adam_hero_rates_and_prices

Rates and

Prices

View the latest Adam & Company interest rates across our product range, for both Private and Commercial clients as well as the current tax rates.

  • 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.
    • 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%.)

  • Private Reserve Account

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

  • Private Notice Account

    35 Day Notice Gross rate p.a. AER
    £1 - £999,999 0.05% 0.05%
    £1M and over 0.10% 0.10%
    • Interest is paid monthly on a tiered basis which means you earn one interest rate on your entire account balance
    • Rate effective from 1 May 2020
    • 35 days’ notice is required for each withdrawal
    60 Day Notice Gross rate p.a. AER
    £1 - £999,999  0.08% 0.08%
    £1M and over 0.13% 0.13%
    • Interest is paid monthly on a tiered basis which means you earn one interest rate on your entire account balance
    • Rate effective from 1 May 2020
    • 60 days’ notice is required for each withdrawal
    95 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 1 May 2020
    • 95 days’ notice is required for each withdrawal

  • Cash ISA

    Balance Gross Rate p.a. AER
    £1 - £249,999 0.10% 0.10%
    £250,000 and over 0.15% 0.15%
    • 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
    • Interest is paid tax free

  • Stocks and Shares ISA Capital Account

    For Adam Advised ISA, Self Select ISA and Adam Worldwide ISA
      Gross Rate p.a.
    All balances 0.01%

    Rate effective 1 May 2020

    Interest paid quarterly

  • House Mortgage Rate

    Type Rate Overall Cost For Comparison Product Fee Early Repayment Charge
    Residential 3.10% 3.1% APRC N/A No early repayment charge
    Buy-to-let 4.35% 4.4% APRC
    Residential - Offset 3.60% 3.7% APRC
    Buy To Let - Offset 5.10% 5.2% APRC
    • The House Mortgage Rate is the Adam 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
    • For rates and pricing on our current Mortgage product range, please see our mortgage calculator.

  • Mortgage Reserve Account

    Rate Follow on Rate (Variable) Overall Cost for Comparison Maximum LTV Product Fee Early Repayment Charge
    3.10% 3.10% 3.2% APRC Up to 75% depending on property valuation 0.25% (Minimum £1,000) Annual Fee £250 No Early Repayment Charge

    Representative example:

    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.

  • Base Rate and Borrowing Rates

      Rate
    Adam Base Rate 0.10%
    Adam Unauthorised Borrowing Rate (without prior arrangement) 8.0% + base

  • 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.

  • 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 specified by law. Interest will be paid gross.
  • 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.
  • For rates and pricing on our current Mortgage product range, please see our mortgage calculator.

Adam Discretionary

Investment Management

Investment Account Interest Rates

Investment capital and income accounts may earn interest.
‘Gross’ is the rate of interest before the deduction of Income Tax at the rate specified by law.
Any interest will be paid gross.

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.

  • Current Account

      Previous
    Balance Gross Rate p.a. AER
    Up to £25,000 0.00% 0.00%
    Over £25,000 0.10% 0.10%
      New
    Balance Gross Rate p.a. AER
    £1+ 0.00% 0.00%
    • New Rate effective from 31 October 2013.
    • Interest paid quarterly.
    • Credit interest rates for Adam Current Accounts for Business Clients track the Bank of England Base Rate as follows:
      For balances over £1: Base Rate - 3.75%. Minimum applicable rate 0.00%.

  • Business Reserve Account

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

  • 90 Day Notice Account

      Gross Rate p.a. AER
    £1 - £999,999 0.10% 0.10%
    £1M and over 0.15% 0.15%
    • Rate effective from 1 May 2020
    • Interest is paid monthly on a tiered basis which means you earn one interest rate on your entire account balance
    • 90 days' notice is required for each withdrawal

  • Base Rate

      Rate
    Adam Base Rate 0.10%

  • Unarranged Borrowing Rate

    Balances Rate p.a.
    All balances if no limit has been agreed 8.75%

  • Arranged Overdraft Rates

    Unsecured Overdraft Pricing
    Amount Margin COF Total client Rate
    		 Representative EAR Arrangement Fee*
    £0-25,000 3.5% 0.25% 3.75% 3.80%  1.5% (minimum fee £150)
    4.32%
    4.32%
    4.32%
    4.32%
    4.32%
    4.32%
    4.32%
    • Arrangement Fee is 1.5% of limit (minimum fee of £150). 
    • 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. 

     

     

     

  • Non-personal

    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%
    • Arrangement Fee is 1.5% of limit (minimum fee of £150). 
    • 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.
  • 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 specified by law. Interest will be paid gross.
  • 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.

  • Income Tax

    Income tax rates  2017-2018 2016-2017
    Basic rate for non-savings and savings income 20% 20%
    Higher rate for non-savings and savings income 40% 40%
    Additional rate for non-savings and savings income 45% 45%
    Starting rate of 0% for savings up to * £5,000 £5,000
    Basic rate on income up to ** £33,500 £32,000
    Higher rate on income up to ** £150,000 £150,000
    Additional rate on income over £150,000 £150,000
    Dividend rate for basic rate taxpayers 7.5% 7.5%
    Dividend rate for higher rate taxpayers 32.5% 32.5%
    Dividend rate for additional rate taxpayers 38.1% 38.1%
    Trusts*** 45% 45%
    Trust dividend rate 38.1% 38.1%

    * Restricted to savings income and not available if non-savings income exceeds starting rate limit.
    ** Basic rate limit for Scottish taxpayers is £31,500 for 2017-18. Higher rate tax is payable above this level.
    *** A standard rate band of £1,000 applies, below this level income will be taxed at no more than 20% depending on the type of income.

    Main income tax reliefs  2017-2018 2016-2017
    Personal allowance (for income up to £100,000) * £11,500 £11,000
    Personal savings allowance - basic rate taxpayers £1,000 £1,000
    Personal savings allowance - higher rate taxpayers £500 £500
    Dividend allowance ** £5,000 £5,000
    Married couple's/civil partner's allowance (born before 6/4/1935) *** £8,445 £8,355
    Transferable marriage allowance**** £1,150 £1,100
    Blind person's allowance £2,320 £2,290
    Enterprise Investment Scheme (EIS) at 30% ***** £1,000,000 £1,000,000
    Seed Enterprise Investment Scheme (SEIS) at 50% ***** £100,000 £100,000
    Venture Capital Trust (VCT) at 30%***** £200,000 £200,000
    Social Investment Tax Relief (SITR) at 30% ***** £1,000,000 £1,000,000
    Rent-a-room tax-free income £7,500 £7,500

    *    The allowance is reduced by £1 for every £2 income above £100,000. 

    ** Reducing to £2,000 in 2018-19 
    *** The allowance may be reduced once income exceeds £28,000. The minimum allowance is £3,260 (£3,220 2016-17). Relief is given at 10%. 
    **** Available to spouses/civil partners who have unused personal allowance and are born after 5 April 1935. Relief is given at 20% to basic rate taxpayers only. 
    ***** Capital gains tax reliefs may also be available 

     

  • VAT and Stamp Duty Land Tax

    VAT From 01/04/2017 From 01/04/2016
    Standard Rate 20% 20%
    Registration Level £85,000 £83,000
    De-registration limit £83,000 £81,000
    For residential property transaction only
    Consideration paid Standard Rate
    		 New Additional Property Rate**
    Value up to £125,000 0% 3%
    £125,001 - £250,000 2% 5%
    £250,001 - £925,000 5% 8%
    £925,001 - £1,500,000 10% 13%
    £1,500,000+ 12% 15%

    * Not applicable to property in Scotland (Land and Buildings Transaction Tax applies).

    ** Applies to additional residential properties (such as second homes and buy to let properties) purchased in England, Wales and Northern Ireland.

  • Company Car Benefits

    The taxable benefit is a percentage of the full list price less any capital contribution made by the employee. The percentage is based on the CO2 emissions of the car.

    Emissions Petrol
    0 - 50g/km 9%
    51 - 75g/km 13%
    76 - 94g/km 17%
    95g/km and over add 1% for every 5g/km
    Maximum 37%

    Additional 3% charge for diesel engines, subject to an overall maximum of 37%.

    Different rates apply to cars registered before 1 January 1998.

    Fuel benefit scale charge applies where employer provides private fuel (£22,600 multiplied by car benefit percentage).

    From 2018-19 onwards there will be further increases to the rates. 

  • Pensions

    Pension savings  2017-2018   2016-2017
    Lifetime Allowance £1,000,000 £1,000,000
    Annual Allowance * £40,000 £40,000
    Income limit for tapered Annual Allowance ** £150,000 £150,000
    Money Purchase Annual Allowance *** £4,000 £10,000

    *  Income tax relief available on higher of £3,600 or relevant earnings, subject to annual allowance limit. Potential to bring forward unused relief from the previous three years, subject to certain limits. 
    ** Annual allowance reduced by £1 for every £2 of income in excess of the income limit, subject to a minimum allowance of £10,000.
    *** Annual Allowance reduced where an individual has flexibly accessed their pension savings.

    Basic state pension 2017-2018 2016-2017
    Single person per year £6,359.60 £6,203.60
    Spouse/civil partner addition per year £3,811.60 £3,718.00
    Married couple/civil partnership total per year £10,171.20 £9,921.60
    New State Pension 2017-2018 2016-2017
      £8,296.60 £8,093.80

    The new State Pension relates to men born after 6 April 1951 and women born after 6 April 1953 who started to receive their State Pension after 6 April 2016.

  • Capital Gains Tax

    Capital Gains Tax Rates 2017-2018 2016-2017
    Individuals/Trusts main rate * 20% 20%
    Chargeable gains on residential property/carried interest** 28% 28%
    Gains subject to Entrepreneurs' Relief/ Investors' Relief 10% 10%
    Entrepreneurs' Relief lifetime limit of gains £10,000,000 £10,000,000
    Investors' Relief lifetime limit of gains £10,000,000 £10,000,000

    * 10% for basic rate individuals
    ** 18% for basic rate individuals

    Annual Exemptions 2017-2018 2016-2017
    Individuals and personal representatives £11,300 £11,100
    Trusts generally £5,650 £5,550
    Chattels exemption £6,000 £6,000
    Reliefs (subject to qualifying conditions)    
    EIS/SITR deferral relief* No limit No limit
    SEIS reinvestment relief** 50% 50%

    * Deferral of gains arising up to three years before and one year after subscription

    ** Exemption is given in respect of shares on which SEIS Income Tax relief is given, subject to time restrictions  

  • Individual Savings Accounts (ISAs)

      2017-2018 2016-2017
    Maximum overall subscription  £20,000 £15,240
    Junior ISA £4,128 £4,080
    Lifetime ISA * £4,000     -

    * Available to those aged between 18-39 and future contributions allowed to age 50. The government adds 25% of amounts contributed.  Funds can be withdrawn without penalty after age 60 or to purchase a first home (subject to certain conditions). Contributions form part of the overall annual ISA limit.

    An additional ISA investment is allowable where a spouse or civil partner dies.  The allowance is set at the amount held within the deceased person's ISA on the date of their death.

  • Inheritance Tax and Business Property relief

    Inheritance Tax Rates 2017-2018 2016-2017
    Free of tax up to £325,000 £325,000
    Main residence nil-rate band* £100,000 -
    Tax on excess ** 40% 40%
    Chargeable lifetime transfers 20% 20%
    Overseas domiciled spouse exemption *** £325,000 £325,000
    Annual gifts exemption £3,000 £3,000
    Gifts to charities Exempt Exempt
    Small gifts to same person £250 £250
    Marriage/civil partnership gifts by:
    Parent £5,000 £5,000
    Grandparent / Party to marriage/civil partnership £2,500 £2,500
    Other person £1,000 £1,000

    * Available where main residence is passed on death to a direct descendant. Tapered withdrawal for estates with a net value of £2m+ at the rate of £1 for every £2 over £2m.

    ** A reduced rate of 36% applies where 10% or more of a net chargeable estate is left to charity.

    *** Alternatively can elect to be treated as UK domiciled for IHT purposes.

    Reduced tax charge on gifts made within seven years before death
    Years before death 0-3 3-4 4-5 5-6 6-7
    % of inheritance tax payable 100% 80% 60% 40% 20%
    Business Property Relief 2017-2018 2016-2017
    A business or interest in a business (including a partnership share) 100% 100%
    Transfers of unquoted shareholdings (including AIM shares) 100% 100%
    Transfers out of a controlling shareholding in quoted companies, land or buildings, machinery or plant used in qualifying company or partnership
    		 50% 50%
    Inheritance Tax Rates 2016-17 2015-16
    Free of tax up to * £325,000 £325,000
    Tax on excess ** 40% 40%
    Transfers to certain trusts 20% 20%
    Overseas domiciled spouse exemption *** £325,000 £325,000
    Annual gifts exemption £3,000 £3,000
    Gifts to charities Exempt Exempt
    Small gifts to same person £250 £250
    Marriage/Civil partnership gifts by:
    Parent £5,000 £5,000
    Grandparent/party to marriage/civil partnership £2,500 £2,500
    Other person £1,000 £1,000

    *  Frozen at this level until April 2018.
    ** A reduced rate of 36% applies where 10% or more of a net chargeable estate is left to charity.
    *** Alternatively can elect to be treated as UK domiciled for IHT purposes.

    Reduced tax charge on gifts made within seven years before death
    Years before death 0-3 3-4 4-5 5-6 6-7
    % of inheritance tax payable 100% 80% 60% 40% 20%
    Business Property Relief 2016-17 2015-16
    A business or interest in a business (including a partnership share) 100% 100%
    Transfers of unquoted shareholdings (including AIM shares) 100% 100%
    Transfers out of a controlling shareholding in quoted companies, land or buildings, machinery or plant used in qualifying company or partnership 50% 50%

  • Corporation Tax and Capital Allowances

    Corporation Tax Rates From 1 April 2017 From 1 April 2016
    Corporation tax * 19% 20%

    From 1 April 2018 the rate will remain at 19%, reducing  to 17% from 1 April 2020.

    Capital Allowances   2017-2018 2016-2017
    Plant and Machinery      
    Annual Investment Allowance: Rate 100% 100%
      Limit £200,000 £200,000
    Writing down allowance:
    General pool   18% 18%
    Special rate pool   8% 8%
    Energy saving and water efficient equipment   100% 100%
    Motor cars:
    CO2 emissions up to 75g/km*   100% 100%
    CO2 emissions 76g/km to 130g/km   18% 18%
    CO2 emissions above 130g/km**   8% 8%

    * New cars only
    ** From April 2018 the limit will reduce to 110 g/km

  • National Insurance Contributions

      2017-2018 2016-2017
    CLASS 1 - EMPLOYMENT     
    Lower earnings limit (LEL) weekly £113 £112
    Upper earnings limit (UEL) weekly £866 £827
    Primary threshold (PT) weekly £157 £155
    Secondary threshold (ST) weekly £157 £156
    Employee contributions:    
    - on earnings between PT and UEL 12% 12%
    - on earnings above UEL 2% 2%
    Employer contributions:    
    - on earnings above ST             13.8% 13.8%*
    - on employer provided benefits 13.8% 13.8%
    Employment allowance (per employer) £3,000 £3,000

    *  0% in respect of employees aged under 21 and apprentices aged under 25 on weekly earnings up to UEL.

     

    CLASS 2- SELF EMPLOYMENT* 2017-2018 2016-2017
    Weekly rate £2.85 £2.80
    Small Profits Threshold £6,025 £5,965

    *Ceases April 2018

    Class 3 - Voluntary 2017-2018 2016-2017
    Weekly rate £14.25 £14.10
    Class 4 - Self Employment 2017-2018 2016-2017
    Lower profits limit (LPL) annual £8,164 £8,060
    Upper profits limit (UPL) annual £45,000 £43,000
    Contributions:
    - on earnings between LPL and UPL 9% 9%
    - on earnings above UPL 2% 2%

  • Child Benefit

    Child Benefit 2017-2018 2016-2017
    First child - per year £1,076.40 £1,076.40
    Further children - per child per year £712.40 £712.40
    Income limit * £50,000 £50,000

    * Benefit withdrawn from spouse, civil-partner or co-habiting partner with highest income at rate of 1% of Child Benefit per £100 of income exceeding the income limit.

  • Remittance Basis Charge (RBC)

    Remittance Basis Charge (RBC) 2017-2018 2016-2017
    Resident for 7 out of last 9 years £30,000 £30,000
    Resident for 12 out of last 14 years £60,000 £60,000
    Resident for 17 out of last 20 years N/A £90,000

    Individuals not domiciled in the UK may be able to claim the remittance basis. A charge for this claim is payable once resident for over seven years.

Currency Currency Name You Buy With GBP You Sell For GBP
AED UAE Dirham 4.6436 4.7376
AUD Australian Dollar 1.7906 1.827
CAD Canadian Dollar 1.6911 1.7258
CHF Swiss Franc 1.1739 1.1981
DKK Danish Krone 8.0916 8.2556
EUR Euro 1.0865 1.1089
HKD Hong Kong Dollar 9.7981 9.9971
INR Indian Rupee 93.0215 94.9136
JPY Japanese Yen 133.1316 135.8469
NOK Norwegian Krone 12.0778 12.3257
NZD New Zealand Dollar 1.9279 1.9674
SEK Swedish Krona 11.5333 11.771
SGD Singapore Dollar 1.7384 1.7742
THB Thai Baht 40.0786 40.914
USD US Dollar 1.264 1.2901
ZAR South African Rand 21.5731 22.0273

Page Last Updated: 29/09/2020

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 indication rates only and payments made or received on your behalf by Adam 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.

Card Card Type
Adam Black Card MasterCard
Adam Gold Visa Card Visa
Adam Classic Visa Card Visa
Adam Select Card Visa
Choose card type Choose currency Mark Up ECB Rate Non-Sterling Transaction Fee Total Cost
Adam Black Card EUR 0.9168 0.90508 2.75% 4.08%
Adam Black Card BGN 0.468131 0.462767 2.75% 3.94%
Adam Black Card HRK 0.121946 0.119878 2.75% 4.52%
Adam Black Card DKK 0.123115 0.121554 2.75% 4.07%
Adam Black Card HUF 0.002542 0.002486 2.75% 5.06%
Adam Black Card PLN 0.202629 0.19891 2.75% 4.67%
Adam Black Card RON 0.188805 0.185684 2.75% 4.48%
Adam Black Card SEK 0.086342 0.085495 2.75% 3.77%
Adam Black Card ISK 0.005673 0.005573 2.75% 4.59%
Adam Black Card CHF 0.848752 0.836797 2.75% 4.22%
Adam Black Card NOK 0.082675 0.081848 2.75% 3.79%
Adam Gold Visa Card EUR 0.917654 0.90508 0.00% 1.39%
Adam Gold Visa Card BGN 0.471065 0.462767 0.00% 1.79%
Adam Gold Visa Card HRK 0.121388 0.119878 0.00% 1.26%
Adam Gold Visa Card DKK 0.123171 0.121554 0.00% 1.33%
Adam Gold Visa Card HUF 0.002521 0.002486 0.00% 1.41%
Adam Gold Visa Card PLN 0.201572 0.19891 0.00% 1.34%
Adam Gold Visa Card RON 0.187931 0.185684 0.00% 1.21%
Adam Gold Visa Card SEK 0.086489 0.085495 0.00% 1.16%
Adam Gold Visa Card ISK 0.005663 0.005573 0.00% 1.61%
Adam Gold Visa Card CHF 0.849201 0.836797 0.00% 1.48%
Adam Gold Visa Card NOK 0.082895 0.081848 0.00% 1.28%
Adam Classic Visa Card EUR 0.917654 0.90508 0.00% 1.39%
Adam Classic Visa Card BGN 0.471065 0.462767 0.00% 1.79%
Adam Classic Visa Card HRK 0.121388 0.119878 0.00% 1.26%
Adam Classic Visa Card DKK 0.123171 0.121554 0.00% 1.33%
Adam Classic Visa Card HUF 0.002521 0.002486 0.00% 1.41%
Adam Classic Visa Card PLN 0.201572 0.19891 0.00% 1.34%
Adam Classic Visa Card RON 0.187931 0.185684 0.00% 1.21%
Adam Classic Visa Card SEK 0.086489 0.085495 0.00% 1.16%
Adam Classic Visa Card ISK 0.005663 0.005573 0.00% 1.61%
Adam Classic Visa Card CHF 0.849201 0.836797 0.00% 1.48%
Adam Classic Visa Card NOK 0.082895 0.081848 0.00% 1.28%
Adam Select Card EUR 0.917654 0.90508 0.00% 1.39%
Adam Select Card BGN 0.471065 0.462767 0.00% 1.79%
Adam Select Card HRK 0.121388 0.119878 0.00% 1.26%
Adam Select Card DKK 0.123171 0.121554 0.00% 1.33%
Adam Select Card HUF 0.002521 0.002486 0.00% 1.41%
Adam Select Card PLN 0.201572 0.19891 0.00% 1.34%
Adam Select Card RON 0.187931 0.185684 0.00% 1.21%
Adam Select Card SEK 0.086489 0.085495 0.00% 1.16%
Adam Select Card ISK 0.005663 0.005573 0.00% 1.61%
Adam Select Card CHF 0.849201 0.836797 0.00% 1.48%
Adam Select Card NOK 0.082895 0.081848 0.00% 1.28%

Adam Black Card:

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).

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