A purpose-built, instant-access deposit solution designed for managing your regulated clients’ funds with confidence and control.
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Commercial Banking
Clients' Reserve Account
Well-managed client funds
Why choose our Clients' Reserve Account?
If you are authorised to hold your clients’ money, this account offers a refined solution for safeguarding and managing those deposits. With instant, unrestricted access and no withdrawal limits, it ensures your clients’ money is held with care and precision.
Our commercial deposit accounts are available to Coutts commercial clients who hold a Coutts Business Current Account.
The benefits
- Instant access to the funds
- Tiered interest rates that reward higher balances
- Interest bearing for enhanced capital growth
- Link to Coutts’ wider payment capabilities makes moving funds between accounts more straightforward
Summary Box
Account name: Clients' Reserve Account
What is the interest rate?
- Interest is paid quarterly
- Rate effective from 12 May 2025
Can Coutts change the interest rate?
Yes, the applicable interest rate is variable.
- If the rate goes down, we will give you at least 60 days' notice.
- If it goes up, we will give you notice either before the change happens or as soon as possible afterwards.
What would the estimated balance be after 12 months based on a £100,000 and £1m deposit?
The examples below assume:
- no further deposits or withdrawals are made
- any interest earned stays in the account
- there is no change to interest rates and tiers
Definitions
How do I open and manage my account?
- This account is only available to you if you hold a Coutts business current account and you are duly authorised to hold clients' money.
- A minimum of £1 is required to open your account. There is no maximum balance.
- You can open your account by completing this form, calling Coutts BusinessLine on 020 7770 0070 or contacting your Commercial Banker.
- You can manage your account by contacting your Commercial Banker, calling Coutts Businessline or using our digital services.
Can I withdraw money?
- Yes, you may withdraw £1 or more by transfer to your Coutts business current account.
Additional information
Currencies
This account is available in sterling only.
Tax
We do not deduct tax from the interest we pay to you. The tax treatment may be subject to change in the future and depends on your individual circumstances.
If you are unsure of your tax obligations you are strongly advised to source independent tax advice.
Important documents
Before you apply, please read the important legal documents below as well as our Privacy Notice, which explains how your information might be used.
If you carry on applying, it means you're happy with what's in these documents, including the FSCS information sheet. Please take some time to review, print and/or save the important information.
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Protection from the Financial Services Compensation Scheme
Your eligible cash deposits held with Coutts & Co are protected up to a specific limit 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 the limit per person. FSCS cover is not available for loss of money resulting from performance of the investment.