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Commercial Banking

Business Reserve Account

An instant-access, multi-currency solution for optimising your liquidity while preserving capital growth.

Fund flexibility

Why choose our Business Reserve Account?

This versatile account enables you to grow global cash reserves and build a contingency fund without compromising day-to-day liquidity. It also features automated transfers that ensure surplus funds are always strategically positioned between your deposit and current accounts.

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

The benefits

  • Instant access to your funds. 
  • Tiered interest rates that reward higher balances.
  • Available in sterling, euros and US dollar.
  • Automated transfers to optimise liquidity.

Automated transfers

This useful feature automatically transfers surplus funds from your Coutts current account into your reserve account. Set it up for daily, weekly or monthly transfers — it's an effortless way to put unused cash to work, build deposits and accrue more interest.

Summary Box

Account name: Business Reserve Account

What is the interest rate?

Sterling AER p.a. (variable) Gross rate p.a. (variable)
£1 – £999,999 0.95% 0.95%
£1 million - £9,999,999 1.31% 1.30%
£10 million + 1.51% 1.50%

  • Interest is calculated daily and paid quarterly on a tiered basis which means you earn one interest rate on your entire account balance.
  • Rate effective from 9 October 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 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
Sterling Euro US dollar
100,000 £100,953.39 €100,300.34 $100,300.34
1 million £1,013,063.51 €1,003,003.38 $1,003,003.38

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 denominated in the same currency as the Coutts reserve account you wish to open. A minimum amount of £1/€1/$1 is required to open your account. There is no maximum balance.
  • After the account has been opened, all subsequent deposits and withdrawals must be for amounts of not less than £1/€1/$1, and must be effected by transfer of cleared funds from or to your Coutts business current account.
  • You can manage most aspects of your account digitally or by calling Coutts BusinessLine on 020 7770 0070 (Relay UK 18001 020 7770 0070). You may also contact your Commercial Banker for assistance.
  • 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 money by transfer to your linked Coutts business current account.

No notice is required.

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 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.

Business Reserve Account Terms
Business Reserve Account Summary Box
FSCS information sheet and exclusion list

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An instant-access, multi-currency solution for optimising your liquidity while preserving capital growth.

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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.