Secure Trust Bank

Secure Trust Bank: retail banking and specialist lending in the UK

Secure Trust Bank is a British retail bank that has been operating since 1952. Its business combines attracting savings from individuals with providing finance to businesses and real estate projects. The institution presents itself as an award-winning retail bank, with more than a million customers, and in 2022 it celebrated its 70th anniversary.

Savings products for individuals

The savings offering is structured into several types: access accounts, notice accounts, fixed rate bonds and fixed rate cash ISAs. The website showed interest rates of up to 3.75% AER on access accounts, up to 4.75% AER on fixed rate bonds, up to 4.70% AER on fixed rate cash ISAs and up to 4.21% AER on notice accounts and notice tracker accounts. The institution also publishes a history of interest rates and has a savings mobile app that allows access via biometrics, checking balances and current rates, and viewing recent transactions.

Finance for businesses and real estate developers

On the business side, Secure Trust Bank offers real estate finance for developers, investors and brokers, aimed at residential, commercial and mixed-use projects, as well as professional landlords. It also provides business asset refinancing to release working capital. The commercial finance division, based in Manchester, serves businesses seeking refinancing options to grow. In addition, the institution has specialist finance services including asset based lending, bridging finance and residential investment finance.

V12 Retail Finance: consumer finance

V12 is the group's retail finance division, based in Cardiff. It has an underwriting team, risk and fraud departments and a call centre. V12 arranges and administers retail finance loans for national brands and retail partners across the UK, helping customers buy products on instalments.

Structure and geographic presence

The group has seven offices in the UK: Solihull, Cardiff, Manchester, Birmingham, Leeds, London and Reading. The head office is in Solihull, where the savings business is managed. The real estate finance and commercial finance divisions operate from Manchester, while V12 Retail Finance operates from Cardiff. The institution also has a presence in London and Reading, among other cities.

Security, regulation and customer protection

Secure Trust Bank PLC is registered in England and Wales with number 541132. Its registered office is at Yorke House, Arleston Way, Solihull, B90 4LH. The institution is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, with registration number 204550. The website has sections dedicated to protecting customers from fraud and online security, and states that communications with the institution may be monitored or recorded to improve service quality and for protection and security.

Corporate group and associated brands

Under the umbrella of Secure Trust Bank Group, various companies and brands are integrated: STB Business Finance, V12 Retail Finance, V12 Vehicle Finance, Debt Managers (Services) Ltd and Moneyway. The institution also maintains an investor relations section and publishes corporate information, news and case studies.

Location and contact

Yorke House, Arleston Way, Solihull, B90 4LH