A savings option ideal for life’s regular payments, with competitive rates and notice periods to suit your priorities.
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Private Banking
Private Notice Account
Access without compromise
Why choose our Private Notice Account?
Annual tax bills, school fees, executive memberships — if you have regular outgoings to manage, our Private Notice Account could be a valuable part of your savings strategy. Choose a withdrawal notice period of 35, 60 or 95 days across sterling, euro and US dollar while still enjoying competitive interest rates.
The benefits
- Choice of withdrawal notice periods — 35, 60 or 95 days.
- Available in sterling, euro and US dollar.
- Ability to hold different Private Notice Accounts with different time periods.
- Interest paid monthly.
- Minimum balance of £1 with no upper limit.
You need to be 18 or over and have a Coutts Crown Dependencies Current Account. You need to commit to a single notice period of 35, 60 or 95 days. You will not be able to withdraw your money until the notice period is served, unless in exceptional circumstances such as bereavement. Only available in sterling.
Summary Box
Account name: Private Notice Account
What is the interest rate?
Can Coutts change the interest rate?
Yes, we may change the rate up or down. There could be a few reasons for this, such as changes to the Bank of England base rate, or to reflect changes in the costs we reasonably incur for providing your account.
If the rate goes down, we will give you notice of at least 49 days for 35 day, 74 for 60 day, or 109 days for 95 day.
What would the estimated balance be after 12 months based on a range of deposits?
- no further deposits or withdrawals are made
- any interest earned stays in the account
- there is no change to interest rates and tiers.
Definitions
How do I open and manage my account?
- This account is only available to you if you hold a Coutts Crown Dependencies Current Account. A minimum amount of £1 is required to open your account. There is no maximum balance.
- You can open your account by contacting your Private Banker.
- You can manage your account by contacting your Private Banker, or by using our digital services.
Can I withdraw money?
Yes, you may withdraw money by transfer to your Current Account.
This account requires you to give us notice before withdrawing money. The amount of notice you need to provide depends on the type of Notice Account you have chosen. You won't be able to access your cash until the required notice period is served.
Additional information
We do not deduct tax from the interest we pay to you. The tax treatment may be subject to change in the future and depends on your individual circumstances.
If you are unsure of your tax obligations, we strongly recommend you obtain independent tax advice.
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Protection from the Jersey Bank Depositors Compensation Scheme
The Royal Bank of Scotland International Limited trading as Coutts Crown Dependencies is a participant in the Jersey Bank Depositors Compensation Scheme. The Scheme offers protection for eligible deposits of up to £50,000. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details of the Scheme and banking groups covered are available on the Government of Jersey website www.gov.je.dcs, or on request.