Liquidity services

As your wealth needs and circumstances change, or indeed in times of uncertainty, you will require your wealth to perform in different ways. We work closely with you to understand your investment objectives and liquidity needs. We will then establish an appropriate wealth strategy to achieve them. Our solutions have a number of features, such as full or partial capital protection, instant access to fixed term products and income versus capital gains treatment, and are structured with different time horizons. Within our Liquidity Solutions product suite Coutts offers:

  • Private Reserve: an instant access account offering tiered interest rates
  • Money Market Deposits: enabling you to fix an interest rate for a specified term.
  • Money Market Fund: a highly diversified money market fund which is Aaa rated by Moody’s Investment Services and offers daily access.
  • Treasury Bills: UK Government issued debt instruments available with a duration of one, three or six months.
  • Fixed Rate Deposits: enabling clients to fix the rate of return on their deposits for a defined period of time, normally one year, at a rate typically above the standard money market rate.
  • Customised Deposits: typically three months to 12 months in duration, these deposits are linked to the performance of underlying markets and asset classes providing capital protection if held to maturity
  • Capital Secure Plan: usually with a term of three to five years, these are investments linked to the performance of markets and asset classes and can be offered with full or partial capital protection. According to the advice we have received, returns in the UK are subject to Capital Gains Tax.
  • Customised Notes: similar to the Capital Secure Plan, but they can also have a shorter term and are subject to Income Tax.

Find out more

To benefit from our liquidity services, you need to be a Coutts client. If you are already a client, please speak with your private banker who will discuss your requirements with you.

If you wish to become a client, please either complete our online form or contact us on +44 (0) 20 7753 1963.