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Interest that accrues daily
Reserve Savings
Instant-access savings that behave like they should: interest accrued every day, goals with dates you choose, and withdrawals that arrive in your current account the second you ask.
4.15%
AER, variable
Rates & fees
- Interest rate
- 4.15% AER, variable
- Monthly maintenance
- Free
- Withdrawals
- Free, instant
- Minimum balance
- None
What you get
Accrued daily
Interest is calculated on your cleared balance every day (ACT/365) and capitalised monthly.
Goals with dates
Name a goal, set a target and a date, and see exactly whether you are on pace.
Round-ups
Card spending rounds up into savings automatically — the transfer posts with the purchase.
No traps
No notice period, no withdrawal penalty, no minimum balance. It is your money.
Who can apply
The headline criteria, stated plainly. Full eligibility is confirmed during the application itself.
You will need
- Aged 18 or over
- An ICB Everyday Current account
- Any opening amount — there is no minimum
How it goes
Apply online
About ten minutes, from any device. Save part-way and come back whenever you like.
Verify your identity
A photo of your ID and a short liveness check, reviewed within one business day.
Start using it
Your product is opened and ready the moment verification clears — no branch visit.
Questions, answered
Is the rate fixed?
No — 4.15% AER is variable and moves with the market. What never changes is the basis: daily accrual on your cleared balance, ACT/365, capitalised monthly. Any rate change is announced before it takes effect.
How do round-ups work?
Each card purchase is rounded up to the nearest whole unit and the difference moves to your savings goal as its own posting. You can cap it, pause it, or turn it off at any time.
Is my money protected?
Yes. Eligible deposits are protected up to 250,000 per depositor, counted across all your ICB accounts combined.
Open an account in under ten minutes
Verify your identity, choose your currency, and start moving money the same day.
Get started