Savings that state limits in plain language
Hold reserves beside your current-account activity with transparent rate presentation, withdrawal expectations, and no ambiguity about what is illustrative versus live.
How RoyaleDirect savings works
Savings balances sit within your verified relationship. Interest, if offered on your package, accrues according to the method stated in your product terms—not according to marketing headlines.
Clarity
We show nominal rates, compounding basis, and any promotional end dates in the authenticated rate panel. Public pages remain illustrative.
Limits language
Withdrawal frequency caps, notice periods (if any), and maximum balance thresholds are listed before you move funds into savings.
Limits you should read carefully
- Funding limits: Initial transfers into savings may be capped during the first weeks of the relationship.
- Withdrawal limits: Packages may limit the number of free withdrawals per statement cycle; excess withdrawals can incur fees or require conversion back to the current account first.
- Balance ceilings: Some promotional or package rates apply only up to a stated balance; amounts above may earn a different rate or none.
- Currency: Multi-currency savings availability is package-specific; not every wallet earns interest.
Moving money between current account and savings
Internal transfers are typically same-session when both products are active. External withdrawals follow the same screening as other outgoing payments. Large or unusual movements may be reviewed under client protection processes.
Frequently asked questions
Is interest guaranteed?
No. Rates can change. Any fixed-term product will state its own rules separately if offered.
Can I overdraw savings?
No. Savings is not a credit facility.
Are there minimum balances?
Package-dependent. Below-minimum balances may earn no interest or incur fees as disclosed.
How are rates displayed?
Public Rates pages are illustrative. Your live rate is shown after login.
Can businesses use this savings product?
Business savings, if available, is a separate product under business onboarding.
What happens if I exceed withdrawal limits?
You may be blocked, charged a fee, or asked to contact support—per your schedule.
Is my money ‘locked’?
Unless you select a term product with a lock, standard savings remains accessible subject to limits and reviews.
How do taxes work?
Tax treatment depends on your residency and local law. We do not provide tax advice.
Can I automate deposits?
Recurring internal transfers can be set where the product allows.
Where do I see accrued interest?
On statements and the savings detail screen after accrual posts.
Add savings to your plan
Open a personal account, complete verification, then enable savings if your package includes it.
Open account Talk to support