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Commercial Banking

Commercial Notice Account

Unlock enhanced returns while accessing your funds in 30 or 90 days to suit your strategy — with superior interest rates compared to instant access options.

Strategic flexibility

Why choose our Commercial Notice Account?

With short notice periods and tiered interest rates that rise the more you save, this account empowers you to grow your capital while maintaining strategic liquidity. It’s an ideal solution for managing scheduled outflows such as tax obligations, payroll or large investments — without compromising returns.

Our commercial deposit accounts are available to Coutts commercial clients who hold a Coutts Business Current Account.

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The benefits

  • Choice of 30 or 90-day notice periods.
  • Tiered interest rates that reward higher balances.
  • Conveniently give notice to withdraw online.
Summary Box

Account name: Commercial Notice Account

What is the interest rate?

AER p.a. (variable) Gross rate p.a. (variable)
£1 - £2,999,999 1.96% 1.95%
£3 million + 1.96% 1.95%

 

  • Rates effective from 28 August 2025.
  • Interest is calculated daily and paid quarterly on a tiered basis which means you earn one interest rate on your entire account balance.
  • 30 days’ notice is required for each withdrawal.

Can Coutts change the interest rate?

Yes, the applicable interest rate is variable.

  • If the rate goes down, we will give you at least 14 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 range of deposits?

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.
Deposit amount Balance after 12 months
30 day notice 60 day notice
£100,000 £101,964.31 £102,462.42
£1 million £1,019,643.06 £1,024,624.17

Definitions
Annual Equivalent Rate (AER) This is a notional rate used for interest bearing accounts, which illustrates the interest rate if paid and compounded each year. It helps you to compare the effective rates of credit interest on different accounts.
Gross rate The interest rate without the deduction of income tax (where applicable). Interest will be paid gross.
p.a. Per annum (per year)

How do I open and manage my account?

  • This account is only available to you if you hold a Coutts Business Current Account. A minimum amount 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 (Relay UK 18001 020 7770 0070) or contacting your Commercial Banker. 
  • Manage your account using the Coutts app or online banking, by calling Coutts BusinessLine or contacting your Commercial Banker. 

Can I withdraw money?

Yes, you may withdraw £1 or more by transfer to your Coutts Business Current Account.

This account requires you to give us notice before withdrawing funds. The amount of notice you need to provide depends on the type of notice account you have chosen. You won't be able to access your cash until the required notice period is served.

There is no limit to the number of withdrawals permitted.

Additional information

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, we strongly recommend you obtain 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 confirming you’ve been provided with and have acknowledged the important legal documents, including the FSCS information sheet.

Please take some time to review, print and/or save the important information.

Commercial Notice Account Terms
Commercial Notice Account Summary Box
FSCS information sheet and exclusion list

Ready to apply?

We’ll need to ask you a few questions first. This shouldn’t take long.  

Apply now
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Open a Commercial Notice Account

Unlock enhanced returns while accessing your funds in 30 or 90 days to suit your strategy — with superior interest rates compared to instant access options.

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Not a Coutts client?

Get in touch online or call Coutts 24 on 020 7957 2424 (Relay UK 18001 020 7957 2424) to see how we could support you. 

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.