Savings Accounts

Short and medium-term saving - made simple.


Make your wealth work

Save your way

If you’d like to make your savings work harder, put money aside for something or earn a bit more interest, we could help. Our savings accounts are designed around your specific needs.


If your fixed savings is due to expire, or you’re looking for your next savings solution, let your Private Banker know.


Eligibility criteria: You need to be 18 years or over, and have a Coutts Current Account/Coutts Foreign Currency Current Account to have access to our savings accounts.

fixed term deposit

Offering the reassurance of a pre-agreed rate of interest, fixed term deposits pay interest on savings that are not required instantly.

  • Flexible saving terms, fix your funds for any period between 1 month to 5 years.
  • Offers the certainty of a fixed rate of interest for the entire term of your deposit.
  • No maximum balances, available in GBP, EUR, USD and many other currencies.

indicative Interest rate

AER/Gross p.a.(fixed)

12 months GBP

4.44% on balances up to £2,999,999

4.89% on balances £3m+


Up to 12 months minimum deposit: £25,000. Over 12 months minimum deposit: £1m.

Early closure is not permitted during the term of the deposit. 


A savings account available with notice terms, which may pay a higher interest rate on funds where instant access is not required.

  • Choose between our 35, 60 or 95 day Notice Account. This allows you to fix your funds to suit your needs, choosing one of the three notice periods to withdraw your money. Notice to withdraw can be given online.
  • Offers banded interest rates which increase based on the balance of your savings.
  • Interest paid monthly.


AER/Gross p.a. (variable)

4.23%/4.15% on balances up to £2,999,999

4.44%/4.35% on balances £3m+

4.44%/4.35% on balances up to £2,999,999

4.65%/4.55% on balances £3m+

4.65%/4.55% on balances up to £2,999,999

4.85%/4.75% on balances £3m+

You won't be able to access your cash until the required notice period is served.

private reserve account

An instant access savings account that puts your surplus funds to work.

  • An account for your everyday needs, earn quarterly interest whilst retaining instant access to your savings.
  • Offers banded interest rates which increase based on the balance of your savings. Available in GBP, EUR and USD. Interest rates vary depending on the currency of your account.
  • Our sweeps feature is available to use for a regular and automated transfer of funds between your Reserve and Current accounts.

Interest rates

AER/Gross p.a. (variable)


1.56%/1.55% on balances up to £99,999

2.47%/2.45% on balances between £100,000 and £249,999

3.70%/3.65% on balances between £250,000 and £999,999

3.96%/3.90% on balances between £1m and £2,999,999

4.22%/4.15% on balances £3m+

cash isa

A tax-free way to manage your savings.

  • Earn tax free on savings up to £20,000 for the 2024/25 tax year.
  • Instant access to your funds.
  • Our flexible ISAs mean you can withdraw and deposit your savings without affecting your annual ISA allowance providing the replacement deposit is made to the same ISA the withdrawal was made from.

Interest rates

AER/Tax free p.a. (variable)

5.09%/5.00% on balances up to £249,999

5.09%/5.00% on balances £250,000+

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.