Upstream Trust Bank, founded in 1998, is a people's bank that takes pride in its work.

Upstream Trust Bank provides clients both inside and outside the United Kingdom with customised commercial, wealth management, personal, and small business financial solutions, as well as cross-border banking services. Our UK headquarters are in Livingston, West Lothian, Scotland, and we are backed by a worldwide financial institution situated in Canada with a 30-year history. We make investments in our businesses, customers, workers, and communities.

We consistently rank in the top tier of all UK banks and have built a solid reputation on pleasant, great service and innovative solutions, providing a level of financial security that allows you to sleep well at night.

Ricky R. Warren

General Managing Director

Upstream Trust Bank's digital services

Connect your financial world with our first class digital banking

Lending

Every financial situation merits personal attention from a thoughtful banker who can help to structure the right lending solution for

Retirement

We'll work to help you create security and prosperity because we know the importance of your nest egg being there

Savings

Whether you're saving for a special purchase or thinking about the future, we have a variety of savings options.

Mortgage

Make yourself at home. We'll provide a variety of options for a new home purchase and refinancing.