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Rates & fees
No introductory rates that revert, no fees that appear at the confirmation screen. If a charge is not on this page, we do not make it.
Rates effective from , reviewed continuously and republished here within the hour.
| Product | Balance | Rate | Basis |
|---|---|---|---|
| ICB Everyday Current | Any balance | 25.00% | AER, variable |
| ICB Reserve Savings | Any balance | 415.00% | AER, variable |
The rate is fixed for the whole term. Breaking early forfeits a share of accrued interest, quoted to the cent before you confirm.
| Term | Minimum | Rate (fixed) |
|---|---|---|
| 1 month | 500 | 3.80% |
| 3 months | 500 | 4.40% |
| 6 months | 1,000 | 4.85% |
| 12 months | 1,000 | 5.20% |
| 24 months | 5,000 | 5.05% |
| 60 months | 10,000 | 4.75% |
The rate you are offered depends on the amount, the term and your circumstances. The range below is the whole range — there is no better rate behind a phone call.
| Product | Rate | Basis |
|---|---|---|
| Personal loan | from 8.90% | Representative APR, fixed for the term |
Saving and borrowing side by side, so the trade-off between access and return is visible in one place.
| Product | Rate | Basis | Access |
|---|---|---|---|
| ICB Reserve Savings | 415.00% | AER, variable | Instant access |
Work out what a rate means in money with the loan, savings and currency calculators.
| Destination | Arrives | Fee |
|---|---|---|
| Between your own ICB accounts | Instant | Free |
| To another ICB customer | Instant | Free |
| Domestic bank transfer | Next business day | Free |
| Same-day wire | Same day before 16:00 UTC | 12.00 personal · 18.00 business |
| International (SWIFT) | Two business days | 0.35% FX spread, no fixed fee |
Every transfer shows its rail, its fee and its expected arrival before you confirm. A payment submitted after a rail’s cut-off is dated to the next business day, and we tell you so at the point of confirmation rather than afterwards.