private notice account

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


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

apply for a private notice account

Do you need to put money aside for an upcoming expense – a tax bill, property purchase or tuition fees for example? A Private Notice Account could be ideal for your medium-term needs as you may earn a higher rate of interest than our instant access savings accounts on funds you don’t need instant access to.

why choose a private notice account?

  • Choose between our 35, 60 or 95 Day Notice Accounts. This may allow you to benefit from higher rates of interest where you don’t need instant access to your savings. Notice to withdraw your savings can be given online. 
  • Offers banded interest rates which increase based on the balance of your savings.
  • Interest paid monthly.

How it works

Complete this form, contact your private banker or call Coutts 24 to get started. You'll also need a Coutts Current Account.

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

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

Summary Box

Account name: Private 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 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 private banker or by calling Coutts 24.
  • You can manage your account by contacting your private banker, calling Coutts 24 or via our digital services. 

Can I withdraw money?

Yes, you may withdraw money by transfer to your Current Account.

This account requires you to give us notice before withdrawing money. 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.

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.



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 without the deduction of income tax (where applicable). Interest will be paid gross.



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.