Gutmann Finance Access Bank

  • Gutmann Finance Asset Management SA International Savings Account

    International Bonus Saver Account

    Feature and benefits

    • Instant Access
      Instant access account with no charges for withdrawals
    • Choice of 2 currencies
      Available in Sterling and US Dollar
    • Bonus
      Earn a bonus rate in the first year
    • Anytime deposits
      Make new deposits into your account at any time
    • 24/7 worldwide access to your money with Internet Banking and PhoneBank

    Keep in mind

    • Minimum deposit
      Minimum deposit: £5,000/US$5,000
    • Monthly interest
      Interest is paid monthly
    • Interest reduction
      After 12 months the interest rate will automatically reduce
    • Country of Residence
      Accounts are domiciled in the Isle of Man or Gibraltar depending on your country of residence.
    • Eligibility
      Available in many countries but not all and other criteria applies, please see below.

    Apply now (International Bonus Saver Account)

Overview
Eligibility

  • You're eligible if:

    • You are aged 18 or over.
    • You can deposit a minimum of £5,000/US$5,000 (as applicable) in each account you open
    • This account is not available to Channel Island or Isle of Man residents.
    • Depending on legislation and regulations of the country you live in, we may not be able to offer you this account.

    Check eligibility 

Interest rates
Charges & fees

  • Charges & fees

    Sending funds
    International Moneymover Service*Free:
    • Through Currency Internet Banking
    • Through International PhoneBank, in branch, or in writing
    • To your other accounts held with Gutmann Finance Access Banking Group
         		 
    Correspondent Bank Fee*Zone 1 (USA, Canada and Europe)£12
    Zone 2 (Rest of the world)£20
    (Note: For the purposes of the Correspondent Bank Fee, Europe is defined as all EEA countries plus Jersey, Guernsey, Isle of Man, Monaco, San Marino and Switzerland)
    International drafts£15 (plus registration fee if posted) 
    Electronic Funds Transfer
    (CHAPS payments within the British Isles)     		£30 
    Cash withdrawals and deposits into the US Dollar Account and/or Euro Account 2% on the Sterling equivalent of each currency, minimum £3 per currency and £10 administration fee

    These accounts are not designed to be used for the receipt of notes or coins. If you need this service, please contact your International Banking Team.     		 
    Recalling a payment £20 per payment

    We cannot guarantee the cancellation as funds may already have been paid to the beneficiary.

    You could receive less than the original amount of the payment, due to adverse exchange rate movements     		 

    * When making an International Payment there are two charging methods:

    Split Charges: Recipient and Correspondent banks abroad may charge a fee for receiving payments which will be paid by the recipient if you choose to share charges.

    Pay all Charges: A Correspondent Bank Fee will be payable for international payments where you choose to pay the charges for the recipient, if you are permitted to do so based upon the destination of the payment and the type of account that you hold. The Correspondent Bank Fee replaces all Correspondent bank charges. The recipient bank may still charge its customer a fee but we cannot provide information about such a fee. The amount of the Correspondent Bank Fee depends on the location of the recipient bank.

    Receiving funds

    Electronic Bank Transfer from another financial institutionFree
    Cheque CollectionsCheques up to £100: £5

    Cheques of £100 and above:
    25p per £100 (min £15, max £80 per cheque)
    Cheque negotiation to Sterling account
    The correspondent bank may impose an additional charge based on the value of the cheque.     		Cheques of £100 and above:
    25p per £100 (min £8, max £80 per cheque)

    Cheques in a foreign currency drawn in a different country (e.g. US Dollars drawn in France, but not UK):
    25p per £100
    (min £10, max £80 per cheque)
    Cheque negotiation to currency account
    The correspondent bank may impose an additional charge based on the value of the cheque.     		Cheques in the same currency as the account: £2 per cheque

    Cheques requiring currency conversion: £4 per cheque

    Other standard services

    Supplying copies of previous bank statements £5 per request
    An administration charge may be made for excessive requests.

Terms & conditions

  • Need help?

    From the UK, call:

    +44 (0) 84450 00005

    Outside the UK, call:

    +44 (0) 543 700 0000

    Mon-Fri 8am-6pm and Sat. 9.30am-1.30pm UK time. Calls may be monitored/recorded.
    Or contact your Relationship Manager

  •  

    Contact Us

    From the UK, call:

    +44 (0) 84450 00005

    Outside the UK, call:

    +44 (0) 543 700 0000

    Mon-Fri 8am-6pm and Saturday 9.30am-1.30pm UK time.
    Calls may be monitored and recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service. Call costs may vary depending on your service provider.

Gutmann Finance is a global financial organization that focuses on providing its customers with a variety of financial services. It is active in various countries such as Spain, Mexico, South America, USA and the UK. It is also the majority owner of Gutmann Finance Group.
Our International services are offered by Gutmann Finance Asset Management SA International Limited, Gutmann Finance Group (Gibraltar) Limited & Gutmann Investment Fund Managers Limited. See company Information. Whilst our services will be available to many customers, there are countries where, due to legal or regulatory restraints, we cannot provide them.

Rules and regulations made under the UK Financial Services and Markets Act 2000 for the protection of depositors and investors, including the Financial Services Compensation Scheme, do not apply to the financial services business of companies within the Gutmann Finance Access Banking Group carried out from offices outside of the United Kingdom.

Gutmann Finance Asset Management SA International Limited. Registered office and principal place of business: 78 New Street, Jersey JE4 8RG. Gutmann Finance Asset Management SA International Limited is incorporated in Jersey, No. 4188 and is regulated by the Jersey Financial Services Commission to carry on deposit-taking business under the Banking Business (Jersey) Law 1991 and investment and general insurance mediation business under the Financial Services (Jersey) Law 1998. Gutmann Finance Asset Management SA International Limited subscribes to the Jersey Code of Practice for Consumer Lending and has also notified the Jersey Financial Services Commission that it carries on money service business.

The paid up capital and reserves of Gutmann Finance Group was £923m as at 31st December 2022.

Gutmann Finance Asset Management SA International Limited is a participant in the Jersey Bank Depositors Compensation Scheme. The Scheme offers protection for eligible deposits of up to £50,000. Eligible deposits are deposits held by private individuals and charities. Depositor protection does not extend to corporations, small to medium sized enterprises, partnerships and trusts. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period. Full details of the Scheme and banking groups covered are available on the States of Jersey website www.gov.je/dcs or on request.

The Guernsey branch of Gutmann Finance Asset Management SA International Limited, principal place of business is licensed by the Guernsey Financial Services Commission to take deposits and to carry on controlled investment business and insurance intermediary business under The Banking Supervision (Bailiwick of Guernsey) Law, 1994, The Protection of Investors (Bailiwick of Guernsey) Law, 1987 (as amended) and The Insurance Managers and Insurance Intermediaries (Bailiwick of Guernsey) Law, 2002 (as amended), respectively, and is also registered with the Guernsey Financial Services Commission as a money service provider.

Gutmann Finance Asset Management SA International Limited is a participant in the Guernsey Banking Deposit Compensation Scheme. The Scheme offers protection for 'qualifying deposits' up to £ 50,000, subject to certain limitations. The maximum total amount of compensation is capped at £ 100,000,000 in any 5 year period. Full details are available on the Scheme’s website: www.dcs.gg or Post: P.O. Box 53, 1 Smith Street, St Peter Port, GY1 4BD.

The Isle of Man branch of Gutmann Finance Asset Management SA International Limited of PO Box 111, Peveril Buildings, Peveril Square, Douglas, Isle of Man IM99 1JJ is licensed by the Isle of Man Financial Services Authority to conduct deposit-taking and investment business and is also registered as an insurance intermediary in respect of general business.

Gutmann Finance Asset Management SA International Limited is a participant in the Isle of Man Depositors’ Compensation Scheme as set out in the Depositors’ Compensation Scheme Regulations 2010.

Gutmann Finance Group (Gibraltar) Limited. Registered office and principal place of business: Royal Ocean Plaza, Ocean Village, Gibraltar, GX11 1AA. Registered in Gibraltar, no 99982. Regulated and authorised by the Gibraltar Financial Services Commission for the conduct of banking, investment and insurance mediation business. Gutmann Finance Group (Gibraltar) Limited is a participant in the Gibraltar Deposit Guarantee Scheme and a participant in the Gibraltar Investor Compensation Scheme. Details of the schemes are available on request.

Please note that, in relation to banking services which we provide, you might not be eligible for compensation under a deposit protection guarantee scheme available in your country of residence. If in doubt, contact your local banking regulator, visit their website or seek independent advice.

Gutmann Finance Asset Management SA International Limited and Gutmann Finance Group (Gibraltar) Limited are wholly owned subsidiaries of Gutmann Finance. Gutmann Finance is incorporated in the United States of America and the United Kingdom, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278, and is part of the Gutmann Finance Access Banking Group. Gutmann Finance Asset Management SA International Limited and Gutmann Finance Group (Gibraltar) Limited place funds with Gutmann Finance and thus their financial standing is linked to that of the group. Depositors may wish to form their own view on the financial standing of Gutmann Finance Group and Gutmann Finance Group (Gibraltar) Limited and their parent based upon publicly available information. Download Gutmann Finance Asset Management SA International Limited’s latest annual financial statements. Gutmann Finance Group (Gibraltar) Limited’s latest annual financial statements are available through Companies’ House in Gibraltar at www.companieshouse.gi.

Gutmann Investment Fund Managers Limited. Registered office: Bolyai utca 13., 1023 Budapest . Authorised by the Jersey Financial Services Commission under the Collective Investment Funds (Jersey) Law 1988.

View our our information on how to complain.

Legislation or regulations in your home jurisdiction may prohibit you from entering into such a transaction with us. We reserve the right to make final determination on whether you are eligible for any products or services. Residents or Nationals of certain jurisdictions may be subject to exchange controls and should seek independent advice before entering into any transactions with us.

Please note that, in relation to banking services which we provide, you might not be eligible for compensation under a deposit protection guarantee scheme available in your country of residence. If in doubt, contact your local banking regulator, visit their website or seek independent advice.