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Rates and prices

Our rates

Discover latest pricing for our multi-asset funds as well as interest rates.

Multi Currency Account/Cash Management Account

Amount Currency AER p.a. (variable) Gross rate p.a. (variable)
£1+ GBP or currency equivalent 0.00% 0.00%
  • Interest paid/charged quarterly

Private Reserve Account

Sterling AER p.a. (variable) Gross rate p.a. (variable)
£1 - £74,999,999 0.85% 0.85%
£75 million + 3.66% 3.60%

  • Interest is calculated daily and paid quarterly.
  • Rate effective from 5 January 2026.

Notice Account

AER p.a. (variable) until 8 February 2026 Gross rate p.a. (variable) until 8 February 2026 AER p.a. (variable) from 9 February 2026 Gross rate p.a. (variable) from 9 February 2026
£1 + 3.25% 3.20% 2.99% 2.95%
€1 + 0.90% 0.90% 0.90% 0.90%
$1 + 3.51% 3.45% 3.51% 3.45%
  • Interest is calculated daily and paid monthly.
  • Rates effective from 10 November 2025.
  • You can request to withdraw funds by contacting your Private Banker.

Money Market Deposits

We are also able to place funds on Money Market Fixed Term Deposits. Please note these rates are indicative only. Further details may be obtained from your Private Banker.

£5,000 - £99,999 £100,000 - £999,999 £1 million +
AER/Gross p.a. (fixed) AER/Gross p.a. (fixed) AER/Gross p.a. (fixed)
3 months Contact your banker Contact your banker Contact your banker
6 months 3.59% 3.69% 3.84%
12 months 3.59% 3.69% 3.84%
2 years platinum 3.25% 3.25% 3.25%

Dealing and Custody Accounts

Amount Currency AER p.a. (variable) Gross rate p.a. (variable)
£1+ GBP or currency equivalent 0.00% 0.00%
  • Interest paid/charged quarterly

Discretionary and Advisory Portfolio Accounts

Currency Relevant Rate Index AER/Gross p.a.
GBP BOE Base Rate 3.75%
USD Federal Funds Lower Boundary Rate 3.50%
EUR ECB Deposit Facility Rate 2.00%
JPY BOJ Policy Balance Rate 0.50%
CHF SNB Policy Rate 0.25%
  • Interest paid/charged quarterly

Important notes

Interest is paid/charged on a tiered basis which means you earn/pay one interest rate on your entire account balance.

The Annual Equivalent Rate (‘AER’) is a notional rate used for interest bearing accounts, which illustrates the interest rate if paid and compounded each year.

It helps you to compare the effective rates of credit interest on different accounts. ‘Gross’ is the rate of interest without the deduction of Income Tax (where applicable). Interest will be paid gross. All rates are subject to variation. Changes to our savings rates are notified in accordance with the account specific conditions, which are available on request from your Private Banker.

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.