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Instant-access savings move to 4.60% The new rate applies to every instant-access balance from the first of next month. No action is needed. See the wealth desk
Wealth & credit

Put idle balances to work without locking yourself in.

Fixed-term products that accrue every day, credit you can draw against assets you already hold, and a banker whose name you know.

Wealth management

Fixed-term deposits

Published rates, daily accrual, and terms you can read.

Interest posts every day rather than at maturity, so you can watch it accumulate instead of taking it on faith. Early redemption is available, and the penalty is stated before you commit — not buried in a schedule.

Flexible

Liquid 30

A short 30-day placement for capital you may need back quickly. Lowest early-redemption penalty on the desk.

3.25%

Annual rate · 1 Month term

Minimum
$500
On $10,000
+$26.71
Get started
Popular

Quarterly Yield

Our most-used product. Ninety days at a competitive rate with interest accruing daily from day one.

4.75%

Annual rate · 3 Month term

Minimum
$1,000
On $10,000
+$117.12
Get started

Semi-Annual Growth

Six months of committed capital at an enhanced rate, suited to reserves you do not expect to touch.

6.25%

Annual rate · 6 Month term

Minimum
$5,000
On $10,000
+$308.22
Get started
Best rate

Annual Premier

The highest rate available. Twelve months locked, with the full yield settled alongside your principal at maturity.

8.5%

Annual rate · 1 Year term

Minimum
$10,000
On $10,000
+$850.00
Get started
Institutional

Institutional 24

A two-year institutional placement for treasury reserves, priced at the top of the curve.

9.75%

Annual rate · 2 Year term

Minimum
$100,000
On $10,000
+$1,950.00
Get started

Collateralised credit

Borrow against what you hold. Keep holding it.

Selling an asset to raise cash is a decision you cannot reverse. A collateralised facility lets you raise the cash and keep the position — the collateral locks, the fiat lands, and you unwind whenever you choose.
  • No credit check

    The collateral is the underwriting. Approval is immediate.

  • Up to 70% loan-to-value

    Draw down in fiat while your digital assets stay yours.

  • Liquidation price shown upfront

    You see the level that would trigger a call before you sign, and monitored continuously after.

Advisory

A named banker, not a queue number.

Head of Wealth

Every mandate above the advisory threshold is assigned to a banker who stays with it. They publish the rates on this page, and they are the person who explains it when a market moves against you. Their direct line sits in your portal — you will not be asked to describe your situation to somebody new each time you call.

Place your first deposit this week.

Open an account, fund it, and choose a term. Interest starts accruing the following day.