Private Banking: R. Raphael&Sons

Interest Rates - Personal Account

Personal tariff

Notes
1) Interest is payable at the highest rates shown in the tier on the full cleared balance held.
2) Other rates (and periods) by negotiation.
3) Interest payable on current accounts monthly.
4) Interest payable on deposit accounts on 30 June and 31 December each year.
5) Interest payable on Sapphire Account on 30 November each year.
6) Net rate after deduction of Savings Rate Tax at 20%.
7) AER = Annual Equivalent Rate - notional gross rate as if paid and compounded on an annual basis.
8) Rates shown above are applicable until further notice.
9) Current rates payable are displayed at Head Office.

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PERSONAL ACCOUNT customers with effect from 05.03.2009
Bank of England Base Rate 0.50% p.a.

AER %

Gross %

Net %

Sapphire Account
Twelve Month Notice
£5,000 - £250,000	3.00	1.00	2.40

Six Month Notice
£5,000 - £250,000	2.50	0.75	2.00

Fixed Rate Bond
12 Month Term (issue 105 closed)	3.05	3.05	2.44
18 Month Term (issue 106 closed)	3.22	3.30	2.64

Deposit Accounts
Three Month Notice
£0 to £50,000	0.60	0.60	0.48
£50,001 to £100,000	0.65	0.65	0.52
£100,001 plus	0.70	0.70	0.56

One Month Notice
£0 to £50,000	0.50	0.50	0.40
£50,001 to £100,000	0.55	0.55	0.44
£100,001 plus	0.60	0.60	0.48

Instant Access
£0 to £50,000	0.40	0.40	0.32
£50,001 to £100,000	0.45	0.45	0.36
£100,001 plus	0.50	0.50	0.40

Bond Maturity Account
£5,000 to 250,000	0.50	0.50	0.40

Current Account
£1 plus	0.10	0.10	0.08

Personal tariff

Commercial foreign exchange (CFX)

CFX from Raphaels Bank is the one of the premier specialist providers of global currency transaction services. More info

Raphaels Bank is a registered trading name of R Raphael & Sons plc
London Office: Albany Court Yard, 47-48 Piccadilly, W1J 0LR | Tel: Tel: 020 7292 5400
Aylesbury Office: Walton Lodge, Walton Street, Aylesbury, Buckinghamshire HP21 7QY | Tel: 01296 436661 Fax: 01296 423041
Email: General Information or Banking Enquiries

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