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Wealth
Money you keep, working as hard as money you spend
Investments, foreign exchange and private banking on the same ledger as your current account — so a conversion, a trade and a transfer all post the same way: visibly, and to the cent.
Invest from the same ledger you bank on
Investment Accounts
A general investment account and a tax-wrapped savings account holding funds and listed securities, with monthly investing from 50 and custody charged as a single capped percentage.
- Funds and listed securities in one account
- Monthly investing from 50, on a date you choose
- Trades settled from your current account, same ledger
- Annual capital gains report, generated automatically
- Managed portfolios from 0.55% per year
0.25%
annual custody, capped at 500
Rates & fees
- Custody
- 0.25% p.a., capped
- Fund trade
- Free
- Listed security trade
- 4.95
- FX on trades
- 0.35% spread
Fifteen currencies, one spread
Foreign Exchange
Hold, convert and send fifteen currencies at a single stated spread — no fixed fee, no tiered margins that depend on how much you complain. The rate you confirm is the rate that posts.
- Convert between any held currencies, any hour
- The quoted rate is held while you confirm — no slippage after
- Rate alerts on the pairs you care about
- Forward-dated conversions up to twelve months out
- Every conversion shows the mid-market rate beside yours
0.35%
spread, no fixed fee
Rates & fees
- Conversion spread
- 0.35%
- Fixed fee
- None
- International payment
- T+2, spread only
A banker, not a ticket queue
Private Banking
A dedicated banker for clients with 150,000 or more across deposits and investments: multi-currency credit secured against your portfolio, preferential deposit rates and consolidated family reporting.
- A named banker who answers their own messages
- Portfolio-secured credit lines from 5.9% per year
- Preferential rates across savings and deposits
- Consolidated reporting across family accounts
- Same-day execution on large FX and transfers
150,000
minimum relationship balance
Rates & fees
- Relationship fee
- 150 per quarter
- Above 500,000
- Fee waived
- Secured credit line
- from 5.9% p.a.