Cards
- Tap Add to Apple Wallet
Here's how to add the Triodos Debit Card to an Apple Watch:
- Open the Apple Wallet on your Apple Watch
- Tap More options
- Tap Add card
- Choose Payment Card
- Select the Triodos Debit Card
Your Triodos Debit Card must be active to be able to use Apple Pay. If you have not yet activated it, you can do this by using your PIN to withdraw cash from an ATM or when making a payment using your physical debit card and PIN.
To use Apple Pay you need to have contactless payments enabled for your card which can be found under More > Cards > Contactless payments.
If you remove your Triodos Debit Card from Apple Pay, you can re-add it at any time by following these same steps.
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Your Triodos Debit Card must be active to be able to use Apple Pay. If you have not yet activated it, you can do this by using your PIN to withdraw cash from an ATM or when making a payment using your physical debit card and PIN. To use Apple Pay you also need to have contactless payments enabled for your card which can be toggled on or off in the Triodos App or Internet Banking under More > Cards > Contactless Payments.
There are other reasons why a payment with Apple Pay may not work, such as a blocked debit card or insufficient funds in your account.
If you have tried all of these options and need further help, please contact us.
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- Hold your iPhone or Apple Watch near the payment terminal
- Check the amount
- Confirm with your Face ID, Touch ID, or passcode
- If it says 'Done', the payment was sent
When paying with Apple Pay online or in-app,
- Select Apple Pay from the payments options
- Check the amount & details before double clicking on the side button as explained on the screen
- Confirm with your Face ID, Touch ID, or passcode
- If it says 'Done', the payment was sent
You can turn on/off notifications for transactions in the Wallet App which will confirm if the transaction was successful.
Your Triodos Debit Card needs to be activated before you can make your first Apple Pay payment. You can do this by using your PIN to withdraw cash from an ATM or when making a payment using your physical debit card and PIN.
To use Apple Pay you need to have contactless payments enabled for your card which can be found under More > Cards > Contactless payments.
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You can set up and cancel payments through internet banking or the mobile app.
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