Savings FAQs

No, you can manage your account by telephone and post. Please contact Member Services on 01535 650 770 or at [email protected]

The Linked Account is the bank account you connect to your Ecology savings account(s). You will use this account to pay money into your Ecology savings account and any money you withdraw from Ecology will be paid into this account.

Your linked account will either be set up when you open an account or (for existing customers who opened their account before the 24th March 2026) when you register with the online service for the first time.

Your linked account can be changed online – only one online change is allowed every six months. (Setting up a linked account for the first time counts as one change). If you need to change your linked account more than once in a six month period, please use our change of details form which is available on our website here: Ecology savings brochures.

Once you have set up the linked account details in your Ecology online service, you will need to set up your Ecology account details in the bank account that you have chosen as your linked account. For this you will need to put in:

– your six digit Ecology sort code
– your eight digit Ecology account number
– your name as detailed on your Ecology account – this is referred to as the “Payee”
– If prompted please select “Personal account”.

Your Ecology account details will be saved in your bank account Payee list and you can make payments from your linked account to your Ecology account whenever you want to.

To pay money into your Ecology account you will need a linked bank account set up for your Ecology account.

Your linked account will either be set up when you open an account or (for existing customers) when you register with the online service for the first time.

You linked account can be changed online – only one online change is allowed every six months. (Setting up a linked account for the first time counts as one change). If you need to change your linked account more than once in a six month period, please use our change of details form which is available on our website here: Ecology savings brochures.

Once you have set up the linked account details in your Ecology online service, you will need to set up your Ecology account details in the bank account that you have chosen as your linked account. For this you will need to put in:

• your six digit Ecology sort code
• your eight digit Ecology account number
• your name as detailed on your Ecology account – this is referred to as the “Payee”
• If prompted please select “Personal account”.

Your Ecology account details will be saved in your bank account Payee list and you can make payments from your linked account to your Ecology account whenever you want to.

If you decide to set up a standing order from your linked account, you will use the same details as setting up a payee, but will also need to select the regularity and date that you want the money paid to Ecology.

To set up a new standing order from your linked account you will need to use the following details (which can be found on our online service or App, or can be confirmed by calling our Member Services team):

• your six digit Ecology sort code
• your eight digit Ecology account number
• your name as detailed on your Ecology account – this is referred to as the “Payee”
• If prompted please select “Personal account”. 

You will also need to select the regularity and date that you want the money paid to Ecology.

Yes, you can request a withdrawal by post. You can download a withdrawal form from our website or call Member Services and they will send one to you. Your funds will be paid into your linked account.

You can withdraw up to £25,000 from your Ecology savings account into your linked account at any time online or via the Ecology App. For amounts over £25,000 you must call Member Services on 01535 650 770 to authorise the transaction. Postal customers can use the withdrawal form.

Statements will be generated annually, and available online and via the app. If you operate your account via post, this will be posted to you. Please see your Product T&Cs for dates.

The last three annual statements for your account will be stored on your online account so you can view them online or in the app. If you need to, you can also download them or call Member services and ask them to send you a copy.

Our Member Services team is always here to support you with your enquiries, including any questions you may have about using our Online Services. The new systems are designed to make it easier for you to manage your account, but we understand that you may need help getting used to the system. You can call our Member Services team at our Silsden Head Office, on 01535 650 770.

Yes, you can apply for any of our accounts by post. Simply call Member Services and they will send you all the information you need to apply.

The Personal Savings Allowance is the total amount of interest you can earn each year across all of your savings accounts (except ISAs) without paying tax. It covers interest you earn from all of your accounts (except ISAs) with all banks and building societies – not just us. You may also get up to £1,000 of interest and not have to pay tax on it, depending on which Income Tax band you’re in.

If you suspect that you or somebody you know is being – or has been – subject to financial abuse, please refer to the UK Finance It’s your money guidance leaflet. This covers different types of financial abuse, what you can do to protect yourself and who to contact should you need urgent or longer-term help.

You can open an account for someone else using our Beneficiary account application form. You will also need to send us proof of identity for the child that you are opening the account for. Please see our “Proving your identity” leaflet. The application form and proof of identity must then be emailed or posted to Member Services. Once open the account can be viewed online or in the app.

Please see the individual product conditions, to ascertain if joint accounts are available. Joint account applications are by post. Please call Member Services 01535 650 770 for an application form.

Joint accounts opened after 24 March 2026 cannot use the online service or app at the moment. We will advise when this service becomes available.

An ISA (Individual Savings Account) is a savings account that you don’t pay tax on. The amount of money you can save or invest in an ISA in a single tax year is limited – also known as an ISA allowance. For the current tax year this allowance is £20,000.

We accept Cash ISA transfers into our Ecology Cash ISAs.

We don’t currently accept Stocks & Shares ISA, or Innovative Finance ISA.

If you’d like to transfer your ISA to us, you’ll need to fill in a transfer form. You will then need to email or post this to us.

Please contact your new ISA provider to arrange the transfer. If you have any questions, please contact the Savings Team on 01535 650 770 or [email protected].

An ISA stays tax free until:

• The deceased’s estate is completed
• The account is closed
• The third anniversary of the account holder’s death

If the deceased is your spouse or civil partner you can inherit an additional ISA allowance under the Additional Permitted Subscription (APS) allowance. The APS doesn’t count towards any current year ISA subscriptions that you have.

The APS has to be done within three years of the date of the death or 180 days after the administration of the estate is complete (if this is later). Please note, we currently cannot accept Additional Permitted Subscriptions into an Ecology ISA account.

Contact the Savings Team for the relevant form on 01535 650 770 or [email protected]