Expertly constructed for discerning clients, your current account provides complete control of your finances, effortless access to your money and features that complement your lifestyle.
Eligibility criteria apply. Monthly Relationship Fees apply.
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Private Banking
Coutts Private Current Account
Uncomplicated cross-border payments
Available in 22 currencies for seamless cross-border financial management, and comes with a guaranteed exchange rate on app transactions of up to £100,000.
Safe and secure
Advanced anti-fraud technology, continuous monitoring and a dedicated fraud team mean you can transact with confidence wherever life takes you.
Automatic transfers
Link your card to multiple currency accounts and it draws from the appropriate one when you travel. Also, pay no charges for using your card abroad, even if using a sterling account.
Your key to all Coutts has to offer
Your Private Current Account is the cornerstone of your relationship with us. It supports the smooth management of your daily finances and everyday spending, but also unlocks access to our wider wealth expertise. It is your gateway to our premium wealth planning services.
Exceptional by design
Effortless global banking
Your Private Current Account is designed to complement an international lifestyle. Accounts are available in 22 currencies and you can link the accompanying debit card to most of them. Then, your card intelligently draws from the appropriate account when you travel — so your spending aligns with your location.
You can also make international payments securely via global methods SWIFT and SEPA, with a guaranteed exchange rate on transactions through our app of up to £100,000.
Faster payments up to £1 million
Make large payments in real time on the Coutts app, online or through our 24/7 telephone service Coutts 24.
A rewarding relationship
Our Thank You From Coutts reward programme provides a carefully curated selection of exceptional rewards and enriching experiences from a range of exclusive brands, plus charitable donations. The programme also includes a rich array of discounts, offers and exclusive event invitations.
Unlimited number of accounts
Enjoy the freedom to open as many sole or joint Private Current Accounts with us that you need — in all major currencies. You can link all eligible accounts to your multi-currency debit card at no extra cost, making money management and spending even simpler worldwide.
Overdrafts
Flexible overdraft facilities — secured or unsecured — available up to £1 million and designed around your individual financial profile.
Credit is subject to status and approval. Security and fees may apply. Over 18s only.
An overdraft facility must not be used for acquiring or retaining property rights in land or in an existing or projected building.
When our Relationship Fee applies
* or sterling equivalent in alternative currencies.
Our Relationship Fee and International Relationship Fee are charged pro-rata and applied monthly in arrears.
When do we waive the Relationship Fee
We waive your Relationship Fee based on the combined value of your holdings with us as follows:
UK based clients
Internationally based clients, who live and are domiciled outside the UK
* or sterling equivalent in alternative currencies
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Whether you’re a private individual, a business owner or a company, we could help you manage your wealth, your way.
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Protection from the Financial Services Compensation Scheme
Your eligible cash deposits held with Coutts & Co are protected 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.