Products and services

As a client of Coutts, you will benefit from:

• a dedicated Private Banker
• a team who will support you in the absence of your Private Banker
• 24/7 telephone access to our dedicated general banking team and online banking
• Overdraft and loan facilities tailored to your needs
• a choice of liquidity solutions for sums over £25,000, including major non-sterling currencies
• a range of customised deposits for sums over £50,000.

We can offer a range of cards to suit your requirements, from the Coutts Account Card to the Coutts World Card, including cards in US Dollars and euros.

• Read more about our cards

We offer a range of borrowing facilities to meet your individual needs. Our products include:

• Partnership loans.
• Mortgage Reserve Account.
• Variable – House Mortgage Rate.
• Fixed-Rate Mortgage.
• Currency Mortgage.
• Buy-to-let Mortgage.
• Portfolio Reserve account

OVER 18s ONLY. SECURITY MAY BE REQUIRED

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

With a team of experts from across Coutts supporting your Private Banker, you can access a range of services including:

• Pension planning : offering advice on such areas as stakeholder pensions and Self-Invested Personal Pensions (SIPPs).
• Tax returns : our in-house tax planning team can help prepare your accounts and submit UK tax returns.
• Protection : advising you on income protection, critical illness cover and life assurance that helps protect you and your family.
• Insurance cover : providing you with access to insurance with specialist features and benefits.
• Estate planning : advising you on inheritance tax and trusts.

Our investment management service gives you access to:

• some of the world's leading investment managers
• a range of hedge funds that are often unavailable to the average investor
• a variety of customised and structured investments
• our Portfolio Reserve services, allowing you to release cash by leveraging against the assets in your Coutts investment portfolio
• private equity opportunities.

Whether you have overseas assets or a global investment approach, our foreign exchange service can provide:

• use of foreign exchange contracts to help you manage currency risk and enhance returns
• the ability to execute transactions in any major currency
• access to our foreign exchange dealers who can support you and offer advice on currency markets using the latest research
• the ability to place orders for execution at an agreed level.

If you take up UK residence but are domiciled in another country, we can provide:

• specialist banking, investment and protection arrangements in the UK and offshore
• professional advice on structuring your finances
• specialist advice through our International team.