Where deposits could help
A bonus, an asset sale or an accumulation of cash over time may mean you have a large lumpsum to hand today. However, you’re conscious you’ll need to pay a tax bill, school fees or make a large purchase later in the year. By placing your money in a deposit account your money could keep earning interest at a competitive rate, while giving you the freedom to withdraw it when you need to spend it.
Fighting inflation while you wait
Inflation is a constant risk for high-net-worth accounts. Taking a very simple example, £1 million sitting in a non-interest account would have lost £40,000 in purchasing power in the 12 months to May 2025 due to inflation alone (CPI at 4%, source: Office for National Statistics).
Working your wealth for the medium term
By using our deposit accounts, you could mitigate the damage of inflation. Private Notice Accounts allow you put money aside for extended periods, earning competitive interest, while still providing access through a defined notice period – 35, 60 or 95 days. This structure offers a balance between liquidity and disciplined saving with returns.
Discover our Private Notice Accounts
Private Notice Account Summary Box
Instant liquidity that earns interest
Coutts Private Reserve Accounts provide you with instant access to a deposit that is earning interest, ensuring your money is working while giving you complete liquidity should you need it.
Discover our Private Reserve Accounts
With our Fixed Term accounts, you can set money aside for a previously defined period and at a set, non-variable rate.
You can also maintain a set balance in both your Current Account and your Private Reserve Account by setting up an easy automatic transfer top up facility between them to ensure you’ll always have a set minimum to hand while any excess is earning interest.
How our deposit accounts could support your flexibility
- Plan around your known payment due dates with accounts saving until you need them
- Full digital access via the Coutts app and online banking, enabling seamless transfers and account management
- Easy bank transfer via open banking for large amounts, allowing you to bring everything under your Coutts umbrella
- Three different notice periods, tailored to liquidity needs and your timeframes
- Competitive, tiered pricing across all deposit levels, with enhanced rates available for balances exceeding £10 million
- Multi-currency flexibility on the Private Reserve account – available in GBP, EUR and USD
Your private banker is on hand to discuss how a deposit account could benefit you today.
Eligibility criteria: You'll need to be 18 or older and have a Coutts Current Account. You will not be able to withdraw your money until the term has passed.
