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RATES AND PRICES

Stay up to date with the Coutts Investment Programme prices as well as tax, traveller and interest rates.

ISIN Fund Name Currency NAV Date
IE00BYYCCK33 Personal Portfolio 5 Fund Class A - Accumulating GBP 1.7923 19/04/2022
IE00BYYCCH04 Personal Portfolio 4 Fund Class A - Accumulating GBP 1.5827 19/04/2022
IE00BYYCCF89 Personal Portfolio 3 Fund Class A - Accumulating GBP 1.4156 19/04/2022
IE00BYYCCC58 Personal Portfolio 2 Fund Class A - Accumulating GBP 1.3018 19/04/2022
IE00BYYCC925 Personal Portfolio 1 Fund Class A - Accumulating GBP 1.1654 19/04/2022

Page Last Updated: 20/04/2022

ISIN Fund name Currency NAV Date
IE00B8K67571 Coutts Multi Asset UK Defensive Fund GBP Class A - Accumulating GBP 1.2965 14/04/2022
IE00B7W44C82 Coutts Multi Asset UK Defensive Fund GBP Class A - Distributing GBP 1.0897 14/04/2022
IE00B8K7Z561 Coutts Multi Asset UK Defensive Fund GBP Class B - Accumulating GBP 0.9871 14/04/2022
IE00B8BRDY03 Coutts Multi Asset UK Defensive Fund GBP Class B - Distributing GBP 1.0319 14/04/2022
IE00BN6J7N31 Coutts Multi Asset UK Defensive Fund GBP Class D - Distributing GBP 0.9392 14/04/2022
IE00B8K9T727 Coutts Multi Asset UK Balanced Fund GBP Class A - Accumulating GBP 1.5347 14/04/2022
IE00B87MKL51 Coutts Multi Asset UK Balanced Fund GBP Class A - Distributing GBP 1.3464 14/04/2022
IE00B8KFJK30 Coutts Multi Asset UK Balanced Fund GBP Class B - Accumulating GBP 1.4269 14/04/2022
IE00B7N8JM45 Coutts Multi Asset UK Balanced Fund GBP Class B - Distributing GBP 1.2928 14/04/2022
IE00BN2BT154 Coutts Multi Asset UK Balanced Fund GBP Class D - Distributing GBP 1.0532 14/04/2022
IE00B8KG1J97 Coutts Multi Asset UK Growth Fund GBP Class A - Accumulating GBP 1.7628 14/04/2022
IE00B4XVSX66 Coutts Multi Asset UK Growth Fund GBP Class A - Distributing GBP 1.5974 14/04/2022
IE00B7HKW498 Coutts Multi Asset UK Growth Fund GBP Class B - Accumulating GBP 1.5679 14/04/2022
IE00B830BF48 Coutts Multi Asset UK Growth Fund GBP Class B - Distributing GBP 1.4661 14/04/2022
IE00BN2BT261 Coutts Multi Asset UK Growth Fund GBP Class D - Distributing GBP 0.9856 14/04/2022
IE00B8DZV487 Coutts Multi Asset UK Equity Growth Fund GBP Class A - Accumulating GBP 1.8572 14/04/2022
IE00B6T9H428 Coutts Multi Asset UK Equity Growth Fund GBP Class A - Distributing GBP 1.8118 14/04/2022
IE00B8F00J95 Coutts Multi Asset UK Equity Growth Fund GBP Class B - Accumulating GBP 1.0388 14/04/2022
IE00B8BR1L32 Coutts Multi Asset UK Equity Growth Fund GBP Class B - Distributing GBP 1.6359 14/04/2022
IE00BN6J7P54 Coutts Multi Asset UK Equity Growth Fund GBP Class D - Distributing GBP 0.9736 14/04/2022
IE00B84BGB71 Coutts Multi Asset Global Defensive Fund USD Class A - Accumulating USD 1.3508 14/04/2022
IE00B843XM30 Coutts Multi Asset Global Defensive Fund USD Class A - Distributing USD 1.0290 14/04/2022
IE00B88STH10 Coutts Multi Asset Global Defensive Fund USD Class B - Accumulating USD 1.3063 14/04/2022
IE00B833BW02 Coutts Multi Asset Global Defensive Fund EUR Class A - Accumulating EUR 0.8912 14/04/2022
IE00B7WJ7T17 Coutts Multi Asset Global Defensive Fund EUR Class A - Distributing EUR 0.9939 14/04/2022
IE00B8863623 Coutts Multi Asset Global Defensive Fund EUR Class B - Distributing EUR 0.7824 14/04/2022
IE00B847NQ91 Coutts Multi Asset Global Defensive Fund GBP Class A - Accumulating GBP 0.8397 14/04/2022
IE00B84F0Q28 Coutts Multi Asset Global Defensive Fund GBP Class A - Distributing GBP 0.7165 14/04/2022
IE00B88CQV62 Coutts Multi Asset Global Defensive Fund GBP Class B - Accumulating GBP 0.7955 14/04/2022
IE00B8HSRY59 Coutts Multi Asset Global Defensive Fund GBP Class B - Distributing GBP 0.7000 14/04/2022
IE00BN6J7R78 Coutts Multi Asset Global Defensive Fund USD Class D - Distributing USD 0.9319 14/04/2022
IE00B7N6GK59 Coutts Multi Asset Global Balanced Fund USD Class A - Accumulating USD 1.6111 14/04/2022
IE00B887GQ67 Coutts Multi Asset Global Balanced Fund USD Class A - Distributing USD 1.4962 14/04/2022
IE00B6RYFN41 Coutts Multi Asset Global Balanced Fund USD Class B - Accumulating USD 1.5454 14/04/2022
IE00B7XG9J52 Coutts Multi Asset Global Balanced Fund USD Class B - Distributing USD 1.4119 14/04/2022
IE00B83TTJ12 Coutts Multi Asset Global Balanced Fund EUR Class A - Accumulating EUR 1.0422 14/04/2022
IE00B88VF164 Coutts Multi Asset Global Balanced Fund EUR Class A - Distributing EUR 1.1076 14/04/2022
IE00B8HHZ370 Coutts Multi Asset Global Balanced Fund EUR Class B - Accumulating EUR 1.0155 14/04/2022
IE00B8HJPR77 Coutts Multi Asset Global Balanced Fund EUR Class B - Distributing EUR 0.9255 14/04/2022
IE00B8HJ2K93 Coutts Multi Asset Global Balanced Fund CHF Class B - Accumulating CHF 1.2006 14/04/2022
IE00B88QH046 Coutts Multi Asset Global Balanced Fund GBP Class A - Accumulating GBP 0.9531 14/04/2022
IE00B8H9QB89 Coutts Multi Asset Global Balanced Fund GBP Class A - Distributing GBP 0.8675 14/04/2022
IE00B8BJYL03 Coutts Multi Asset Global Balanced Fund GBP Class B - Accumulating GBP 0.7939 14/04/2022
IE00B8H9SR89 Coutts Multi Asset Global Balanced Fund GBP Class B - Distributing GBP 0.8234 14/04/2022
IE00B8HFJZ12 Coutts Multi Asset Global Growth Fund USD Class A - Accumulating USD 1.7639 14/04/2022
IE00B87DR516 Coutts Multi Asset Global Growth Fund USD Class A - Distributing USD 1.8494 14/04/2022
IE00B8HFM307 Coutts Multi Asset Global Growth Fund USD Class B - Accumulating USD 1.7718 14/04/2022
IE00B8HFN487 Coutts Multi Asset Global Growth Fund EUR Class A - Accumulating EUR 1.1870 14/04/2022
IE00B87D3972 Coutts Multi Asset Global Growth Fund EUR Class A - Distributing EUR 1.2607 14/04/2022
IE00B749PG25 Coutts Multi Asset Global Growth Fund GBP Class A - Accumulating GBP 1.0731 14/04/2022
IE00B7ZRMS60 Coutts Multi Asset Global Growth Fund GBP Class A - Distributing GBP 1.0595 14/04/2022
IE00B7KS1X21 Coutts Multi Asset Global Growth Fund GBP Class B - Accumulating GBP 0.9953 14/04/2022

Page Last Updated: 19/04/2022

ISIN Fund Name Currency NAV Date
IE00BD2M9P24 Equator US Equity Fund USD Class B - Distributing USD 1.9271 14/04/2022
IE00BD2M9M92 Equator US Equity Fund USD Class C - Distributing USD 1.9322 14/04/2022
IE00BD2M9X08 Equator US Equity Fund GBP (Unhedged) Class B - Distributing GBP 1.8411 14/04/2022
IE00BD2M9W90 Equator US Equity Fund GBP (Unhedged) Class C - Distributing GBP 1.8430 14/04/2022
IE00BD2M9R48 Equator UK Sov Bond Fund GBP Class B - Distributing GBP 0.9598 14/04/2022
IE00BD2M9Q31 Equator UK Sov Bond Fund GBP Class C - Distributing GBP 0.9615 14/04/2022
IE00BD2M9L85 Equator UK Equity Fund GBP Class B - Distributing GBP 1.1558 14/04/2022
IE00BD2M9K78 Equator UK Equity Fund GBP Class C - Distributing GBP 1.1570 14/04/2022

Page Last Updated: 20/04/2022

  • Current Account and Mortgage Reserve Account

    Previous New
    Gross Rate p.a AER Gross Rate p.a AER
    0.00% 0.00% 0.00% 0.00%

  • Private Reserve Account

      Gross rate p.a. AER
    £1+ 0.01% 0.01%
    • Interest is paid quarterly on a tiered basis which means you earn one interest rate on your entire account balance
    • Rate effective from 1 May 2020
    Euro Gross rate p.a. AER
    €1 - €249,999 0.00% 0.00%
    €250,000 and over -0.55% -0.55%
    • Interest is charged quarterly on a tiered basis which means you pay one interest rate on your entire account balance
    • Rate effective from 1 December 2019
      Gross rate p.a.
    		 AER
    $1+ 0.01% 0.01%
    • Interest is paid quarterly on a tiered basis which means you earn one interest rate on your entire account balance
    • Rate effective from 1 May 2020

  • Private Notice Account

    35 Day Notice Gross Rate p.a. AER
    £1 - £999,999 0.10% 0.10%
    £1m and over 0.15% 0.15%
    • Interest is paid monthly on a tiered basis which means you earn one interest rate on your entire account balance.
    • Rate effective from 1st February 2022
    • 35 days’ notice is required for each withdrawal
    60 Day Notice Gross Rate P.A. AER
    £1 - £999,999 0.15% 0.15%
    £1m and over 0.20% 0.20%
    • Interest is paid monthly on a tiered basis which means you earn one interest rate on your entire account balance.
    • Rate effective from 1st February 2022
    • 60 days’ notice is required for each withdrawal
    95 Day Notice Gross Rate p.a. AER
    £1 - £999,999 0.20% 0.20%
    £1m and over 0.25% 0.25%
    • Interest is paid monthly on a tiered basis which means you earn one interest rate on your entire account balance.
    • Rate effective from 1st February 2022
    • 95 days’ notice is required for each withdrawal

  • Cash ISA

    Balance Gross Rate p.a. AER
    £1 - £249,999 0.15% 0.15%
    £250,000 and over 0.20% 0.20%
    • Interest paid quarterly.
    • Rate effective from 1st February 2022

  • House Mortgage Rate

    Type Rate Overall cost for Comparison Product Fee Early Repayment Charge
    Residential 3.25% 3.3% APRC N/A No Early Repayment Charge
    Buy to let 4.50% 4.6% APRC
    Residential - Offset 3.75% 3.8% APRC
    Buy To Let - Offset 5.25% 5.4% APRC
    • 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

  • Mortgage Reserve Account

    Rate Follow On Rate (Variable) Overall cost for Comparison Maximum LTV Product Fee Early Repayment Charge
    3.25% 3.25% 3.3% APRC Up to 75% depending on property valuation 0.25% (minimum £1,000) Annual fee £250 No Early Repayment Charge

    An interest only mortgage of £750,000 payable over 25 years on our variable Mortgage Reserve Account rate of 3.1% would require one Initial Interest Payment Of £3,439.73 Followed By 99 Quarterly Payments (Maximum £5860.27) And One Final Payment Of £2,420.55. The total amount payable would be £1,341,757.20 made up of the loan amount plus interest (£581,632.20) and a product fee (£1,875) and an annual fee (£250) the overall cost for comparison is 3.2% APRC representative.

  • LIBOR Rates

    LIBOR linked Mortgages and Loans will reference the ICE Benchmark Administration Limited (ICE) Interest Settlement Rate (or any other administrator of that rate). For details of current and historic LIBOR rates please visit this website.

  • Base Rate and Borrowing Rates

      Rate
    Coutts Base Rate 0.75%
    Coutts Unauthorised Borrowing Rate (without prior arrangement) 8.0% + base
    Coutts Currency Base Rate EUR  0.00%
    Coutts Currency Base Rate USD  0.50%
    Coutts Currency Base Rate CHF  -0.75%
    Coutts Currency Base Rate JPY  0.30%
    Coutts Currency Base Rate AUD 0.10%
    Coutts Unauthorised Borrowing Rate (without prior arrangement) Non GBP   8.5%

  • Dealing and Custody Capital Account

      Previous New
    Balance Gross Rate p.a. AER Gross Rate p.a. AER
    All credit balances N/A N/A 0.00% 0.00%

  • Stocks and Shares ISA Capital Account

    For Coutts Advised ISA, Self Select ISA and Tracker ISA.
      Previous New
    Balance Gross Rate p.a. AER Gross Rate p.a. AER
    All credit balances 0.25% 0.25% 0.05% 0.05%
    • New rate effective 1 January 2017.

     

  • Discretionary and Advisory Portfolio Interest Rates

      Gross rate p.a. AER
    £1+ 0.10% 0.10%
    • Rate effective from 1 July 2021
    • The above figures are representative of the portfolio ‘Capital’ account. Balances held within the portfolio ‘Income’ account receive the same rate of interest as the Private Reserve Account (see the ‘Private Reserve Account’ rates for further information).
    Euro Gross rate p.a. AER
    €1 - €249,999 -0.50% -0.50%
    €250,000 and over -0.50% -0.50%
    • Rates effective from 1 March 2022
    • The above figures are representative of the portfolio ‘Capital’ account. Balances held within the portfolio ‘Income’ account receive the same rate of interest as the Private Reserve Account (see the ‘Private Reserve Account’ rates for further information).
      Gross rate p.a.
    		 AER
    $1+ 0.01% 0.01%
    • Rate effective from 1 July 2021
    • The above figures are representative of the portfolio ‘Capital’ account. Balances held within the portfolio ‘Income’ account receive the same rate of interest as the Private Reserve Account (see the ‘Private Reserve Account’ rates for further information).
      Income account Capital account
      Gross rate p.a. AER Gross rate p.a. AER
    1 CHF + -0.95% -0.95%
    		 -0.75% -0.75%
    • Rate effective from 1 March 2022
      Income account Capital account
      Gross rate p.a. AER Gross rate p.a. AER
    ¥1  -0.30% -0.30%
    		 -0.10% -0.10%
    • Rate effective from 1 March 2022

Rates for accounts

no longer available

  • Loyalty Reserve Issue II

      Previous New
      Year 1 AER/Gross Rate p.a. Year 2 AER/Gross Rate p.a. Year 3 AER/Gross Rate p.a. Year 1 AER/Gross Rate p.a. Year 2 AER/Gross Rate p.a. Year 3 AER/Gross Rate p.a.
    £25m+ 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
    £1m - £25m 1.50% 1.75% 2.00% 0.75% 1.00% 1.25%
    £100,000 - £999,999 1.30% 1.55% 1.80% 0.50% 0.75% 1.00%
    £1 - £99,999 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
    • Interest paid annually.
    • The interest rates include an underlying variable rate, the Year 1 rate as shown above, plus a fixed bonus of 0.25% paid in Year 2 and 0.50% paid in Year 3 respectively. You are permitted to make one withdrawal per year (i.e. from date of anniversary of account opening). You must provide 95 days’ notice before making a withdrawal and you are only allowed to provide notice once a year.
    • New rate effective from 30 August 2013.

  • Business Reserve Account

      Gross Rate P.A. AER
    £1 - £999,999 0.01% 0.01%
    £1m and over 0.01% 0.01%
    • Interest paid quarterly
    • Rate effective from 1st May 2020
    Euro Gross Rate P.A. AER
    €1 - €249,999 0.00% 0.00%
    €250,000 and over -0.55% -0.55%
    • Interest charged quarterly
    • Rate effective from 1 December 2019
      Gross Rate P.A. AER
    $1 - $999,999 0.01% 0.01%
    $1m and over 0.01% 0.01%
    • Interest paid quarterly
    • Rate effective from 1st May 2020

  • Clients' Reserve Account

      Gross Rate p.a. AER
    £1 - £999,999 0.01% 0.01%
    £1m and over 0.01% 0.01%

    Interest paid quarterly

    Rate effective from 1st May 2020

  • 30 Day Notice Account

      Gross Rate p.a. AER
    £1 - £999,999 0.15% 0.15%
    £1m and over 0.20% 0.20%

    Rate effective from 1st February 2022

    30 days' notice is required for each withdrawal

  • 90 Day Notice Account

      Gross Rate p.a. AER
    £1 - £999,999 0.20% 0.20%
    £1m and over 0.25% 0.25%

    Rate effective from 1st February 2022

    90 days' notice is required for each withdrawal

     

  • Base Rate and Borrowing Rates

      Rate
    Coutts Base Rate 0.75%
    Coutts Unauthorised Borrowing Rate (without prior arrangement) 8.0% p.a. + Coutts Base Rate. pa

    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 Private Banking Non Personal customers)
    Amount Margin COF Total client Rate
    		 Representative EAR Arrangement Fee*
    £0-25,000 3.5% 0.75% 4.25% 4.32% 1.5% (minimum fee £150)
    4.32%
    4.32%
    4.32%
    4.32%
    4.32%
    4.32%
    4.32%Non Personal customers (Commercial, Business and Private Banking Non Personal customers)
    • Arrangement Fee is 1.2% of limit (minimum fee of £1500). 
    • Please speak to your relationship manager 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.
Currency Currency Name You Buy With GBP You Sell For GBP
AED AED UAE Dirham 4.727 4.8229
AUD AUD Australian Dollar 1.7452 1.7806
CAD CAD Canadian Dollar 1.6186 1.6513
CHF CHF Swiss Franc 1.2173 1.2421
CNY CNY Chinese Offshore Renminbi 8.2139 8.3799
CZK CZK Czech Koruna 29.1753 29.8075
DKK DKK Danish Krone 8.8862 9.0658
EUR EUR Euro 1.1945 1.219
HKD HKD Hong Kong Dollar 10.0954 10.2988
HUF HUF Hungarian Forint 445.4285 455.1743
INR INR Indian Rupee 98.287 100.2796
JPY JPY Japanese Yen 164.8863 168.2203
NOK NOK Norwegian Krone 11.3927 11.6285
NZD NZD New Zealand Dollar 1.9093 1.9481
PLN PLN Polish Zloty 5.5125 5.6319
SAR SAR Saudi Riyal 4.8261 4.924
SEK SEK Swedish Krona 12.3712 12.6231
SGD SGD Singapore Dollar 1.7553 1.7917
THB THB Thai Baht 43.3871 44.2872
TRY TRY Turkish New Lira 18.8487 19.2362
USD USD US Dollar 1.2868 1.3133
ZAR ZAR South African Rand 18.8921 19.289

Page Last Updated: 20/04/2022

Illustration

Use the 'you buy with GBP' column when you are buying foreign currency with GBP.

  • For example, if you are buying GBP 1,000 worth of Euros, it is the rate in the 'you buy with GBP' column that will apply. If this rate is '1.1154' for illustrative purposes, then you will receive EUR 1,115.40 (GBP 1,000 X 1.1154).
  • If you were making a payment from a Sterling account for a value of EUR 1,000, the amount to be debited would be GBP 896.54 (EUR 1,000/1.1154).

Use the 'you sell for GBP' column when you are selling a foreign currency for GBP.

  • If you are selling Euros to us, it is the rate in the 'you sell for GBP' column that will apply. If this rate is '1.1384' for illustrative purposes, then for EUR 1,000 you will receive GBP 878.43 (EUR 1,000/1.1384). 
  • If you were making a payment from a Euro account for a value of GBP 1,000, the amount to be debited would be EUR 1,138.40 (GBP 1,000 X 1.1384).

These are indiction rates only and payments made or received on your behalf by Coutts will be converted at the rates prevailing at the time. These rates do not apply to currency notes or travellers cheques.

 

You will see an FX margin fee when completing an international payment on online or mobile banking. This is a variable fee which is included within the exchange rates. It will not show as a separate charge on your statement.

 

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 foreign exchange rate is determined by reference to wholesale interbank quotes sourced from Reuters/Bloomberg quoted as bid/ask.

 

We incorporate a spread/margin to the wholesale interbank quote, which is added to or subtracted from the exchange rate, depending on whether you are buying or selling the foreign currency. This spread is variable and is determined by a range of factors including the transaction type, size, currencies, prevailing market conditions and overall cost of undertaking the transaction.

 

The spread is also referred to as FX margin fee when completing an international payment on online or mobile banking. This is a variable fee which is included within the exchange rates. It will not show as a separate charge on your statement.

For any card transactions made in currencies other than sterling, the transaction will be converted to sterling by Visa or MasterCard using the exchange rate on the day the transaction is processed. To compare Visa or Mastercard’s indicative exchange rates for today against that of the European Central Bank (ECB), please select the relevant card type and currency below.

Choose card type
None
Silk Charge Card Silk Credit Card Debit Card Cash Card Business Charge Card Business Cash Card
Choose currency
None
Mark Up ECB Rate Non-Sterling Transaction Fee
 Total Cost

Silk Card & Business Card only:

Money, including currency and travellers cheques, obtained from cash machines or at bank counters, will incur a Cash Fee of 2% of the amount withdrawn (subject to a minimum of £1.50).