Banking built on trust and transparency

Nobil Trust Bank was founded on a simple premise: that people deserve a financial institution that is honestly on their side. No opaque charges, no sales-driven incentives, just prudent, member-first banking designed to last.

18Years
650KMembers
96%Satisfaction

Founded with a different kind of purpose

Nobil Trust Bank was established by a group of professionals who had grown frustrated with a financial services industry seemingly optimised for its own enrichment rather than its customers' wellbeing. They believed there was a better way, one rooted in credit union principles, where every member matters equally and long-term financial health takes precedence over short-term margin.

From the beginning, our model has been straightforward: charge fairly for services that deliver genuine value, invest member deposits prudently, and return the benefits of scale to the people who make the institution possible. We do not pay shareholder dividends or pursue growth for its own sake. Our success is measured by the financial wellbeing of our membership.

That founding belief has never changed. Today, serving hundreds of thousands of members across the country, the same principles govern every product decision, every fee we charge, and every hire we make. We are a different kind of bank because we were built by people who wanted a different kind of bank.

Our story team
650K+
Members served
18
Years established
24
Products and services offered
96%
Member satisfaction score

Our values are not a poster on a wall

They are the criteria by which we evaluate every decision we make, about products, pricing, hiring, and how we treat the people who trust us with their money.

Integrity

We say what we mean and do what we say. Our charges are disclosed plainly, our terms are written in plain English, and our advisers give advice they would give to a family member, not advice that generates the highest commission.

Member First

Every product we design starts with the question: does this make a meaningful positive difference to our members' financial lives? If the answer is anything other than a clear yes, we do not build it, regardless of the commercial opportunity it may represent.

Long-term Thinking

We are not managed to a quarterly earnings cycle. We make decisions that are in the best long-term interests of our members and the institution, even when those decisions are harder or less immediately profitable than the short-term alternative.

Simplicity

Financial products do not need to be complex. We design products that are simple to understand, straightforward to use, and easy to compare against alternatives. Complexity, in our view, is often a deliberate choice that benefits the provider rather than the customer.

Eighteen years of purposeful growth

2007
Founded
Nobil Trust Bank opens its doors with 12 employees and a single branch, offering current accounts and personal savings.
2011
First 1,000 members
Membership reaches 1,000. We launch our first mortgage product and open a second branch in response to growing demand from the local community.
2015
Business banking launch
We extend our offer to small businesses and sole traders, introducing business current accounts, commercial lending, and merchant payment solutions.
2020
Digital platform launch
We launch our full-service digital banking platform and mobile app, enabling members to open accounts, apply for products, and manage finances entirely online for the first time.
Today
650,000+ members strong
With 650,000 members, 24 products across personal and business banking, and a 96% satisfaction rating, we remain as committed to our founding principles as on day one.

The people who lead Nobil Trust Bank

Our leadership team brings together decades of experience across banking, technology, and consumer finance, united by a shared commitment to member-first banking.

CEO

Jonathan Whitfield

Chief Executive Officer

25 years in financial services. Former Director of Retail Banking at two major institutions before co-founding Nobil Trust Bank in 2007.

CFO

Sarah Okonkwo

Chief Financial Officer

Qualified actuary with 18 years in banking treasury and risk. Joined Nobil Trust Bank in 2013 and has overseen four consecutive years of record member growth.

COO

Marcus Reeves

Chief Operating Officer

Operations specialist with a background in financial services regulatory compliance. Responsible for our end-to-end member experience and service delivery standards.

CTO

Priya Mahajan

Chief Technology Officer

Former engineering lead at a leading fintech unicorn. Joined to build our digital banking platform from the ground up and leads our 80-person product and engineering team.

Independently recognised for what matters most

Best Credit Union 2024

Moneyfacts Consumer Awards

Recognised for outstanding value, transparency of charges, and consistently high levels of member service across all product categories.

Most Trusted Bank 2023

Which? Recommended Provider

Awarded following a survey of over 40,000 banking customers in which Nobil Trust Bank ranked first for trustworthiness, fairness, and transparency of communications.

Digital Innovation Award 2023

UK FinTech Awards

Honoured for our mobile banking platform, which was cited by judges as among the most intuitive and feature-complete digital banking experiences available to retail customers.

Community involvement

Giving back is part of how we operate

As a credit union, community investment is not a corporate social responsibility exercise, it is written into our foundational purpose. Each year, a meaningful proportion of our surplus is directed back into the communities our members live and work in.

Our community programmes include financial literacy workshops in schools and community centres, an emergency hardship fund for members facing unexpected financial difficulty, partnerships with local food banks and housing charities, and a graduate employment programme that places 25 graduates annually into roles across our teams.

We also operate a matched giving scheme for employee fundraising, and provide our members with access to free, impartial debt counselling through our partner charity network, because we believe financial health is a community responsibility, not just an individual one.

Join over 650,000 members who trust Nobil Trust Bank

Open an account in minutes and experience banking that genuinely puts you first, no jargon, no hidden charges.

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