Versatile

Accounts and Deposits

In today’s fast-paced commercial world, businesses require flexible and timely banking solutions. Drawing on our renowned banking expertise, Coutts Commercial accounts and deposits are delivered by knowledgeable experts.

CURRENT and

Deposit ACCOUNTS

Coutts Business Current Account has been designed for efficient and informative financial management. With a range of deposit accounts to manage your reserves, we will help you stay in control of your business.

  • Business Current Account

    Innovative and accessible, empowering money management within your business.

    Our specialist sector experts understand that time is at a premium when running a business. The Business Current Account provides a range of services and solutions that can be tailored to suit your business needs and help make your money work for you.

    Fully accessible through Coutts Online and the Coutts Mobile app, the Coutts Business Current Account allows for instant money management, enabling you to view accounts, transfer funds and make payments. With secure messaging, commercial clients can interact promptly with their banker and conveniently attach files without the need for further encryption.

    The Coutts Business Account is accompanied by the Business Card and the Business Cash Card. Like the Current Account, the Coutts Business Card is designed to put you in control of your business and is accepted at retail outlets displaying the Visa logo worldwide, enabling you to transact quickly and conveniently online, via an ATM or over the phone or counter.

    Overdrafts are tailored to your business requirements at every stage of your journey and available on both an unsecured and a secured basis (secured overdrafts are linked to the base rate and secured with a charge over most assets).

    Available in a range of currencies, Business Current Account clients benefit from Coutts Currency Delivery Service, through which currency, travellers' cheques or sterling can be delivered direct to your business or home address. Access to Coutts extensive international payment and foreign exchange services ensures that your international trade finance needs are managed efficiently and competitively.

    With a selection of statement options available, the Business Current Account is flexible and convenient. To minimise the time you spend on money management, your Coutts commercial banker will be on hand when required to provide annual certificates of interest earned and tax deducted to aid your tax returns.

    With payment options ranging from standing orders, Direct Debits, CHAPS, SWIFT and bankers' drafts to cheque and paying-in books, the Business Current Account can be tailored to suit every business.

    READ THE COMMERCIAL CLIENT CONDITIONS OF USE

     

    The business current account has a £90 (or currency equivalent) quarterly fee.

    READ THE COMMERCIAL FEE TARIFF

     

    All credit is subject to approval and affordability checks. Terms and conditions apply. Over 18s only. Security may be required. Product fees may apply. Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

Active

Cash Management

A range of flexible and innovative accounts for your day-to-day banking needs.

  • Business Reserve

    An instant access deposit account, ideal for surplus funds.

    The Business Reserve Account is an instant access deposit account that can be linked to your Business Current Account to ensure that your money is available.

    Subject to counterparty risk in regards to any deposits. The Business Reserve Account is available in sterling, US dollars and euro. Interest is paid quarterly. The interest rate is variable and may therefore rise or fall.

    Your eligible deposits with Coutts & Co are protected up to a total of £75,000 (or £75,000 for each eligible account holder of a joint account) by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

    See Coutts Interest Rates

    Terms and conditions apply. Available to Coutts Commercial clients only. Product fees may apply.

  • Client Reserve

    An instant access account that allows you to hold client funds.

    If you are authorised to hold client monies, the Clients Reserve account provides you with instant access to your deposits. With no withdrawal limits, this account can help with short to medium term deposit needs.

    READ THE COMMERCIAL CLIENT CONDITIONS OF USE

    Subject to counterparty risk in regards to any deposits. Interest is paid quarterly - the interest rate is variable and may change.

    Your eligible deposits with Coutts & Co are protected up to a total of £75,000 (or £75,000 for each eligible account holder of a joint account) by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

    READ THE COMMERCIAL FEE TARIFF

     

    Terms and conditions apply. Available to Coutts Commercial clients only. Product fees may apply.

  • Composite Account

    Hold client funds in multiple currencies separately from your business funds.

    The Composite Account enables you to hold client funds in sterling or any other major currency separately without the need to operate multiple bank accounts. You can hold one or more main accounts with as many subsidiary client accounts as you need with the benefit of a simple set-up.

    READ THE COMMERCIAL CLIENT CONDITIONS OF USE

    Subject to counterparty risk in regards to any deposits. Interest is paid quarterly - the interest rate is variable and may change.

    Your eligible deposits with Coutts & Co are protected up to a total of £75,000 (or £75,000 for each eligible account holder of a joint account) by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

    READ THE COMMERCIAL FEE TARIFF

     

    Terms and conditions apply. Available to Coutts Commercial clients only. Product fees may apply.

Reserve

Cash Management

A range of accounts that earn a higher rate of interest on funds you do not need immediate access to.

  • Notice Accounts

    Higher rates of interest on funds to which instant access is not required.

    Designed for short to longer term liquidity needs, Coutts Notice Accounts pay higher rates of interest than our other commercial accounts on funds for which you do not require immediate access to. Should you wish to make a withdrawal, you will need to provide the required number of days’ notice. 

    READ THE COMMERCIAL CLIENT CONDITIONS OF USE

    Subject to counterparty risk in regards to any deposits. Interest is paid quarterly - the interest rate is variable and may change.

    Your eligible deposits with Coutts & Co are protected up to a total of £75,000 (or £75,000 for each eligible account holder of a joint account) by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

    READ THE COMMERCIAL FEE TARIFF

     

    Terms and conditions apply. Available to Coutts Commercial clients only. Product fees may apply.

Strategic

Cash Management

Many clients require deposit accounts that suit their business needs.

  • Call Deposits

    Ideal for short term liquidity needs.

    Coutts Call Deposits provide you with instant access to your funds. Interest, at a variable rate set by Coutts, is paid six-monthly or upon withdrawal of the deposit. 

    READ THE COMMERCIAL CLIENT CONDITIONS OF USE

    Subject to counterparty risk in regards to any deposits.

    Your eligible deposits with Coutts & Co are protected up to a total of £75,000 (or £75,000 for each eligible account holder of a joint account) by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

    READ THE COMMERCIAL FEE TARIFF

     

    Terms and conditions apply. Available to Coutts Commercial clients only. Product fees may apply.

  • Fixed-Term Deposits

    A fixed rate of interest for funds held to maturity.

    Offering the reassurance of a pre-agreed rate of interest, Coutts Fixed Term Deposits pay interest on liquidity that is not required instantly.

    When placing your funds on deposit, you can chose from a variety of maturity periods and interest rates. Fixed term deposits are available in sterling and other currencies, and interest is paid at maturity. Funds cannot be drawn before the end of the agreed maturity period, and only the initial deposit can be added to the account.

    READ THE COMMERCIAL CLIENT CONDITIONS OF USE

    Subject to counterparty risk in regards to any deposits. 

    Your eligible deposits with Coutts & Co are protected up to a total of £75,000 (or £75,000 for each eligible account holder of a joint account) by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

    READ THE COMMERCIAL FEE TARIFF

     

    Terms and conditions apply. Available to Coutts Commercial clients only. Product fees may apply.

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For more information about Coutts
products, please speak to your
adviser.

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Please get in touch online or call
020 7753 1365 to find out more
about our services.

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Important Information

FSCS logo

Your eligible cash deposits held with Coutts & Co are protected up to a total of £75,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme. Any deposits you hold above the limit are unlikely to be covered.

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