Range of Accounts

To provide you with maximum choice and flexibility, we offer a range of products with varying terms and interest rates. Generally speaking, the longer you can commit the money the better return you will receive.


Product Overview

Our Notice Accounts offer the benefits of a variable interest rate and access to your money at all times.

They operate on the basis that penalty-free withdrawals are available by providing us with the required number of days’ written notice of a withdrawal. Alternatively, funds can be withdrawn instantly by incurring an interest penalty equivalent to the notice period on the product. Interest is paid annually on the 31st December.

Our Fixed Rate Bonds are always popular because they offer a fixed return no matter what happens to interest rates during the term. This means that the return on your capital, at maturity, is assured – you can make plans with certainty.

Because this is a fixed term contract withdrawals and additional investments are not permitted during the term. However, additional Fixed Rate Bonds can be opened subject to the prevailing investment limits. Interest on Fixed Rate Bonds is paid on maturity.

Our Instant Quarterly Account is the perfect solution if you require total access to your funds at all times without sacrificing an excellent return.

All withdrawals are available on demand at any time. The first withdrawal per calendar quarter is penalty-free.  Subsequent withdrawals in the same calendar quarter are available on demand but will be subject to a penalty equivalent to 90 days’ interest.

Taxation of Interest

The taxation of deposit interest varies according to (a) the type of depositor and (b) the country of residence of the depositor(s) for tax purposes.

Whilst our products quote a gross interest rate (the rate before tax and the contractual rate) some depositors may be liable to pay a retention tax or other alternative. These depositors will receive their interest net of the retention tax. Alternatively, if you are one of these depositors you can receive your interest gross (no retention tax deducted) by either (a) instructing us in writing to disclose, to the relevant tax authorities, your personal details and the full amount of gross interest you have been paid or (b) providing us with a tax exemption certificate issued by the relevant tax authority.

Where required, you should make any necessary declarations of interest received to the relevant tax authorities.