Interest rates for private clients

Private Accounts

Rates for available accounts

View the interest rates and borrowing rates for 

Current Account and Student Account
Private Reserve Account
60 Day Notice Account
Fixed Term Money-Market Deposits
Cash ISA
Loyalty Reserve Issue II
Monthly Reserve Issue II
Base Rate and Unarranged Borrowing Rate
Adam Discretionary Investment Management


Rates for accounts no longer available

View the interest rates and borrowing rates for

Monthly Reserve Issue I
 
 

Current Account and Student Account*

Previous 

New 

 Gross rate p.a.

 AER

 Gross rate p.a.

 AER

 0.00%

 0.00%

 0.00%

 0.00%

Interest paid quarterly.

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Private Reserve Account

 

 Previous 

New 

 Balance

Gross rate p.a. 

AER 

Gross rate p.a. 

AER 

 to £249,999

0.30% 

0.30%

0.15%

0.15% 

 Over £249,999

0.50% 

0.50%

0.15% 

0.15%

 

New rate effective from 30/09/2013 

Interest paid monthly. 

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60 Day Notice Account

 

Previous

New

 

 Gross rate p.a.

 AER

 Gross rate p.a.

 AER

£25m+

0.00%

0.00% 

0.00%

 0.00%

£1,000,000 - £25,000,000

1.25%

1.26%

0.50%

0.50% 

£100,000 - £999,999

1.00%

1.00% 

0.40%

0.40%

£1 - £99,999

0.00%

0.00% 

0.00%

0.00% 

New rate effective from 30/09/2013.

Interest paid monthly.

60 days' notice is required for each withdrawal.

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Cash ISA

 

Previous

New

 Balance

Gross rate p.a.

AER

Gross rate p.a.

AER

 All credit balances

 

0.75%

 

 

0.75%

 

 

0.75%

 

 

0.75%

 

Interest paid quarterly.

Interest is paid tax free

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Loyalty Reserve Issue II

 

 Previous

 New

Loyalty Reserve Account Issue II (Sterling) 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%

£1,000,000 - £25,000,000

1.50%

1.75% 

2.00% 

0.75%

1.00%

 1.25%

£1000,000 - £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%

New rate effective from 30/09/2013

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.

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Monthly Reserve Account Issue II

  Previous New
  Sterling Euro US Dollar Sterling Euro US Dollar
Monthly Reserve Account Issue II Gross Rate p.a. AER Gross Rate p.a. AER Gross Rate p.a. AER Gross Rate p.a. AER Gross Rate p.a. AER Gross Rate p.a. AER

£/€/US$ 25m+

0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
£/€/US$ 1,000,000-£/€/US$ 25,000,000 1.00% 1.00% 0.15% 0.15% 0.15% 0.15% 0.40% 0.40% 0.05% 0.05% 0.15% 0.15%
£/€/US$ 100,000-£/€/US$ 999,9999 0.75% 0.75% 0.15% 0.15% 0.15% 0.15% 0.30% 0.30% 0.05% 0.05% 0.15% 0.15%
£/€/US$ 1 - £/€/US$ 99,999 0.10% 0.10% 0.05% 0.05% 0.05% 0.05% 0.10% 0.10% 0.00% 0.00% 0.05% 0.05%

New rate effective from 07/07/2014

Interest paid monthly

Interest rates offered if no withdrawals are made. If you make one withdrawal or more in a calendar month then you will receive the rate of interest of the lowest balance tier on your full balance throughout that calendar month.

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Base Rate and borrowing rates

Adam Base Rate 0.50% p.a.
Adam House Mortgage Rate
                                                                             Overall cost for comparison
3.25% p.a.
3.50% APR
Mortgage Reserve Account Managed Borrowing Rate
                                                                             Overall cost for comparison
3.75% p.a.
4.10% APR
Adam Unarranged Borrowing Rate
(without prior arrangement)
8.50% p.a.

The Adam Base Rate tracks the Bank of England Base Rate.

*Credit interest rates for Adam Current and Student Accounts for Private Clients track the Bank of England Base Rate as follows: For balances over £5,000 to £10,000 – BoE Base -3.85%, for balances over £10,000 – BoE Base -3.15%. (Minimum 0.00%.)

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 after deducting Income Tax (where applicable) at the rate required by law.

All rates are subject to variation.

We offer our clients money market deposit facilities in sterling, euros and other major currencies for periods ranging from call or overnight, to one year and beyond. Rates are available from your Private Banker.

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Rates correct as at 30 September 2013.

 

Rates for accounts no longer available

Monthly Reserve Account Issue I (for accounts opened between 16/11/2012 and 17/04/2013)

  Previous New
  Sterling Euro US Dollar Sterling Euro US Dollar
Monthly Reserve Account Issue I Gross Rate p.a. AER Gross Rate p.a. AER Gross Rate p.a. AER Gross Rate p.a. AER Gross Rate p.a. AER Gross Rate p.a. AER
£/€/US$ 25m+ 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
£/€/US$ 1,000,000-£/€/US$ 25,000,000 1.50% 1.51% 0.15% 0.15% 0.15% 0.15% 0.40% 0.40% 0.05% 0.05% 0.15% 0.15%
£/€/US$ 100,000-£/€/US$ 999,999 1..30% 1.31% 0.15% 0.15% 0.15% 0.15% 0.40% 0.40% 0.05% 0.05% 0.15% 0.15%
£/€/US$ 1 - £/€/US$ 99,999 0.10% 0.10% 0.05% 0.05% 0.05% 0.05% 0.10% 0.10% 0.00% 0.00% 0.05% 0.05%

New rate effective from 07/07/2014

Interest paid monthly

Interest rates offered if no withdrawals are made. If you make one withdrawal or more in a calendar month then you will receive the rate of interest of the lowest balance tier on your full balance throughout that calendar month.

 

 

Adam Discretionary Investment Management

Investment Account Interest Rates
Investment capital and income accounts may earn interest. Any credit interest is paid after the deduction of lower rate tax, where appropriate.

Investment Capital Account

Balance Gross rate p.a.
£0 - £100,000 Custodian (Adam & Company Plc) Base Rate less 0.75%
£100,000 + Custodian (Adam & Company Plc) Base Rate less 0.25%

Investment Income Account
This account does not currently pay interest. Rates are reviewed periodically.

Debit interest
Interest on any overdraft arising under the portfolio management agreement will be charged at an aggregate of the Custodian Base Rate from time to time in force and 2%. Interest will be calculated on a daily basis and will be debited quarterly in arrears to an account in your name which is held at the Custodian.

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