Rates for orientation—not a live quote
Figures on this page are illustrative demonstrations. They are not a commitment to lend, pay interest, or convert at a stated level. Always confirm rates in your authenticated session.
Illustrative deposit rates
| Product | Balance band | Illustrative rate p.a. | Compounding |
|---|---|---|---|
| Savings (standard) | Up to $10,000 | 1.10% p.a. | Monthly |
| Savings (standard) | $10,000–$50,000 | 1.35% p.a. | Monthly |
| Savings (standard) | Above $50,000 | 0.90% p.a. | Monthly |
| Notice savings (sample) | Any eligible | 1.60% p.a. | Monthly · 30-day notice |
Illustrative loan / credit indications
| Facility (sample) | Illustrative APR range | Term sample | Status |
|---|---|---|---|
| Personal line (secured) | 6.5%–14.9% APR | Revolving | Subject to underwriting |
| Personal installment | 7.9%–18.9% APR | 12–60 months | Subject to underwriting |
| Business working capital | 8.5%–22.0% APR | 6–36 months | KYB + credit review |
Credit products may be unavailable in your jurisdiction. Illustrative APRs exclude certain fees that affect cost of credit.
Illustrative FX mid-market offsets
| Pair (sample) | Illustrative spread over reference | Typical cut-off guidance |
|---|---|---|
| EUR/USD | 0.40%–0.80% | Same-day if before local cut-off |
| GBP/USD | 0.45%–0.90% | Same-day if before local cut-off |
| USD/CHF | 0.50%–1.00% | Subject to liquidity windows |
| USD/exotic (sample) | 1.00%–2.50%+ | May require manual desk |
How to read these numbers
Deposit rates assume principal remains within the band and the account stays open on accrual dates. Indicative lending rates, if shown, are not quotes. FX spreads are not executable; the confirmation screen is authoritative.
Frequently asked questions
Can I lock today’s illustrative rate?
No. Only rates shown at confirmation in a live session can be acted on, and even then within the stated validity window.
Why do savings rates tier downward?
Packages may pay different rates above thresholds. Live tiering can differ from this demo.
Do you publish daily FX boards?
Authenticated clients see executable indications; this public page remains static and illustrative.
Are loan rates pre-approved?
No. All credit is subject to application, verification, and underwriting.
How often do public sample rates update?
Irregularly for demo purposes. Do not rely on this page for decisions.
Where are legal rate disclosures?
Disclosures and product agreements govern. This page does not amend them.
Is compound interest daily?
The table states the illustrative basis; your agreement controls.
Can private banking obtain better rates?
Any preference must be written into your schedule.
See live rates after verification
Open an account to access authenticated rate panels for deposits, conversions, and any credit offers available to you.
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