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Earn tiered interest on your savings and access your funds with 32 days’ notice. Our offshore Direct Reserve Account is available in a range of currencies while Executive Direct Reserve is available in sterling and to Channel Islands residents only.

Earn interest on your savings

The higher your balance, the greater interest you earn on your Direct Reserve Account, thanks to tiered interest. With no fixed term, your offshore savings will stay invested until you choose to withdraw them.

Flexible access to your money

When you want to be able to access your offshore savings relatively quickly, our Direct Reserve Account lets you withdraw funds by providing only 32 days’ notice.

£300k
Annual income
£3m
Net asset value

The Direct Reserve Account is designed for individuals with:

Direct Reserve Account – indicative rates

All rates correct as at 19 May 2025.

 
Sterling (GBP)
AmountGross rate*AER**
£25,000 - £499,9993.00%3.03%
£500,000 plus3.50%3.55%
US Dollar (USD)
AmountGross rate*AER**
$50,000 - $499,9992.40%2.42%
$500,000 plus3.25%3.29%
Euro (EUR)
AmountGross rate*AER**
€50,000 - €499,9991.00%1.00%
€500,000 plus1.50%1.51%
Australian Dollar (AUD)
AmountGross rate*AER**
AS$100,000 - AS$799,9990.05%0.05%
AS$800,000 plus0.15%0.15%
South African Rand (ZAR)
AmountGross rate*AER**
R500,000 - R8,499,9990.25%0.25%
R8,500,000 plus1.50%1.51%

 

* Interest is paid gross, without the deduction of tax.

** AER stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once a year. "Gross" is the contractual interest rate paid before the deduction of any tax.

 

Further information

Direct Reserve Account Terms & Conditions PDF 148.05 KB
£100k
Annual income
£1m
Net asset value
£50k
Minimum balance

The Executive Direct Reserve Account is designed for individuals with:

The Executive Direct Reserve account is available to Channel Island residents only.

Executive Direct Reserve Account – indicative rates

All rates correct as at 19 May 2025. This account is available for Channel Islands residents only.

 
Executive Direct Reserve account (CI residents only) indicative rates
AmountGross*AER**
£50,000 - £249,9993.25%3.29%
£250,000 plus3.95%4.01%

 

* Interest is paid gross, without the deduction of tax.

** AER stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once a year. "Gross" is the contractual interest rate paid before the deduction of any tax.

 

Further information

Executive Direct Reserve Account Terms & Conditions PDF 141.86 KB

Find out more and apply

Get in touch about your offshore savings.

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Investec Bank (Channel Islands) Limited (“Investec”) recognises and respects the privacy and data protection rights of individuals with regards to personal data (i.e. information that directly or indirectly identifies an individual). We may use your personal data for a number of purposes including but not limited to: providing you with services you request from us, making decisions in relation to the management of your account, for analysis and assessment and to ensure that we comply with our legal and regulatory requirements for example by detecting and preventing financial crime.
For further details as to how Investec uses your information including how to contact us should you have queries, please refer to our Data Protection Notice.

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