Meeting the financial needs of family business owners and their families

Banking and credit services

Our extensive range of banking and credit services incorporates current account banking; a range of deposit facilities; a choice of debit, credit and charge cards; and borrowing, including mortgages. For maximum convenience, you will have 24 hour telephone access to your account, and the option of Coutts Online Banking.

Wealth protection

Our in-house specialists can provide you with expert advice on pensions, tax and estate planning – including wills and the use of trusts. Whatever your needs –  income from your investments, sophisticated offshore insurance bonds, or simple but essential life cover – our expert support is yours for the asking

Tax

To make life easier for you, we can prepare your tax return and arrange for tax payments to be made from your Coutts account. Working closely with your private banker, your Coutts tax adviser can also provide guidance on ways to reduce or defer income tax, capital gains tax and inheritance tax.

Pensions

Our Pensions Advisory Team can assist you in reviewing your pension arrangements and planning for your retirement. We can also advise you on the best way to draw your pension benefits, according to your situation.

Investment management services

Whatever your investment goals, our expert in-house team is at your service. If you choose to delegate management of your portfolio to us, you can trust us to make informed decisions: a wide range of managers all over the world are researched and rigorously monitored, giving our clients access to what we believe are the best performing investment teams for each asset class. If you prefer to retain a greater involvement in the management of your portfolio, the Coutts Advisory Service may be the answer – providing a dedicated portfolio adviser, who will closely work with you to help you achieve your objectives.

Commercial Banking for family businesses

General banking

Naturally, our service covers all the day-to-day banking requirements of your business, encompassing a range of cash management products, including  instant access accounts and fixed term deposits; flexible borrowing facilities, for both your short and longer term needs.

Payment and trade services

These include UK and international payments, via CHAPS, BACS and SWIFT; the Coutts Business Card for your employees’ business expenditure; and the trade guarantees and indemnities you need to facilitate your UK business transactions.

Electronic banking

To enable you to manage your business finances with maximum convenience, we 12 Coutts Services for Family Business Owners have developed a complementary suite of electronic products and services. These include CrownLine, which enables you to make individual payments and transfers, as well as viewing transactions and balances; CrownPay, an electronic transfer service for your regular outgoings, such as salaries; and CrownCollect, which allows you to make regular claims by direct debit on designated payers.

International trade finance

We offer a broad range of services to help you manage your international transactions, and to hedge your foreign exchange exposure. These include: non-sterling  current and deposit accounts; non-sterling loans and overdrafts; bank bonds and guarantees; and a number of currency option products designed to enable you to protect yourself against exchange rate movements.

Borrowing

We can structure overdrafts and term loans to meet both your short-term needs and longer term investment requirements. In certain circumstances loans can be arranged to finance the buy-back of shares.

Interest rate management

We offer a range of instruments, including fixed-rate agreements and hedging instruments, to manage your exposure to potential interest rate volatility.