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 Change (%)
GB00BQ5HYR26 Personal Portfolio Fund - Ambitious GBP 3 Acc GBP 123.47 19/12/2024 -0.19
GB00BNHX3L41 Personal Portfolio Fund - Defensive GBP 3 Acc GBP 110.78 19/12/2024 -0.21
GB00BNK98Q99 Personal Portfolio Fund - Cautious GBP 3 Acc GBP 114.30 19/12/2024 -0.04
GB00BQ5HYW78 Personal Portfolio Fund - Adventurous GBP 3 Acc GBP 130.44 19/12/2024 -0.41
GB00BQ5HYM70 Personal Portfolio Fund - Balanced GBP 3 Acc GBP 117.69 19/12/2024 0.01

Page Last Updated: Fri Dec 20 23:15:02 CET 2024

ISIN Fund name Currency NAV Date Change (%)
GB00BMBWF705 Managed Adventurous 3 GBP Acc GBP 131.13 19/12/2024 0.00
GB00BMGSW509 Managed Adventurous 3 GBP Inc GBP 125.97 19/12/2024 -0.01
GB00BMBWF580 Managed Ambitious 3 GBP Acc GBP 126.51 19/12/2024 0.06
GB00BMGSW384 Managed Ambitious 3 GBP Inc GBP 121.54 19/12/2024 0.05
GB00BMGSW491 Managed Ambitious 4 GBP Inc GBP 121.61 19/12/2024 0.05
GB00BMBWF366 Managed Cautious 3 GBP Acc GBP 115.17 19/12/2024 -0.12
GB00BMGSW160 Managed Cautious 3 GBP Inc GBP 108.87 19/12/2024 -0.12
GB00BP6CD838 Coutts Managed Fund - Balanced GBP 3 Acc GBP 119.83 19/12/2024 -0.07
GB00BP6CD945 Coutts Managed Fund - Balanced GBP 3 Inc GBP 115.06 19/12/2024 -0.07
GB00BP6CDT41 Coutts Managed Fund - Balanced GBP 4 Inc GBP 115.12 19/12/2024 -0.07
GB00BP6CDC73 Coutts Managed Fund - Equity GBP 3 Acc GBP 133.83 19/12/2024 -0.04
GB00BP6CDD80 Coutts Managed Fund - Equity GBP 3 Inc GBP 129.60 19/12/2024 -0.04
GB00BP6CDG12 Coutts Managed Fund - Equity GBP 4 Inc GBP 129.68 19/12/2024 -0.05
GB00BM9Y2B13 Coutts Managed Fund - Global Defensive GBP H3 Acc GBP 113.17 19/12/2024 -0.46
GB00BM9Y2C20 Coutts Managed Fund - Global Defensive GBP H3 Inc GBP 108.04 19/12/2024 -0.46
GB00BM9Y2N35 Coutts Managed Fund - Global Defensive USD UH3 Acc USD 115.31 19/12/2024 -0.45
GB00BM9Y2P58 Coutts Managed Fund - Global Defensive USD UH3 Inc USD 109.91 19/12/2024 -0.44
GB00BM9Y2H74 Coutts Managed Fund - Global Defensive USD UH4 Inc USD 109.98 19/12/2024 -0.44
GB00BM9XQ494 Coutts Managed Fund - Global Defensive EUR H3 Acc EUR 109.73 19/12/2024 -0.45
GB00BM9Y4049 Coutts Managed Fund - Global Defensive EUR H3 Inc EUR 104.61 19/12/2024 -0.46
GB00BKPSH075 Coutts Managed Fund - Defensive GBP 3 Acc GBP 111.52 19/12/2024 -0.21
GB00BKPTFK66 Coutts Managed Fund - Defensive GBP 3 Inc GBP 106.10 19/12/2024 -0.21
GB00BKPTFP12 Coutts Managed Fund - Defensive GBP 4 Inc GBP 106.16 19/12/2024 -0.21
GB00BMB3LV97 Coutts Managed Fund - Global Ambitious GBP H3 Acc GBP 132.24 19/12/2024 -1.02
GB00BMB3PF10 Coutts Managed Fund - Global Ambitious GBP H3 Inc GBP 128.86 19/12/2024 -1.02
GB00BMB3PP18 Coutts Managed Fund - Global Ambitious GBP H4 Inc GBP 128.92 19/12/2024 -1.01
GB00BMB3P065 Coutts Managed Fund - Global Ambitious USD UH3 Acc USD 135.41 19/12/2024 -1.01
GB00BMB3P172 Coutts Managed Fund - Global Ambitious USD UH3 Inc USD 131.84 19/12/2024 -1.01
GB00BMWP3C98 Coutts Managed Fund - Global Ambitious EUR H3 Acc EUR 128.51 19/12/2024 -1.02
GB00BMWP3D06 Coutts Managed Fund - Global Ambitious EUR H3 Inc EUR 125.09 19/12/2024 -1.02
GB00BMB3LJ77 Coutts Managed Fund - Global Balanced GBP H3 Acc GBP 123.03 19/12/2024 -0.63
GB00BMB3LK82 Coutts Managed Fund - Global Balanced GBP H3 Inc GBP 119.14 19/12/2024 -0.63
GB00BMB3LM07 Coutts Managed Fund - Global Balanced GBP H4 Inc GBP 119.22 19/12/2024 -0.63
GB00BMB2DW14 Coutts Managed Fund - Global Balanced USD UH3 Acc USD 125.74 19/12/2024 -0.62
GB00BMB2DX21 Coutts Managed Fund - Global Balanced USD UH3 Inc USD 121.66 19/12/2024 -0.61
GB00BMB3N805 Coutts Managed Fund - Global Balanced EUR H3 Acc EUR 119.44 19/12/2024 -0.62
GB00BMB3N912 Coutts Managed Fund - Global Balanced EUR H3 Inc EUR 115.58 19/12/2024 -0.63

Page Last Updated: Fri Dec 20 23:15:02 CET 2024

  • 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

  • Private Notice Account

  • Cash ISA

    Balance
    AER P.A. (VARIABLE) 
    Tax Free P.A. (VARIABLE)
    £1+
    4.58%
    4.50%
    • Interest is calculated daily and paid quarterly
    • Rate effective from 28 November 2024
    • Interest rate is variable. This means that we can change the interest rate

  • House Mortgage Rate

    Type Rate Overall cost for Comparison Product Fee Early Repayment Charge
    Residential 7.25% 7.25% APRC N/A No Early Repayment Charge
    Buy to let 7.25% 7.25% APRC
    Residential - Offset 7.75% 7.75% APRC
    Buy To Let - Offset 7.75% 7.75% 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
    7.25% 7.25% 7.29% 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 7.25% would require 100 quarterly payments (maximum £13,556.51). The total amount payable would be £2,117,250 made up of the loan amount plus interest (£1,359,375) and a product fee (£1,875) and an annual fee (£250) the overall cost for comparison is 7.29% 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 4.75% p.a.
    Coutts Currency Base Rate EUR  3.15% p.a.
    Coutts Currency Base Rate USD  4.50% p.a.
    Coutts Currency Base Rate CHF  0.50% p.a.
    Coutts Currency Base Rate JPY  0.50% p.a.
    Coutts Currency Base Rate AUD 4.35% p.a.
    COUTTS UNAUTHORISED BORROWING RATE (WITHOUT PRIOR ARRANGEMENT) 10.00% + COUTTS BASE RATE p.a.
    Coutts Unauthorised Borrowing Rate (without prior arrangement) Non GBP   10.00% + Currency Reference rate p.a.

  • 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% 0.01% 0.01%
    • New rate effective 1 January 2017.

     

  • Discretionary and Advisory Portfolio Interest Rates

    Capital Account Income Account
    Currency Relevant Rate Index AER/Gross p.a. Relevant Rate Index AER/Gross Rate p.a.
    GBP BOE Base Rate 4.75% Banks Private Reserve Account Rate Please refer to 'Private Reserve Account' rates
    USD Federal Funds Lower Boundary Rate 4.50%
    EUR ECB Deposit Facility Rate 3.00%
    JPY BOJ Policy Balance Rate -0.10% Banks Currency Account Rate -0.3%
    CHF SNB Policy Rate 0.50% Banks Currency Account Rate 0%
    • Rates last updated 13 December 2024.

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

  • Clients' Reserve Account

  • Notice Accounts

  • Base Rate and Borrowing Rates

      Rate
    Coutts Base Rate 4.75% p.a.
    Coutts Currency Base Rate EUR  3.15% p.a.
    Coutts Currency Base Rate USD  4.50% p.a.
    Coutts Currency Base Rate CHF  0.50% p.a.
    Coutts Currency Base Rate JPY  0.50% p.a.
    Coutts Currency Base Rate AUD 4.35% p.a.
    COUTTS UNAUTHORISED BORROWING RATE (WITHOUT PRIOR ARRANGEMENT) 10.00% + COUTTS BASE RATE p.a.
    Coutts Unauthorised Borrowing Rate (without prior arrangement) Non GBP   10.00% + Currency Reference 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 Private Banking Non Personal customers)
    Amount Margin COF Total client Rate
    		 Representative EAR Arrangement Fee*
    £0-25,000 3.5% 4.25% 7.75% 7.98% 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 4.5876 4.6812
AUD AUD Australian Dollar 1.9092 1.9483
CAD CAD Canadian Dollar 1.6834 1.7178
CHF CHF Swiss Franc 1.1006 1.1229
CNY CNY Chinese Offshore Renminbi 9.0045 9.1863
CZK CZK Czech Koruna 29.4736 30.0799
DKK DKK Danish Krone 8.6376 8.8128
EUR EUR Euro 1.1586 1.182
HKD HKD Hong Kong Dollar 9.77 9.9669
HUF HUF Hungarian Forint 450.4735 459.9922
INR INR Indian Rupee 103.676 105.7768
JPY JPY Japanese Yen 187.3923 191.1792
NOK NOK Norwegian Krone 13.1173 13.3889
NZD NZD New Zealand Dollar 2.0339 2.0762
PLN PLN Polish Zloty 5.0257 5.1332
SAR SAR Saudi Riyal 4.6849 4.7795
SEK SEK Swedish Krona 13.0328 13.2988
SGD SGD Singapore Dollar 1.6798 1.7146
THB THB Thai Baht 44.8837 45.8132
TRY TRY Turkish New Lira 38.544 39.3432
USD USD US Dollar 1.2489 1.2746
ZAR ZAR South African Rand 23.583 24.0703

Page Last Updated: Tue Feb 20 07:00:00 CET 2024

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 indicative 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 (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.

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
Debit CardSilk Charge CardSilk Credit CardBusiness Debit CardBusiness Charge Card
Choose currency
None
Mark Up ECB Rate Non-Sterling Transaction Fee
 Total Cost

Silk Card only:

Money, including currency and travellers cheques, obtained from cash machines or at bank counters, will incur a Cash Fee of 3% of the amount withdrawn (subject to a minimum of £3.00).

Business charge 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).

Currency Currency Name You buy with GBP You sell for GBP
AED UAE Dirham 4.4460 5.1410
AUD Australian Dollar 1.8977 2.2088
BBD Barbados Dollar 2.3400 2.8090
BDT Bangladeshi Taka 138.2300 174.2600
BGN Bulgarian Lev 2.1700 2.6970
BHD Bahrain Dinar 0.4473 0.5275
BND Brunei Dollar 1.5870 1.8930
CAD Canadian Dollar 1.7157 1.9776
CHF Swiss Franc 1.0763 1.2384
CLP Chilean Peso 1110.2420 1437.9700
CNY Chinese Yuan 8.5000 10.5800
COP Colombian Peso 4922.8400 6305.0400
CRC Costa Rican Colon 564.6200 721.8600
CZK Czech Koruna 27.9225 34.3632
DKK Danish Krone 8.5806 9.7131
DOP Dominican Peso 69.9300 85.5900
EGP Egyptian pound 48.6500 81.1500
EUR Euro 1.1566 1.3175
FJD Fiji Dollar 2.7320 3.1710
HKD Hong Kong Dollar 9.2485 10.5764
HUF Hungarian Forint 458.6143 559.6536
IDR Indonesian Rupia 18765.0000 24169.0000
INR Indian Rupee 96.3779 124.5358
ISK Icelandic Krona 159.8399 201.3247
JMD Jamaican Dollar 179.2000 219.2000
JOD Jordanian Dinar 0.8233 1.0122
JPY Japanese Yen 187.3204 213.4694
KES Kenyan Shilling 147.2896 185.8511
KRW South Korean Won 1698.0000 2103.0000
KWD Kuwaiti Dinar 0.3644 0.4338
MAD Moroccan Dirham 9.7170 14.6130
MUR Mauritian Rupee 54.5300 67.7900
MXN Mexican Peso 23.1461 28.5697
MYR Malaysian Ringgit 5.3410 6.3760
NOK Norwegian Krone 13.4061 15.5553
NZD New Zealand Dollar 2.0940 2.5030
OMR Omani Rial 0.4526 0.5324
PEN Peru Nuevo Sol 4.2700 5.4070
PHP Philippines Peso 65.9500 83.7900
PKR Pakistan Rupee 322.5780 396.4000
PLN Polish Zloty 4.7720 5.8470
QAR Qatari Riyal 4.3170 5.1490
RON Romanian Leu 5.4800 6.7290
SAR Saudi Arabian Riyal 4.4250 5.1640
SEK Swedish Krona 13.0757 14.9276
SGD Singapore Dollar 1.5970 1.8720
THB Thai Baht 39.8100 48.2000
TRY Turkish Lira 41.4090 51.2600
TWD Taiwan Dollar 37.3700 48.6700
USD US Dollar 1.2061 1.3739
UYU Uruguayan Peso 52.0020 63.7900
VND Vietnamese Dong 29069.7270 36260.3390
XCD East Caribbean Dollar 3.1110 3.8110
XPF CFP Franc 132.5000 163.0400
ZAR South African Rand 21.5712 25.7658

Page Last Updated: Sat Dec 21 09:15:01 CET 2024