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business Savings Accounts

Short, medium and long-term saving - made simple.

 

Make your money work for your business

Save in the best way for your business

If your business is looking to make savings work harder, put money aside for future costs or start earning more interest, we can help.

 

Eligibility criteria: Our business savings accounts are available to Coutts Commercial clients who hold a Coutts Business Current Account.

fixed term deposit

Offering the reassurance of a pre-agreed rate of interest, fixed term deposits pay interest on savings that are not required instantly.

  • Flexible saving terms, fix your funds for any period between 1 month to 5 years.
  • Offers the certainty of a fixed rate of interest for the entire term of your deposit.
  • No maximum balances, available in GBP, EUR, USD and many other currencies.

indicative Interest rate

AER/Gross p.a. (fixed)

12 months GBP

3.66% on balances up to £2,999,999

4.01% on balances £3m - £9,999,999

4.03% on balances £10m+

 

Up to 12 months minimum deposit: £25,000. Over 12 months minimum deposit: £1m.

Early closure is not permitted during the term of the deposit. 

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NOTICE ACCOUNTs

A Business Notice Account is available with notice terms, which may pay a higher rate on funds where instant access is not required.

  • Choose between our 30 or 90 day Notice account. This allows you to fix your funds to suit your business' needs. Notice to withdraw can be given online.
  • Offers banded interest rates which increase based on the balance of your savings.
  • Interest paid quarterly.

INTEREST RATES

AER/Gross p.a. (variable)

2.47%/2.45% on balances up to £2,999,999

2.47%/2.45% on balances £3m+

2.97%/2.94%% on balances up to £2,999,999

2.97%/2.47% on balances £3m+

Rates effective from 7 April 2025.

 

You won't be able to access your funds until the required notice period is served.

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BUSINESS RESERVE ACCOUNT

A multi-currency instant access savings account that puts your business' surplus funds to work.

  • An account for your business' everyday needs, earn quarterly interest whilst retaining instant access to savings.
  • Offers banded interest rates which increase based on the balance of savings. Available in GBP, EUR and USD. Interest rates vary depending on the currency of account.
  • Our sweeps feature is available to use for a regular and automated transfer of funds between your business' Reserve and Current accounts.

INTEREST RATES

AER/Gross p.a. (variable)

1.11%/1.10% on balances between £1 and £999,999

1.51%/1.50% on balances between £1m and £9,999,999

1.71%/1.70% on balances £10m+

0.40%/0.40% on balances between €1 and €249,999

0.40%/0.40% on balances €250,000+

0.55%/0.55% on balances up to $2,999,999

0.55%/0.55% on balances $3m+

Rates effective from 7 April 2025.

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clients reserve account

An instant access account for holding client funds.

  • An account designed specifically to help you manage third-party monies.
  • Offers banded interest rates which increase based on the balance of your deposit.
  • Can be set up for either designated or general money purposes.
  • Interest is paid quarterly.

Interest rates

AER/Gross p.a. (variable)

1.10%/1.10% on balances between £1 and £999,999

1.51%/1.50% on balances between £1m and £9,999,999

1.71%/1.70% on balances £10m+

 

Rates effective from 14 April 2025.

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Your eligible cash deposits held with Coutts & Co are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered. Investment business undertaken with Coutts & Co in the UK may be covered by the FSCS, the cover depending on the nature of the claim being made. Eligible claims for most types of investment business are covered up to a maximum of £85,000 per person. FSCS cover is not available for loss of money resulting from performance of the investment.