notice account

You may earn a higher rate of interest than on our instant access accounts on money set aside.


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

apply for a notice account

Do you need to put money aside for an upcoming expense – such as a tax bill, wage payout or property payment. A Notice Account could be ideal for your medium-term needs as it allows you to earn a higher rate of interest than our instant access savings accounts on funds you don’t need instant access to.

why choose a notice account?

  • 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.

How it works

Complete this form, contact your commercial banker or call Coutts Businessline to get started. You'll also need a Coutts Business Current Account.

Choose how much notice you'd like to serve when making a withdrawal.

Sit back and watch your business' money grow. You won't be able to access your cash until the required notice period is served.

Summary Box

Account name: Commercial Notice Account

What is the interest rate?

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 £100,000 and a £1m deposit?

This example assumes that:

  • No further deposits or withdrawals are made.
  • Any interest earned stays in the account.
  • There is no change to interest rates and tiers.

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, contacting your commercial banker or by calling Coutts Businessline.
  • You can manage your account by contacting your commercial banker, calling Coutts Businessline or via our digital services. 

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


This account is available in sterling only.



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.




Stands for Annual Equivalent Rate. It shows you what the rate would be if interest was paid and compounded each year.


Gross Rate

This means the interest rate you’re paid without the deduction of UK income tax.



Per annum (per year)

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.