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 0.01% 0.01%
    £1M and over 0.03% 0.03%
    • Interest is paid monthly on a tiered basis which means you earn one interest rate on your entire account balance
    • Rate effective from 16 November 2020
    • 35 days’ notice is required for each withdrawal
    60 Day Notice Gross rate p.a. AER
    £1 - £999,999  0.03% 0.03%
    £1M and over 0.05% 0.05%
    • Interest is paid monthly on a tiered basis which means you earn one interest rate on your entire account balance
    • Rate effective from 16 November 2020
    • 60 days’ notice is required for each withdrawal
    95 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 16 November 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 
    • 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

    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 8.00%

  • 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.
    SELL BUY
CCY CURRENCY NAME NOTES NOTES
AED UAE DIRHAMS 4.7643 5.7406
AUD AUSTRALIAN DOLLARS 1.6938 1.9584
BBD BARBADOS DOLLARS 2.5292 3.1132
BGN BULGARIAN LEV 2.0411 2.546
BHD BAHRAINIAN DINARS 0.5073 0.5874
CAD CANADIAN DOLLARS 1.615 1.8665
CHF SWISS FRANCS 1.205 1.3988
CLP CHILEAN PESOS 862.7212 1079.129
CNY CHINESE YUAN 8.1049 10.159
COP COLOMBIAN PESO 4647.37 5719.84
CZK CZECH KORUNA 26.6363 33.3032
DKK DANISH KRONER 8.1047 9.2907
DOP DOMINICAN REPUBLIC PESOS 69.9898 88.6703
EUR EURO 1.1142 1.269
FJD FIJI DOLLARS 2.5428 3.062
GBN   1 1
GTQ GUATEMALAN QUETZAL 9.6066 11.8235
HKD HONG KONG DOLLARS 10.3344 11.8066
HRK CROATIAN KUNA 7.891 9.6433
HUF HUGARIAN FORINTS 371.8551 456.984
IDR INDONESIAN RUPIAH 17697.2 23125.64
ILS ISRAELI NEW SHEQELS 4.2448 5.0557
ISK ICELANDIC KRONA 157.4943 196.6272
JMD JAMAICAN DOLLARS 188.5753 242.4352
JPY JAPANESE YEN 143.4519 166.4127
KES KENYAN SHILLINGS 136.9533 166.1566
KRW SOUTH KOREAN WON 1406.185 1731.789
KWD KUWAITI DINARS 0.4055 0.4692
KYD CAYMAN ISLANDS DOLLARS 1.056 1.3009
MUR MAURITIAN RUPEES 50.6154 63.4964
MXN MEXICAN PESOS 24.9818 30.9956
MYR MALAYSIAN RINGGITS 5.3452 6.4032
NOK NORWEGIAN KRONER 10.8728 12.6447
NZD NEW ZEALAND DOLLARS 1.8253 2.1703
OMR OMANI RIALS 0.5114 0.5889
PEN PERU NEW SOL 4.5577 6.209
PHP PHILIPPINES PISO 60.9496 74.5535
PKR PAKISTANI RUPEE 190.435 234.381
PLN POLISH ZLOTY 4.7446 5.8529
QAR QATAR RIYALS 4.6459 5.5703
RON ROMANIAN LEU 5.3278 6.1935
RUB RUSSIAN RUBLE 92.4734 112.8266
SAR SAUDI ARABIAN RIYALS 5.0546 5.752
SEK SWEDISH KRONA 11.1188 12.5711
SGD SINGAPORE DOLLARS 1.761 2.0455
THB HAI BAHTS 39.4799 48.4175
TRY NEW TURKISH LIRA 10.976 13.138
TWD TAIWAN DOLLAR 34.1669 45.1472
USD US DOLLARS 1.3587 1.543
XCD EAST CARIBBEAN DOLLAR 3.3296 4.1928
ZAR SOUTH AFRICAN RAND 18.5454 22.0465

Updated: 11/05/2021

Currency Currency Name You Buy With GBP You Sell For GBP
AED UAE Dirham 5.1001 5.2043
AUD Australian Dollar 1.769 1.8058
CAD Canadian Dollar 1.6831 1.7176
CHF Swiss Franc 1.2517 1.277
DKK Danish Krone 8.4966 8.6691
EUR Euro 1.1426 1.1657
HKD Hong Kong Dollar 10.7845 11.0021
INR Indian Rupee 101.8679 103.9337
JPY Japanese Yen 151.1458 154.2324
NOK Norwegian Krone 11.405 11.6389
NZD New Zealand Dollar 1.9076 1.947
SEK Swedish Krona 11.5477 11.7834
SGD Singapore Dollar 1.8417 1.8799
THB Thai Baht 43.2579 44.1575
USD US Dollar 1.3884 1.417
ZAR South African Rand 19.5224 19.934

Page Last Updated: 11/05/2021

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 0.9074 0.90591 2.75% 2.92%
Adam Black Card BGN 0.463112 0.463192 2.75% 2.73%
Adam Black Card HRK 0.120383 0.119537 2.75% 3.48%
Adam Black Card DKK 0.121886 0.12171 2.75% 2.90%
Adam Black Card HUF 0.002549 0.002515 2.75% 4.13%
Adam Black Card PLN 0.204502 0.201982 2.75% 4.03%
Adam Black Card RON 0.18701 0.185828 2.75% 3.40%
Adam Black Card SEK 0.087681 0.087587 2.75% 2.86%
Adam Black Card ISK 0.005579 0.005551 2.75% 3.26%
Adam Black Card CHF 0.845452 0.843963 2.75% 2.93%
Adam Black Card NOK 0.084024 0.08394 2.75% 2.85%
Adam Gold Visa Card EUR 0.908552 0.90591 0.00% 0.29%
Adam Gold Visa Card BGN 0.46772 0.463192 0.00% 0.98%
Adam Gold Visa Card HRK 0.120001 0.119537 0.00% 0.39%
Adam Gold Visa Card DKK 0.122064 0.12171 0.00% 0.29%
Adam Gold Visa Card HUF 0.002518 0.002515 0.00% 0.12%
Adam Gold Visa Card PLN 0.203248 0.201982 0.00% 0.63%
Adam Gold Visa Card RON 0.186585 0.185828 0.00% 0.41%
Adam Gold Visa Card SEK 0.087737 0.087587 0.00% 0.17%
Adam Gold Visa Card ISK 0.005585 0.005551 0.00% 0.61%
Adam Gold Visa Card CHF 0.845782 0.843963 0.00% 0.22%
Adam Gold Visa Card NOK 0.084065 0.08394 0.00% 0.15%
Adam Classic Visa Card EUR 0.908552 0.90591 0.00% 0.29%
Adam Classic Visa Card BGN 0.46772 0.463192 0.00% 0.98%
Adam Classic Visa Card HRK 0.120001 0.119537 0.00% 0.39%
Adam Classic Visa Card DKK 0.122064 0.12171 0.00% 0.29%
Adam Classic Visa Card HUF 0.002518 0.002515 0.00% 0.12%
Adam Classic Visa Card PLN 0.203248 0.201982 0.00% 0.63%
Adam Classic Visa Card RON 0.186585 0.185828 0.00% 0.41%
Adam Classic Visa Card SEK 0.087737 0.087587 0.00% 0.17%
Adam Classic Visa Card ISK 0.005585 0.005551 0.00% 0.61%
Adam Classic Visa Card CHF 0.845782 0.843963 0.00% 0.22%
Adam Classic Visa Card NOK 0.084065 0.08394 0.00% 0.15%
Adam Select Card EUR 0.908552 0.90591 0.00% 0.29%
Adam Select Card BGN 0.46772 0.463192 0.00% 0.98%
Adam Select Card HRK 0.120001 0.119537 0.00% 0.39%
Adam Select Card DKK 0.122064 0.12171 0.00% 0.29%
Adam Select Card HUF 0.002518 0.002515 0.00% 0.12%
Adam Select Card PLN 0.203248 0.201982 0.00% 0.63%
Adam Select Card RON 0.186585 0.185828 0.00% 0.41%
Adam Select Card SEK 0.087737 0.087587 0.00% 0.17%
Adam Select Card ISK 0.005585 0.005551 0.00% 0.61%
Adam Select Card CHF 0.845782 0.843963 0.00% 0.22%
Adam Select Card NOK 0.084065 0.08394 0.00% 0.15%

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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