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Rates and prices

Our rates

Discover latest pricing for our multi-asset funds as well as foreign exchange and interest rates.

Multi-asset funds

Coutts Managed Funds

Explore Coutts Managed Funds prices

Personal Portfolio Funds

Explore Personal Portfolio Funds prices

Rates for private clients

Coutts Base Rates and Unauthorised Borrowing Rates

Rate
Coutts Base Rate 4.00% p.a.
Coutts Currency Base Rate EUR 2.15% p.a.
Coutts Currency Base Rate USD 4.00% p.a.
Coutts Currency Base Rate CHF 0.00% p.a.
Coutts Currency Base Rate JPY 0.75% p.a.
Coutts Currency Base Rate AUD 3.60% p.a.
Coutts Unauthorised Borrowing Rate (without prior agreement) 10.00% + Coutts Base Rate p.a.
Coutts Unauthorised Borrowing Rate (without prior agreement) - non-sterling 10.00% + applicable Coutts Currency Base Rate p.a.

Current Account

AER p.a. Gross p.a.
All credit balances 0.00% 0.00%
  • Interest is calculated daily and paid/charged quarterly.

Mortgage Reserve Account

AER p.a. Gross p.a.
All credit balances 0.00% 0.00%

House Mortgage Rate

Rate Overall cost for comparison Product fee Early repayment charge
Residential House Mortgage Rate 6.50% 6.50% APRC N/A N/A
Residential Offset House Mortgage Rate 6.50% 6.50% APRC N/A N/A
Buy-to-let House Mortgage Rate 7.00% 7.00% APRC N/A N/A
Buy-to-let Offset House Mortgage Rate 7.00% 7.00% APRC N/A N/A
  • The House Mortgage Rate is the Coutts Standard Variable Rate and is the destination for maturing Tracker/Fixed Rate Facilities. Offset Mortgages will mature onto the Offset House Mortgage Rate as detailed above.
  • All rates are subject to variation.

Dealing and Custody Capital Account

AER p.a. Gross p.a.
All credit balances 0.00% 0.00%

Stocks and Shares Capital Account

AER p.a. Gross p.a.
All credit balances 0.00% 0.00%

Discretionary and Advisory Portfolio Interest Rates

Capital Account Income Account
Currency Relevant rate index AER/Gross p.a. Relevant rate index AER/Gross p.a.
GBP BOE Base Rate 4.00% Banks Private Reserve Account rate Refer to 'Private Reserve Account' rates
USD Federal Funds Lower Boundary Rate 4.00% Banks Private Reserve Account rate Refer to 'Private Reserve Account' rates
EUR ECB Deposit Facility Rate 2.00% Banks Private Reserve Account rate Refer to 'Private Reserve Account' rates
JPY BOJ Policy Balance Rate 0.50% Banks Currency Account Rate -0.3%
CHF SNB Policy Rate 0.25% Banks Currency Account Rate 0.00%
  • Rates last updated 14 August 2025.

Private Reserve Account

Sterling AER p.a. (variable) Gross rate p.a. (variable)
£1 – £99,999 0.75% 0.75%
£100,000 - £249,999 1.51% 1.50%
£250,000 - £999,999 2.83% 2.80%
£1 million - £2,999,999 3.14% 3.10%
£3 million + 3.39% 3.35%

  • Interest is calculated daily and paid quarterly on a tiered basis which means you earn one interest rate on your entire account balance.
  • Rate effective from 3 November 2025.

Private Notice Account

35 Day Notice AER p.a. (variable) Gross rate p.a. (variable)
£1 – £2,999,999 3.24% 3.19%
£3 million + 3.55% 3.49%

Cash ISA

AER p.a. (variable) Tax-free p.a. (variable)
£1 + 3.24% 3.20%
  • Interest is calculated daily and paid quarterly.
  • Rate effective from 28 August 2025.
  • Interest rate is variable. This means that we can change the interest rate.

Rates for commercial clients

Coutts Base Rates and Borrowing Rates

Rate
Coutts Base Rate 4.00% p.a.
Coutts Currency Base Rate EUR 2.15% p.a.
Coutts Currency Base Rate USD 4.00% p.a.
Coutts Currency Base Rate CHF 0.00% p.a.
Coutts Currency Base Rate JPY 0.75% p.a.
Coutts Currency Base Rate AUD 3.60% p.a.
Coutts Unauthorised Borrowing Rate (without prior agreement) 10.00% + Coutts Base Rate p.a.
Coutts Unauthorised Borrowing Rate (without prior agreement) - non-sterling 10.00% + applicable Coutts Currency Base Rate p.a.
Coutts Unauthorised Borrowing Rate (when agreed overdraft in place) Overdraft margin p.a. + Coutts Base Rate p.a. + 3% p.a.
  • The Annual Equivalent Rate ('AER') is the notional rate which shows the gross interest rate as if paid and compounded on an annual basis.
  • 'Gross' is the rate of interest before the deduction of Income Tax at the rate required by UK law.
  • Interest will be paid quarterly after deducting Income Tax (where applicable) at the rate required by law.
  • All rates are subject to variation.

Non-personal customers (commercial, business and non-personal private banking customers)

Amount Margin COF Total client rate Representative APR Arrangement fee
£0 - £25,000 3.50% 4.25% 7.75% 7.98% 1.50% (minimum fee £150)
  • Arrangement Fee is 1.2% of limit (minimum fee of £1500). 
  • Please speak to your Commercial Banker about your borrowing needs, including for borrowing over £25,000.
  • Interest on your account is calculated daily, based on your end of day balance and rate, and charged to your account quarterly. 
  • Representative EAR (Effective Annual Rate) is used for comparison purposes and shows the annual interest rate we reasonably expect at least 51% of customers who are accepted for and enter into the overdraft agreement to get. It is calculated by using the rate of interest charged if you remained overdrawn for a year, the frequency with which interest is charged, and the effect of compound interest on your debt. The Representative EAR does not include other fees or charges.

Business Reserve Account

Sterling AER p.a. (variable) Gross rate p.a. (variable)
£1 – £999,999 0.95% 0.95%
£1 million - £9,999,999 1.31% 1.30%
£10 million + 1.51% 1.50%

  • Interest is calculated daily and paid quarterly on a tiered basis which means you earn one interest rate on your entire account balance.
  • Rate effective from 9 October 2025.

Commercial Notice Account

AER p.a. (variable) Gross rate p.a. (variable)
£1 - £2,999,999 1.96% 1.95%
£3 million + 1.96% 1.95%

 

  • Rates effective from 28 August 2025.
  • Interest is calculated daily and paid quarterly on a tiered basis which means you earn one interest rate on your entire account balance.
  • 30 days’ notice is required for each withdrawal.

Clients' Reserve Account

AER p.a. (variable) Gross rate p.a. (variable)
£1 – £999,999 0.95% 0.95%
£1 million - £2,999,999 1.31% 1.30%
£3 million - £9,999,999 1.31% 1.30%
£10 million + 1.51% 1.50%

  • Interest is paid quarterly
  • Rate effective from 12 May 2025

Currencies

Spending abroad?

Our card currency calculator could help you get a clearer picture of conversion rates and charges when spending on your Coutts cards abroad.

Try our card currency calculator

Making international payments

You will see an FX margin fee (also known as ‘spread’) when completing an international payment. Via digital channels (online or mobile banking) and Coutts 24, this is a variable fee which is not included within the exchange rates. The margin will be shown as a separate fee in the review screen, before you complete the payment.

When making transactions that involve foreign exchange in Coutts Online, the exchange rate you receive is based on the following:

  • Coutts Treasury Services acts as the principal price maker for client transactions.
  • The FX rate is determined by reference to wholesale interbank quotes sourced from Reuters or NatWest Markets quoted as bid/ask. The reference rate may vary, depending on channel.

The exchange rate you will receive on any foreign exchange conversion conducted in connection with this service will be determined by reference to the foreign exchange market rates. We will then incorporate a spread to the bid and offer rate quoted, which will be added to or subtracted from the exchange rate, depending on whether you are buying or selling the foreign currency. This spread will be variable and will be determined by a range of factors including the transaction type, size, currencies, prevailing market conditions and overall cost of undertaking the transaction.

Coutts charge a maximum of 1% commission on all FX transactions. If you are completing a transaction greater than £100,000 you may be able to receive a preferential rate by contacting your private banker, Coutts 24 or the FX dealing desk directly.